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Consolidated Statements of Earnings (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Interest income:      
Interest and fees on loans $ 32,758 $ 36,374 $ 40,204
Interest on due from banks 51 33 63
Interest on investment securities:      
U.S. Government sponsored enterprises, including mortgage-backed securities 2,746 5,414 5,035
States and political subdivisions 3,403 3,180 2,173
Other 287 258 205
Total interest income 39,245 45,259 47,680
Interest expense:      
NOW, MMDA & savings deposits 1,180 2,263 3,472
Time deposits 3,205 5,035 6,786
FHLB borrowings 2,744 2,956 3,285
Junior subordinated debentures 438 407 411
Other 129 285 394
Total interest expense 7,696 10,946 14,348
Net interest income 31,549 34,313 33,332
Provision for loan losses 4,924 12,632 16,438
Net interest income after provision for loan losses 26,625 21,681 16,894
Non-interest income:      
Service charges 4,764 5,106 5,626
Other service charges and fees 1,940 2,090 2,195
Other than temporary impairment losses 0 (144) (291)
Gain on sale of securities 1,218 4,406 3,348
Mortgage banking income 1,229 757 532
Insurance and brokerage commissions 517 471 390
Loss on sale and write-down of other real estate (1,136) (1,322) (704)
Miscellaneous 4,005 3,149 2,788
Total non-interest income 12,537 14,513 13,884
Non-interest expense:      
Salaries and employee benefits 16,426 14,766 14,124
Occupancy 5,236 5,339 5,436
Other 10,120 9,467 9,388
Total non-interest expense 31,782 29,572 28,948
Earnings before income taxes 7,380 6,622 1,830
Income tax expense (benefit) 1,587 1,463 (11)
Net earnings 5,793 5,159 1,841
Dividends and accretion on preferred stock 1,010 1,393 1,394
Net earnings available to common shareholders $ 4,783 $ 3,766 $ 447
Basic and diluted net earnings per common share (in dollars per share) $ 0.86 $ 0.68 $ 0.08
Cash dividends declared per common share (in dollars per share) $ 0.18 $ 0.08 $ 0.08