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Consolidated Statements of Income (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
 3 Months Ended 9 Months Ended
Sep. 30, 2012
Sep. 30, 2011
Sep. 30, 2012
Sep. 30, 2011
INTEREST INCOME        
Interest and fees on loans $ 10,881 $ 11,852 $ 33,068 $ 35,930
Interest on debt securities:        
Taxable 1,016 1,237 3,216 3,735
Nontaxable 225 250 688 780
Interest on federal funds sold and securities purchased under agreements to resell 0 0 0 1
Interest on interest-bearing deposits 6 8 43 40
Dividends on other securities 23 37 79 121
Total interest income 12,151 13,384 37,094 40,607
Interest on deposits:        
Savings, interest checking and money market 265 387 919 1,319
Time deposit accounts $100,000 and over 297 402 1,316 1,298
Other time deposit accounts 979 1,244 2,286 3,983
Interest on federal funds purchased and securities sold under agreements to repurchase 7 13 17 38
Interest on subordinated notes 346 322 1,045 964
Interest on Federal Home Loan Bank advances 135 212 403 938
Total interest expense 2,029 2,580 5,986 8,540
Net interest income 10,122 10,804 31,108 32,067
Provision for loan losses 4,700 2,010 7,900 5,643
Net interest income after provision for loan losses 5,422 8,794 23,208 26,424
NON-INTEREST INCOME        
Service charges on deposit accounts 1,360 1,446 4,067 4,176
Trust department income 234 209 670 632
Gain on sale of mortgage loans, net 779 431 1,773 894
Gain on sale of investment securities 26 0 26 0
Other 281 271 557 886
Total non-interest income 2,680 2,357 7,093 6,588
NON-INTEREST EXPENSE        
Salaries and employee benefits 4,761 4,505 14,465 13,516
Occupancy expense, net 666 735 1,953 1,958
Furniture and equipment expense 431 467 1,403 1,483
FDIC insurance assessment 249 255 752 1,130
Legal, examination, and professional fees 284 286 880 1,083
Advertising and promotion 288 272 750 774
Postage, printing, and supplies 274 271 817 836
Processing expense 888 787 2,667 2,422
Other real estate expense 1,787 523 3,383 1,564
Other 750 824 2,885 2,545
Total non-interest expense 10,378 8,925 29,955 27,311
(Loss) Income before income taxes (2,276) 2,226 346 5,701
Income tax (benift) expense (704) 711 (273) 1,823
Net (loss) income (1,572) 1,515 619 3,878
Preferred stock dividends 228 378 894 1,131
Accretion of discount on preferred stock 72 119 587 357
Net income available to common shareholders $ (1,872) $ 1,018 $ (862) $ 2,390
Basic (loss) earnings per share $ (0.39) $ 0.21 $ (0.18) $ 0.49
Diluted (loss) earnings per share $ (0.39) $ 0.21 $ (0.18) $ 0.49