XML 92 R4.htm IDEA: XBRL DOCUMENT v2.4.0.6
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 and Dividend Income      
Interest and fees on loans $ 22,589 $ 23,029 $ 23,529
Interest on federal funds sold     2
Interest and dividends on securities available for sale:      
Taxable interest income 2,187 2,695 2,489
Interest income exempt from federal income taxes 1,383 1,397 1,302
Dividends 384 413 446
Interest on deposits in banks 23 37 21
Total interest and dividend income 26,566 27,571 27,789
Interest Expense      
Interest on deposits 1,586 2,439 2,983
Interest on federal funds purchased and securities sold under agreements to repurchase 360 364 387
Interest on Federal Home Loan Bank advances 1,120 1,685 1,844
Interest on trust preferred capital notes 148 137 138
Interest on interest rate swap 170 180 178
Total interest expense 3,384 4,805 5,530
Net interest income 23,182 22,766 22,259
Provision For Loan Losses 1,660 3,750 6,325
Net interest income after provision for loan losses 21,522 19,016 15,934
Noninterest Income      
Income from fiduciary activities 963 907 917
Service charges on deposit accounts 1,509 1,586 1,784
Other service charges and fees 3,404 3,190 2,993
Gain (loss) on the sale of bank premises and equipment   76 (83)
Gain on sale of securities 45 67 98
Other operating income 206 120 128
Total noninterest income 6,127 5,946 5,837
Noninterest Expenses      
Salaries and employee benefits 10,634 10,609 9,263
Occupancy expenses 1,147 1,155 1,142
Equipment expenses 665 676 625
Advertising and marketing expenses 470 500 435
Stationery and supplies 289 292 246
ATM network fees 528 546 442
Other real estate owned expense 362 159 19
(Gain) loss on the sale of other real estate owned (13) 361 338
FDIC assessment 292 712 852
Computer software expense 463 507 419
Bank franchise tax 383 376 317
Professional fees 1,072 1,111 827
Other operating expenses 2,248 2,265 2,222
Total noninterest expenses 18,540 19,269 17,147
Income before income taxes 9,109 5,693 4,624
Income Tax Expense 2,559 1,371 1,019
Net income $ 6,550 $ 4,322 $ 3,605
Earnings Per Share      
Net income per common share, basic $ 1.97 $ 1.31 $ 1.11
Net income per common share, diluted $ 1.96 $ 1.31 $ 1.11