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Consolidated Statements Of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 6 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Jun. 30, 2013
Jun. 30, 2012
Interest and Dividend Income        
Interest and fees on loans $ 5,343 $ 5,748 $ 10,674 $ 11,423
Interest and dividends on securities available for sale:        
Taxable interest income 518 554 1,065 1,152
Interest income exempt from federal income taxes 314 351 638 711
Dividends 42 107 109 210
Interest on deposits in banks 6 2 15 5
Total interest and dividend income 6,223 6,762 12,501 13,501
Interest Expense        
Interest on deposits 288 397 614 841
Interest on federal funds purchased and securities sold under agreements to repurchase 1 89 29 180
Interest on Federal Home Loan Bank advances 273 273 543 571
Interest on trust preferred capital notes 33 37 67 75
Interest on interest rate swap 45 42 90 83
Total interest expense 640 838 1,343 1,750
Net interest income 5,583 5,924 11,158 11,751
Provision For Loan Losses 384 300 767 600
Net interest income after provision for loan losses 5,199 5,624 10,391 11,151
Noninterest Income        
Income from fiduciary activities 273 281 633 521
Service charges on deposit accounts 366 370 709 722
Other service charges and fees 1,443 868 2,243 1,678
Gain on sale of securities 10 14 400 14
Other operating income 377 40 416 108
Total noninterest income 2,469 1,573 4,401 3,043
Noninterest Expenses        
Salaries and employee benefits 2,910 2,671 5,551 5,284
Occupancy expenses 319 287 600 579
Equipment expenses 191 176 346 340
Advertising and marketing expenses 144 100 271 215
Stationery and supplies 68 69 146 140
ATM network fees 143 135 300 257
Other real estate owned expense 20 29 28 50
(Gain) loss on the sale of other real estate owned (53) (4) (53) (15)
FDIC assessment 96 (77) 193 106
Computer software expense 164 101 319 236
Bank franchise tax 101 95 202 196
Professional fees 284 259 525 520
Other operating expenses 565 539 1,107 1,074
Total noninterest expenses 4,952 4,380 9,535 8,982
Income before income taxes 2,716 2,817 5,257 5,212
Income Tax Expense 715 815 1,453 1,496
Net income $ 2,001 $ 2,002 $ 3,804 $ 3,716
Earnings Per Share        
Net income per common share, basic $ 0.59 $ 0.60 $ 1.13 $ 1.12
Net income per common share, diluted $ 0.59 $ 0.60 $ 1.12 $ 1.12