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Consolidated Statements of Earnings (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Interest income:    
Interest and fees on loans $ 7,640 $ 8,425
Interest on due from banks 12 3
Interest on investment securities:    
U.S. Government sponsored enterprises, including mortgage-backed securities 378 1,070
States and political subdivisions 984 800
Other 89 64
Total interest income 9,103 10,362
Interest expense:    
NOW, MMDA & savings deposits 218 344
Time deposits 467 1,032
FHLB borrowings 661 690
Junior subordinated debentures 100 113
Other 17 39
Total interest expense 1,463 2,218
Net interest income 7,640 8,144
Provision for loan losses 1,053 2,049
Net interest income after provision for loan losses 6,587 6,095
Non-interest income:    
Service charges 1,039 1,188
Other service charges and fees 373 341
Gain on sale of securities 263 527
Mortgage banking income 384 226
Insurance and brokerage commissions 139 135
Gain/(Loss) on sale and write-down of other real estate 12 (189)
Miscellaneous 1,217 1,152
Total non-interest income 3,427 3,380
Non-interest expense:    
Salaries and employee benefits 4,190 3,841
Occupancy 1,312 1,301
Other 2,236 2,129
Total non-interest expense 7,738 7,271
Earnings before income taxes 2,276 2,204
Income tax expense 518 545
Net earnings 1,758 1,659
Dividends and accretion on preferred stock 157 348
Net earnings available to common shareholders $ 1,601 $ 1,311
Basic net earnings per common share $ 0.29 $ 0.24
Diluted net earnings per common share $ 0.29 $ 0.24
Cash dividends declared per common share (in dollars per share) $ 0.03 $ 0.07