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Consolidated Statements of Operations (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended
Mar. 31, 2014
Mar. 31, 2013
Interest and Dividend Income    
Interest and fees on loans $ 4,215 $ 4,933
Interest on deposits in banks 16 10
Interest and dividends on securities available for sale:    
Taxable interest 562 372
Tax-exempt interest 95 73
Dividends 21 19
Total interest and dividend income 4,909 5,407
Interest Expense    
Interest on deposits 400 706
Interest on trust preferred capital notes 54 56
Interest on other borrowings 29 29
Total interest expense 483 791
Net interest income 4,426 4,616
Recovery of loan losses (200) (250)
Net interest income after recovery of loan losses 4,626 4,866
Noninterest Income    
Service charges on deposit accounts 630 459
ATM and check card fees 335 333
Wealth management fees 484 452
Fees for other customer services 87 88
Net gains on sale of loans   59
Other operating income 80 107
Total noninterest income 1,616 1,498
Noninterest Expense    
Salaries and employee benefits 2,509 2,634
Occupancy 315 378
Equipment 304 299
Marketing 109 110
Stationery and supplies 80 75
Legal and professional fees 202 179
ATM and check card fees 163 158
FDIC assessment 172 341
Bank franchise tax 94 68
Other real estate owned, net 31 107
Telecommunications 71 62
Data processing 115 83
Loss on disposal of premises and equipment 2 206
Other operating expense 446 410
Total noninterest expense 4,613 5,110
Income before income taxes 1,629 1,254
Income tax expense 483 271
Net income 1,146 983
Effective dividend and accretion on preferred stock 220 226
Net income available to common shareholders $ 926 $ 757
Earnings per common share, basic and diluted $ 0.19 $ 0.15