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Consolidated Statements of Income (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 9 Months Ended
Sep. 30, 2013
Sep. 30, 2012
Sep. 30, 2013
Sep. 30, 2012
Loans        
Taxable $ 5,649 $ 6,106 $ 17,406 $ 18,071
Nontaxable 14 21 54 68
Securities        
Taxable 305 383 931 1,185
Nontaxable 178 156 522 449
Total interest income 6,146 6,666 18,913 19,773
Interest expense        
Deposits 539 694 1,718 2,316
Other borrowings 11 17 37 49
Repurchase Agreements 2 11 7 139
Federal Home Loan Bank advances 83 92 257 241
Trust preferred securities 336 418 1,077 1,451
Total interest expense 971 1,232 3,096 4,196
Net interest income 5,175 5,434 15,817 15,577
Provision for loan losses 401 300 900 950
Net interest income after provision for loan losses 4,774 5,134 14,917 14,627
Noninterest income        
Trust fees 669 646 1,964 1,895
Customer service fees 659 677 1,914 1,976
Gain on sale of mtg. loans & OMSR's 1,356 1,572 4,290 4,148
Mortgage loan servicing fees, net 432 (192) 1,029 (28)
Gain on sale of non-mortgage loans 44 170 282 170
Data service fees 333 485 1,205 1,704
Net gain on sales of securities 28 0 48   
Gain/(loss) on sale/disposal of assets 15 (151) (219) (257)
Other income 174 201 584 589
Total non-interest income 3,710 3,408 11,097 10,197
Noninterest expense        
Salaries and employee benefits 3,343 3,597 10,470 10,693
Net occupancy expense 507 515 1,561 1,591
Equipment expense 701 722 2,159 2,145
FDIC insurance expense 98 91 301 528
Data processing fees 189 103 460 337
Professional fees 456 451 1,384 1,226
Marketing expense 135 85 335 278
Printing and office supplies 49 39 246 184
Telephone and communication 156 151 472 434
Postage and delivery expense 199 223 623 652
State, local and other taxes 140 128 412 366
Employee expense 125 118 403 343
Other intangible amortization expense 129 157 435 472
OREO Impairment       33 58
Other expenses 335 345 1,018 965
Total non-interest expense 6,562 6,725 20,312 20,272
Income before income tax expense 1,922 1,817 5,702 4,552
Income tax expense 578 513 1,721 1,262
Net income $ 1,344 $ 1,304 $ 3,981 $ 3,290
Common share data:        
Basic earnings per common share $ 0.28 $ 0.27 $ 0.82 $ 0.68
Diluted earnings per common share $ 0.28 $ 0.27 $ 0.82 $ 0.68