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Condensed Consolidated Statements Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended
Mar. 31, 2012
Mar. 31, 2011
Interest income    
Taxable $ 5,928 $ 5,852
Nontaxable 23 11
Securities    
Taxable 399 611
Nontaxable 147 336
Total interest income 6,497 6,810
Interest expense    
Deposits 854 1,049
Other borrowings 34 25
Repurchase agreements 68 426
Federal Home Loan Bank advances 74 133
Trust preferred securities 592 344
Total interest expense 1,622 1,977
Net interest income 4,875 4,833
Provision for loan losses 450 499
Net interest income after provision for loan losses 4,425 4,334
Noninterest income    
Data service fees 643 912
Trust fees 642 695
Customer service fees 631 581
Gain on sale of mortgage loans and OMSR's 1,181 425
Mortgage loan servicing fees, net 329 139
Gain on sale of non-mortgage loans 0 43
Loss on sale or disposal of assets (56) (100)
Other income 211 168
Total non-interest income 3,581 2,863
Noninterest expense    
Salaries and employee benefits 3,499 3,530
Net occupancy expense 548 584
Equipment expense 711 711
FDIC insurance expense 214 318
Data processing fees 113 144
Professional fees 385 474
Marketing expense 90 56
Printing and office supplies 78 76
Telephone and communication 144 157
Postage and delivery expense 229 344
State, local and other taxes 120 144
Employee expense 106 96
Other intangible amortization expense 157 197
Other expenses 282 229
Total non-interest expense 6,676 7,060
Income before income tax expense 1,330 137
Income tax expense 358 126
Net income $ 972 $ 11
Common share data:    
Basic earnings per common share (in dollars per share) $ 0.20 $ 0.00
Diluted earnings per common share (in dollars per share) $ 0.20 $ 0.00
Average shares outstanding:    
Basic: (in shares) 4,862 4,862
Diluted: (in shares) 4,862 4,862