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Consolidated Statements Of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended
Mar. 31, 2012
Mar. 31, 2011
Interest and Dividend Income    
Interest and fees on loans $ 5,547 $ 5,833
Interest on federal funds sold 3 7
Interest on deposits in banks 3 7
Interest and dividends on securities available for sale:    
Taxable interest 535 451
Tax-exempt interest 102 123
Dividends 18 17
Total interest and dividend income 6,208 6,438
Interest Expense    
Interest on deposits 986 1,303
Interest on trust preferred capital notes 62 109
Interest on other borrowings 80 91
Total interest expense 1,128 1,503
Net interest income 5,080 4,935
Provision for loan losses 2,000 270
Net interest income after provision for loan losses 3,080 4,665
Noninterest Income    
Service charges on deposit accounts 502 501
ATM and check card fees 372 371
Trust and investment advisory fees 346 342
Fees for other customer services 98 73
Gains on sale of loans 43 47
Gains on sale of securities available for sale, net 1,117  
Other operating income 36 6
Total noninterest income 2,514 1,340
Noninterest Expense    
Salaries and employee benefits 2,369 2,288
Occupancy 326 341
Equipment 306 325
Marketing 78 105
Stationery and supplies 81 79
Legal and professional fees 250 201
ATM and check card fees 156 171
FDIC assessment 178 190
Bank franchise tax 76 105
Provision for other real estate owned 401 130
Other real estate owned expense 253 126
Net gains on sale of other real estate owned (90)  
Telecommunications expense 61 90
Data processing 90 63
Other operating expense 369 341
Total noninterest expense 4,904 4,555
Income before income taxes 690 1,450
Income tax provision 215 447
Net income 475 1,003
Effective dividend on preferred stock 224 223
Net income available to common shareholders $ 251 $ 780
Earnings per common share, basic and diluted $ 0.08 $ 0.26