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Consolidated Statements of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended
Mar. 31, 2014
Mar. 31, 2013
INTEREST INCOME    
Interest and fees on loans $ 9,865 $ 10,387
Interest on investment securities:    
Taxable 881 905
Nontaxable 189 217
Federal funds sold and other overnight interest-bearing deposits 8 14
Dividends on other securities 20 22
Total interest income 10,963 11,545
Interest on deposits:    
Savings, interest checking and money market 267 261
Time deposit accounts $100,000 and over 190 248
Other time deposits 432 883
Interest on federal funds purchased and securities sold under agreements to repurchase 4 5
Interest on subordinated notes 312 320
Interest on Federal Home Loan Bank advances 104 99
Total interest expense 1,309 1,816
Net interest income 9,654 9,729
Provision for loan losses   1,000
Net interest income after provision for loan losses 9,654 8,729
NON-INTEREST INCOME    
Service charges on deposit accounts 1,230 1,359
Trust department income 203 210
Real estate servicing fees, net 177 159
Gain on sale of mortgage loans, net 191 720
Gain on sale of investment securities   294
Other 284 265
Total non-interest income 2,085 3,007
NON-INTEREST EXPENSE    
Salaries and employee benefits 5,030 4,910
Occupancy expense, net 620 635
Furniture and equipment expense 443 435
FDIC insurance assessment 238 243
Legal, examination, and professional fees 226 226
Advertising and promotion 290 281
Postage, printing, and supplies 265 256
Processing expense 759 1,275
Other real estate expense, net 124 2,821
Other 712 852
Total non-interest expense 8,707 11,934
Income (loss) before income taxes 3,032 (198)
Income tax expense (benefit) 1,045 (62)
Net income (loss) 1,987 (136)
Preferred stock dividends and accretion of discount   295
Net income (loss) available to common shareholders $ 1,987 $ (431)
Basic earnings (loss) per share (in dollars per share) $ 0.39 $ (0.09)
Diluted earnings (loss) per share (in dollars per share) $ 0.39 $ (0.09)