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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, 2013
Sep. 30, 2012
Sep. 30, 2013
Sep. 30, 2012
Interest and Dividend Income        
Interest and fees on loans $ 5,446 $ 5,634 $ 16,120 $ 17,057
Interest and dividends on securities available for sale:        
Taxable interest income 500 524 1,565 1,676
Interest income exempt from federal income taxes 307 337 945 1,048
Dividends 38 87 147 297
Interest on deposits in banks 3 4 18 9
Total interest and dividend income 6,294 6,586 18,795 20,087
Interest Expense        
Interest on deposits 269 377 883 1,218
Interest on federal funds purchased and securities sold under agreements to repurchase 2 90 31 270
Interest on Federal Home Loan Bank advances 276 273 819 844
Interest on trust preferred capital notes 34 37 101 112
Interest on interest rate swap 46 43 136 126
Total interest expense 627 820 1,970 2,570
Net interest income 5,667 5,766 16,825 17,517
Provision For Loan Losses 0 1,050 767 1,650
Net interest income after provision for loan losses 5,667 4,716 16,058 15,867
Noninterest Income        
Income from fiduciary activities 296 205 929 726
Service charges on deposit accounts 377 390 1,086 1,112
Other service charges and fees 874 898 3,117 2,576
Gain on sale of securities 0 1 400 15
Other operating income 34 59 450 167
Total noninterest income 1,581 1,553 5,982 4,596
Noninterest Expenses        
Salaries and employee benefits 2,926 2,651 8,477 7,935
Occupancy expenses 336 279 936 858
Equipment expenses 151 162 497 502
Advertising and marketing expenses 150 132 421 347
Stationery and supplies 57 91 203 231
ATM network fees 157 139 457 396
Other real estate owned expense 2 8 30 58
Loss (gain) on the sale of other real estate owned 111 0 58 (15)
FDIC assessment 92 96 285 202
Computer software expense 185 100 504 336
Bank franchise tax 103 94 305 290
Professional fees 265 237 790 757
Credit card expense 158 70 263 208
Other operating expenses 479 518 1,481 1,454
Total noninterest expenses 5,172 4,577 14,707 13,559
Income before income taxes 2,076 1,692 7,333 6,904
Income Tax Expense 571 439 2,024 1,935
Net income $ 1,505 $ 1,253 $ 5,309 $ 4,969
Earnings Per Share        
Net income per common share, basic $ 0.44 $ 0.38 $ 1.57 $ 1.50
Net income per common share, diluted $ 0.44 $ 0.37 $ 1.56 $ 1.49