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CONSOLIDATED STATEMENTS OF OPERATIONS (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
INTEREST INCOME      
Taxable $ 34,752 $ 35,630 $ 39,020
Tax exempt 63 69 76
Interest bearing deposits 10 9 1
Short-term investments in money market funds 18 9 16
Federal funds sold    7 4
Investment securities:      
Available for sale 4,634 5,837 5,281
Held to maturity 440 403 433
Total Interest Income 39,917 41,964 44,831
INTEREST EXPENSE      
Deposits 6,502 8,335 10,945
Short-term borrowings 11 6 22
Advances from Federal Home Loan Bank 81 220 402
Guaranteed junior subordinated deferrable interest debentures 1,120 1,120 1,120
Total Interest Expense 7,714 9,681 12,489
Net Interest Income 32,203 32,283 32,342
Provision (credit) for loan losses (775) (3,575) 5,250
Net Interest Income after Provision (Credit) for Loan Losses 32,978 35,858 27,092
NON-INTEREST INCOME      
Trust fees 6,527 6,173 5,571
Investment advisory fees 741 754 713
Net gains on loans held for sale 1,132 812 958
Net realized gains (losses) on investment securities 12 (358) 157
Service charges on deposit accounts 2,195 2,241 2,284
Bank owned life insurance 863 885 1,227
Other income 3,473 3,062 3,057
Total Non-Interest Income 14,943 13,569 13,967
NON-INTEREST EXPENSE      
Salaries and employee benefits 24,424 22,616 21,602
Net occupancy expense 2,800 2,900 2,691
Equipment expense 1,764 1,686 1,680
Professional fees 3,870 3,875 4,363
Supplies, postage, and freight 830 886 997
Miscellaneous taxes and insurance 1,439 1,372 1,396
Federal deposit insurance expense 441 1,338 1,575
Federal Home Loan Bank prepayment penalties    240   
Other expense 5,073 5,124 5,393
Total Non-Interest Expense 40,641 40,037 39,697
PRETAX INCOME 7,280 9,390 1,362
Provision for income taxes (benefit) 2,241 2,853 80
NET INCOME 5,039 6,537 1,282
Preferred stock dividends and accretion of preferred stock discount 828 1,385 1,161
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS $ 4,211 $ 5,152 $ 121
Basic:      
Net income $ 0.21 $ 0.24 $ 0.01
Average number of shares outstanding 19,685 21,184 21,224
Diluted:      
Net income $ 0.21 $ 0.24 $ 0.01
Average number of shares outstanding 19,747 21,205 21,226
Cash dividends declared $ 0.0 $ 0.0 $ 0.0