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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, 2012
Sep. 30, 2011
Sep. 30, 2012
Sep. 30, 2011
Interest and dividend income:        
Loans, including fees $ 3,974 $ 4,089 $ 11,962 $ 11,945
Debt securities:        
Taxable 439 489 1,386 1,687
Tax-exempt 190 81 535 230
Dividends 38 33 97 101
Interest earnings time deposits 6 0 18 0
Federal funds sold and interest earning deposits 1 1 3 3
Total interest income 4,648 4,693 14,001 13,966
Interest expense:        
Interest on deposits 714 810 2,211 2,444
Interest on long-term borrowings 243 259 750 816
Interest on short-term borrowings 6 4 14 22
Total interest expense 963 1,073 2,975 3,282
Net interest income 3,685 3,620 11,026 10,684
Provision for loan losses 275 145 650 670
Net interest income after provision for loan losses 3,410 3,475 10,376 10,014
Noninterest income:        
Service charges on deposit accounts 285 283 838 854
Earnings and gain on bank owned life insurance 46 45 235 162
Loan servicing fees 51 63 159 155
Net gains on sales and redemptions of investment securities 18 469 179 791
Net gains (losses) on sales of loans and foreclosed real estate 6 (80) 31 (40)
Debit card interchange fees 105 93 308 273
Other charges, commissions & fees 150 130 423 403
Total noninterest income 661 1,003 2,173 2,598
Noninterest expense:        
Salaries and employee benefits 1,733 1,787 5,576 5,260
Building occupancy 348 316 1,077 1,038
Data processing 390 349 1,072 1,054
Professional and other services 174 219 473 504
Advertising 108 91 268 366
FDIC assessments 78 (8) 233 316
Audits and exams 73 62 184 181
Other expenses 274 392 1,106 1,175
Total noninterest expenses 3,178 3,208 9,989 9,894
Income before income taxes 893 1,270 2,560 2,718
Provision for income taxes 223 396 641 831
Net income 670 874 1,919 1,887
Preferred stock dividends and discount accretion 113 581 367 816
Net income available to common shareholders $ 557 $ 293 $ 1,552 $ 1,071
Earnings per common share - basic (in dollars per share) $ 0.22 $ 0.12 $ 0.62 $ 0.43
Earnings per common share - diluted (in dollars per share) $ 0.22 $ 0.11 $ 0.62 $ 0.42
Dividends per common share (in dollars per share) $ 0.03 $ 0.03 $ 0.09 $ 0.09