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Consolidated Statements Of Income (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 and Dividend Income        
Interest and fees on loans $ 5,634 $ 5,750 $ 17,057 $ 17,192
Interest and dividends on securities available for sale:        
Taxable interest income 524 603 1,676 2,056
Interest income exempt from federal income taxes 337 367 1,048 1,029
Dividends 87 189 297 315
Interest on deposits in banks 4 11 9 31
Total interest and dividend income 6,586 6,920 20,087 20,623
Interest Expense        
Interest on deposits 377 595 1,218 1,890
Interest on federal funds purchased and securities sold under agreements to repurchase 90 93 270 275
Interest on Federal Home Loan Bank advances 273 420 844 1,310
Interest on trust preferred capital notes 37 34 112 102
Interest on interest rate swap 43 46 126 136
Total interest expense 820 1,188 2,570 3,713
Net interest income 5,766 5,732 17,517 16,910
Provision For Loan Losses 1,050 1,050 1,650 2,850
Net interest income after provision for loan losses 4,716 4,682 15,867 14,060
Noninterest Income        
Income from fiduciary activities 205 189 726 698
Service charges on deposit accounts 390 406 1,112 1,190
Other service charges and fees 898 861 2,576 2,473
Gain (loss) on securities 1 (8) 15 155
Other operating income 59 24 167 80
Total noninterest income 1,553 1,472 4,596 4,596
Noninterest Expenses        
Salaries and employee benefits 2,651 2,688 7,935 7,588
Occupancy expenses 279 286 858 877
Equipment expenses 162 164 502 507
Advertising and marketing expenses 132 157 347 408
Stationery and supplies 91 53 231 221
ATM network fees 139 131 396 377
Other real estate owned expense 8 39 58 146
(Gain) loss on the sale of other real estate owned   78 (15) 255
FDIC assessment 96 170 202 546
Computer software expense 100 190 336 458
Bank franchise tax 94 102 290 275
Professional fees 237 105 757 634
Other operating expenses 588 482 1,662 1,477
Total noninterest expenses 4,577 4,645 13,559 13,769
Income before income taxes 1,692 1,509 6,904 4,887
Income Tax Expense 439 370 1,935 1,258
Net income $ 1,253 $ 1,139 $ 4,969 $ 3,629
Earnings Per Share        
Net income per common share, basic $ 0.38 $ 0.34 $ 1.50 $ 1.10
Net income per common share, diluted $ 0.37 $ 0.34 $ 1.49 $ 1.10