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Condensed Consolidated Statements of Income (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 6 Months Ended
Jun. 30, 2014
Jun. 30, 2013
Jun. 30, 2014
Jun. 30, 2013
Loans        
Taxable $ 5,654 $ 5,874 $ 10,895 $ 11,757
Nontaxable 13 16 29 40
Securities        
Taxable 310 296 619 626
Nontaxable 179 174 354 344
Total interest income 6,156 6,360 11,897 12,767
Interest expense        
Deposits 503 573 1,001 1,179
Repurchase Agreements & Other 4 15 15 31
Federal Home Loan Bank advances 71 84 145 174
Trust preferred securities 330 338 663 741
Total interest expense 908 1,010 1,824 2,125
Net interest income 5,248 5,350 10,073 10,642
Provision for loan losses 150 200 150 499
Net interest income after provision for loan losses 5,098 5,150 9,923 10,143
Noninterest income        
Wealth Management Fees 649 652 1,281 1,295
Customer service fees 665 639 1,275 1,255
Gain on sale of mtg. loans & OMSR's 1,211 1,450 1,783 2,934
Mortgage loan servicing fees, net 156 418 401 597
Gain on sale of non-mortgage loans 84 82 107 238
Data service fees 322 458 628 872
Net gain on sales of securities 56   56 20
Gain/(loss) on sale/disposal of assets (15) (129) (49) (234)
Other income 167 250 372 410
Total non-interest income 3,295 3,820 5,854 7,387
Noninterest expense        
Salaries and employee benefits 3,451 3,688 6,571 7,127
Net occupancy expense 485 513 1,058 1,054
Equipment expense 645 703 1,284 1,458
Data processing fees 249 194 460 271
Professional fees 465 499 803 928
Marketing expense 170 92 293 200
Telephone and communication 107 158 219 316
Postage and delivery expense 187 209 391 424
State, local and other taxes 95 138 187 272
Employee expense 140 126 255 278
Intangible amortization expense 131 153 262 306
OREO Impairment          33
Other expenses 502 607 922 1,083
Total non-interest expense 6,627 7,080 12,705 13,750
Income before income tax expense 1,766 1,890 3,072 3,780
Income tax expense 521 571 847 1,143
Net income $ 1,245 $ 1,319 $ 2,225 $ 2,637
Common share data:        
Basic earnings per common share $ 0.26 $ 0.27 $ 0.46 $ 0.54
Diluted earnings per common share $ 0.25 $ 0.27 $ 0.46 $ 0.54