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Consolidated Statements Of Operations (USD $)
In Thousands, except Per Share data
3 Months Ended9 Months Ended
Sep. 30, 2011
Sep. 30, 2010
Sep. 30, 2011
Sep. 30, 2010
Interest and Dividend Income    
Interest and fees on loans$ 5,666$ 6,239$ 17,317$ 18,728
Interest on federal funds sold21131
Interest on deposits in banks35159
Interest and dividends on securities available for sale:    
Taxable interest5953981,6181,298
Tax-exempt interest121132365419
Dividends16155043
Total interest and dividend income6,4036,79019,37820,498
Interest Expense    
Interest on deposits1,2041,3973,8104,574
Interest on federal funds purchased 1 12
Interest on trust preferred capital notes109112327329
Interest on other borrowings42104175356
Total interest expense1,3551,6144,3125,271
Net interest income5,0485,17615,06615,227
Provision for loan losses5,5751,2009,3952,611
Net interest income (loss) after provision for loan losses(527)3,9765,67112,616
Noninterest Income    
Service charges on deposit accounts5906681,6261,959
ATM and check card fees3913781,1721,058
Trust and investment advisory fees3503301,076934
Fees for other customer services8475231239
Gains on sale of loans257694141
Gains (losses) on sale of securities available for sale, net (9)41(7)
Other operating income (loss)33(10)5846
Total noninterest income1,4731,5084,2984,370
Noninterest Expense    
Salaries and employee benefits2,2992,2396,8676,756
Occupancy3473581,0191,053
Equipment3253449731,035
Marketing109142314394
Stationery and supplies88110254292
Legal and professional fees276210746630
ATM and check card fees162219492605
FDIC assessment181177588548
Bank franchise tax103109312318
Provision for other real estate owned9271111,103151
Other real estate owned expense13330325211
Net (gains) losses on sale of other real estate owned(36)(29)(28)23
Telecommunications expense6372239206
Data processing7966220187
Other operating expense3323481,0351,071
Total noninterest expense5,3884,50614,45913,480
Income (loss) before income taxes(4,442)978(4,490)3,506
Income tax provision (benefit)(1,556)284(1,662)1,044
Net income (loss)(2,886)694(2,828)2,462
Effective dividend on preferred stock224221670664
Net income (loss) available to common shareholders$ (3,110)$ 473$ (3,498)$ 1,798
Earnings (loss) per common share, basic and diluted$ (1.05)$ 0.16$ (1.18)$ 0.61