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CONSOLIDATED STATEMENTS OF INCOME (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Interest income:      
Interest and fees on loans $ 23,913 $ 26,098 $ 27,390
Interest on deposits in other banks 108 187 110
Interest on Federal funds sold 2 2 2
Interest and dividends on investment securities:      
Taxable 3,289 4,548 5,472
Exempt from Federal income taxes 4,508 3,464 3,039
Total interest income 31,820 34,299 36,013
Interest expense:      
Interest on deposits 1,630 2,662 3,713
Interest on junior subordinated deferrable interest debentures 107 100 102
Other 146 180 468
Total interest expense 1,883 2,942 4,283
Net interest income before provision for credit losses 29,937 31,357 31,730
Provision for credit losses 700 1,050 3,800
Net interest income after provision for credit losses 29,237 30,307 27,930
Non-interest income:      
Service charges 2,774 2,903 3,225
Appreciation in cash surrender value of bank owned life insurance 391 382 392
Loan placement fees 631 274 300
Gain on disposal of other real estate owned 12 615 176
Net realized gain (loss) on sale of assets 4 (5) (10)
Net realized gains (losses) on sales and calls of investment securities 1,639 298 (191)
Other-than-temporary impairment loss:      
Total impairment loss 0 (31) (1,587)
Loss recognized in other comprehensive income 0 0 0
Net impairment loss recognized in earnings 0 (31) (1,587)
Federal Home Loan Bank dividends 36 9 11
Other income 1,755 1,826 1,395
Total non-interest income 7,242 6,271 3,711
Non-interest expenses:      
Salaries and employee benefits 15,597 15,762 14,871
Occupancy and equipment 3,578 3,795 3,867
Regulatory assessments 652 845 1,191
Data processing expense 1,125 1,178 1,197
Advertising 558 735 669
Audit and accounting fees 514 491 496
Legal fees 185 335 495
Merger expenses 284 0 0
Other real estate owned 78 15 1,071
Amortization of core deposit intangibles 200 414 414
Other expense 4,503 4,670 4,460
Total non-interest expenses 27,274 28,240 28,731
Income before provision for (benefit from) income taxes 9,205 8,338 2,910
Provision for (benefit from) income taxes 1,685 1,861 (369)
Net income 7,520 6,477 3,279
Net income 7,520 6,477 3,279
Preferred stock dividends and accretion 350 486 395
Net income available to common shareholders $ 7,170 $ 5,991 $ 2,884
Net income per common share:      
Basic earnings per common share $ 0.75 $ 0.63 $ 0.31
Diluted earnings per common share $ 0.75 $ 0.63 $ 0.31
Cash dividends per common share $ 0.05 $ 0 $ 0