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Consolidated Statements Of Income (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended
Mar. 31, 2012
Mar. 31, 2011
Interest and dividend income:    
Loans, including fees $ 4,011 $ 3,875
Debt securities:    
Taxable 458 594
Tax-exempt 163 74
Dividends 33 42
Interest earning time deposits 7 0
Federal funds sold and interest earning deposits 1 1
Total interest income 4,673 4,586
Interest expense:    
Interest on deposits 761 813
Interest on short-term borrowings 3 11
Interest on long-term borrowings 252 279
Total interest expense 1,016 1,103
Net interest income 3,657 3,483
Provision for loan losses 225 263
Net interest income after provision for loan losses 3,432 3,220
Noninterest income:    
Service charges on deposit accounts 273 295
Earnings on bank owned life insurance 93 62
Loan servicing fees 41 42
Net gains on sales and redemptions of investment securities 112 27
Net (losses) gains on sales of loans and foreclosed real estate (24) 26
Debit card interchange fees 97 84
Other charges, commissions & fees 136 136
Total noninterest income 728 672
Noninterest expense:    
Salaries and employee benefits 1,974 1,709
Building occupancy 383 363
Data processing 341 353
Professional and other services 153 126
Advertising 60 139
FDIC assessments 77 162
Audits and exams 56 60
Other expenses 411 371
Total noninterest expenses 3,455 3,283
Income before income taxes 705 609
Provision for income taxes 176 183
Net income 529 426
Preferred stock dividends and discount accretion 138 117
Net income available to common shareholders $ 391 $ 309
Earnings per common share - basic (in dollars per share) $ 0.16 $ 0.12
Earnings per common share - diluted (in dollars per share) $ 0.16 $ 0.12
Dividends per common share (in dollars per share) $ 0.03 $ 0.03