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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
INTEREST INCOME        
Interest and fees on loans $ 9,718,000 $ 9,019,000 $ 28,654,000 $ 26,990,000
Interest bearing deposits 1,000 2,000 4,000 6,000
Short-term investments in money market funds 3,000 1,000 10,000 3,000
Investment securities:        
Available for sale 790,000 859,000 2,480,000 2,688,000
Held to maturity 155,000 138,000 451,000 410,000
Total Interest Income 10,667,000 10,019,000 31,599,000 30,097,000
INTEREST EXPENSE        
Deposits 1,174,000 1,237,000 3,519,000 3,688,000
Short-term borrowings 37,000 10,000 70,000 34,000
Advances from Federal Home Loan Bank 141,000 89,000 401,000 223,000
Guaranteed junior subordinated deferrable interest debentures 280,000 280,000 840,000 840,000
Total Interest Expense 1,632,000 1,616,000 4,830,000 4,785,000
NET INTEREST INCOME 9,035,000 $ 8,403,000 26,769,000 $ 25,312,000
Provision for loan losses 300,000 750,000
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 8,735,000 $ 8,403,000 26,019,000 $ 25,312,000
NON-INTEREST INCOME        
Trust and investment advisory fees 2,085,000 1,807,000 6,276,000 5,787,000
Service charges on deposit accounts 441,000 507,000 1,289,000 1,486,000
Net gains on sale of loans 178,000 275,000 594,000 547,000
Mortgage related fees 87,000 $ 190,000 311,000 467,000
Net realized gains (losses) on investment securities (36,000) (8,000) 177,000
Bank owned life insurance 684,000 $ 188,000 1,218,000 559,000
Other income 576,000 626,000 1,739,000 1,740,000
Total Non-Interest Income 4,015,000 3,593,000 11,419,000 10,763,000
NON-INTEREST EXPENSE        
Salaries and employee benefits 6,079,000 6,139,000 18,096,000 18,560,000
Net occupancy expense 692,000 709,000 2,251,000 2,265,000
Equipment expense 409,000 468,000 1,355,000 1,432,000
Professional fees 1,206,000 1,360,000 3,692,000 4,132,000
Supplies, postage and freight 181,000 196,000 534,000 566,000
Miscellaneous taxes and insurance 288,000 276,000 872,000 884,000
Federal deposit insurance expense $ 174,000 159,000 $ 505,000 473,000
Goodwill impairment charge 669,000 669,000
Other expense $ 1,190,000 1,267,000 $ 3,563,000 3,620,000
Total Non-Interest Expense 10,219,000 11,243,000 30,868,000 32,601,000
PRETAX INCOME 2,531,000 753,000 6,570,000 3,474,000
Provision for income tax expense 698,000 388,000 1,947,000 1,200,000
NET INCOME 1,833,000 365,000 4,623,000 2,274,000
Preferred stock dividends 52,000 53,000 157,000 158,000
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS $ 1,781,000 $ 312,000 $ 4,466,000 $ 2,116,000
Basic:        
Net income $ 0.09 $ 0.02 $ 0.24 $ 0.11
Average number of shares outstanding 18,869 18,795 18,860 18,792
Diluted:        
Net income $ 0.09 $ 0.02 $ 0.24 $ 0.11
Average number of shares outstanding 18,951 18,908 18,928 18,916
Cash dividends declared $ 0.01 $ 0.01 $ 0.03 $ 0.03