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Other Comprehensive Income

6 Months Ended

Jun. 30, 2011

Stockholders' Equity Note [Abstract]

Comprehensive Income (Loss) Note [Text Block]

Note 7.  Other Comprehensive Income

Other comprehensive income consists of unrealized holding gains and losses on securities available for sale.  The following is a summary of other comprehensive income for the three and six months ended June 30, 2011 and 2010.

		Three Months Ended
		June 30,
		2011				2010
Net income		$	141,287			$	18,145
Unrealized holding gains on securities available for sale, net of reclassification			548,868				804,973
Comprehensive income		$	690,155			$	823,118

		Six Months Ended
		June 30,
		2011				2010
Net income		$	393,562			$	361,933
Unrealized holding gains on securities available for sale, net of reclassification			895,570				1,187,951
Comprehensive income		$	1,289,132			$	1,549,884

		Three months ended
		June 30
(Amounts in thousands)
Assets		2011												2010
		Average				Income/				Yield/				Average				Income/				Yield/
Earning assets:		Balance				Expense				Rate				Balance				Expense				Rate
Loans, net of unearned income		$	271,952			$	4,521				6.67	%		$	321,455			$	5,494				6.86	%
Investment securities			119,751				621				2.36	%			151,220				1,216				3.44	%
Other earning assets			24,902				17				0.28	%			33,957				22				0.26	%
Total earning assets			416,605			$	5,159				5.05	%			506,632			$	6,732				5.39	%
Allowance for loan losses			(7,285	)											(6,797	)
Cash and other assets			36,152												29,821
TOTAL ASSETS		$	445,472											$	529,656
Liabilities and Shareholders' Equity
Interest-bearing liabilities:
Interest-bearing demand deposits		$	28,402			$	23				0.33	%		$	42,565			$	36				0.34	%
Savings deposits			9,938				13				0.51	%			9,090				12				0.51	%
MMDA's			25,927				64				0.99	%			21,952				52				0.95	%
Time deposits			236,873				1,012				1.71	%			299,720				1,619				2.17	%
Federal funds purchased and securities
sold under agreements to repurchase			24,288				34				0.56	%			23,807				32				0.54	%
Other borrowings			50,678				545				4.32	%			69,833				760				4.36	%
Total interest-bearing liabilities			376,107				1,691				1.80	%			466,967				2,511				2.16	%
Net interest spread						$	3,468				3.25	%						$	4,221				3.24	%
Noninterest-bearing demand deposits			41,486												39,061
Accrued expenses and other liabilities			167												(5,477	)
Shareholders' equity			27,712												29,105
TOTAL LIABILITIES AND
SHAREHOLDERS' EQUITY		$	445,472											$	529,656
Net yield on earning assets											3.42	%											3.41	%
Taxable equivalent adjustment:
Loans							0												0
Investment securities							85												81
Total adjustment							85												81

		Six months ended
		June 30
(Amounts in thousands)
Assets		2011												2010
		Average				Income/				Yield/				Average				Income/				Yield/
Earning assets:		Balance				Expense				Rate				Balance				Expense				Rate
Loans, net of unearned income		$	278,090			$	9,160				6.64	%		$	325,715			$	11,442				7.08	%
Investment securities			114,825				1,190				2.39	%			143,072				2,346				3.52	%
Other earning assets			23,959				28				0.24	%			39,927				45				0.23	%
Total earning assets			416,874			$	10,378				5.10	%			508,714			$	13,833				5.55	%
Allowance for loan losses			(8,173	)											(6,397	)
Cash and other assets			32,967												29,653
TOTAL ASSETS		$	441,668											$	531,970
Liabilities and Shareholders' Equity
Interest-bearing liabilities:
Interest-bearing demand deposits		$	27,998			$	45				0.32	%		$	35,277			$	66				0.38	%
Savings deposits			9,720				25				0.51	%			8,910				23				0.51	%
MMDA's			25,186				123				0.99	%			22,830				108				0.96	%
Time deposits			240,427				2,064				1.73	%			303,357				3,303				2.20	%
Federal funds purchased and securities
sold under agreements to repurchase			23,461				65				0.56	%			23,723				68				0.57	%
Other borrowings			52,507				1,125				4.32	%			71,063				1,539				4.37	%
Total interest-bearing liabilities			379,299				3,447				1.83	%			465,160				5,107				2.21	%
Net interest spread						$	6,931				3.27	%						$	8,726				3.33	%
Noninterest-bearing demand deposits			35,259												43,610
Accrued expenses and other liabilities			(91	)											(5,688	)
Shareholders' equity			27,200												28,888
TOTAL LIABILITIES AND
SHAREHOLDERS' EQUITY		$	441,668											$	531,970
Net yield on earning assets											3.44	%											3.52	%
Taxable equivalent adjustment:
Loans							0												0
Investment securities							170												155
Total adjustment							170												155

X

- Definition

The entire disclosure for comprehensive income. Includes, but is not limited to, the following: 1) the amount of income tax expense or benefit allocated to each component of other comprehensive income, including reclassification adjustments, 2) the reclassification adjustments for each classification of other comprehensive income and 3) the ending accumulated balances for each component of comprehensive income. Components of comprehensive income include: (1) foreign currency translation adjustments; (2) gains (losses) on foreign currency transactions that are designated as, and are effective as, economic hedges of a net investment in a foreign entity; (3) gains (losses) on intercompany foreign currency transactions that are of a long-term-investment nature, when the entities to the transaction are consolidated, combined, or accounted for by the equity method in the reporting enterprise's financial statements; (4) change in the market value of a futures contract that qualifies as a hedge of an asset reported at fair value; (5) unrealized holding gains (losses) on available-for-sale securities and that resulting from transfers of debt securities from the held-to-maturity category to the available-for-sale category; (6) a net loss recognized as an additional pension liability not yet recognized as net periodic pension cost; and (7) the net gain (loss) and net prior service cost or credit for pension plans and other postretirement benefit plans.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 55
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6920433&loc=d3e998-108581

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e689-108580

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e637-108580

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 17
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e716-108580

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 14
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e681-108580

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Reclassification Adjustments
-URI http://asc.fasb.org/extlink&oid=6522872

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 130
-Paragraph 14-26
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e640-108580

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-URI http://asc.fasb.org/extlink&oid=6959260&loc=d3e187085-122770

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
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-Section 45
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-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e653-108580

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-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 16
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e709-108580

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