XML 97 R4.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Loans    
Taxable $ 23,911 $ 24,445
Tax-exempt 90 75
Securities    
Taxable 1,515 2,010
Tax-exempt 606 979
Total interest income 26,122 27,509
Interest Expense    
Deposits 2,969 3,982
Notes payable 64 96
Repurchase agreements 142 912
Federal Home Loan Bank advances 333 402
Trust preferred securities 1,882 1,406
Total interest expense 5,390 6,798
Net Interest Income 20,732 20,711
Provision for Loan Losses    
Provision for loan losses 1,350 1,994
Net Interest Income After Provision for Loan Losses 19,382 18,717
Non-interest Income    
Data service fees 2,515 3,630
Trust fees 2,501 2,616
Customer service fees 2,624 2,531
Gain on sale of mortgage loans 6,284 3,620
Mortgage loan servicing fees, net 124 (970)
Gain on sale of non-mortgage loans 264 208
Net gains on sales of securities    1,871
Loss on sale of foreclosed assets (311) (333)
Other 844 684
Total non-interest income 14,845 13,857
Non-interest Expense    
Salaries and employee benefits 14,518 14,174
Net occupancy expense 1,987 2,113
FDIC insurance expense 628 908
Equipment expense 2,837 2,827
Fixed asset and software impairment expense 65 609
Data processing fees 469 625
Professional fees 1,912 1,920
Marketing expense 393 328
Printing and office supplies 230 333
Telephone and communications 580 580
Postage and delivery expense 856 1,099
Insurance expense 98 88
Employee expense 456 524
Other intangible amortization expense 630 737
Goodwill impairment    381
FHLB/Repo, prepayment penalty    1,083
OREO impairment 58 214
State, local and other taxes 502 457
Other 1,265 1,253
Total non-interest expense 27,484 30,253
Income Before Income Tax 6,743 2,322
Provision for Income Taxes 1,929 658
Net Income $ 4,814 $ 1,664
Basic Earnings Per Share $ 0.99 $ 0.34
Diluted Earnings Per Share $ 0.99 $ 0.34