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Consolidated Statements of Income (USD $)
In Thousands, except Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2011
Dec. 31, 2010
Dec. 31, 2009
Interest and Dividend Income      
Loans $ 42,133 $ 42,850 $ 45,885
Securities:      
U.S. Government agencies and corporations 5,847 7,220 10,452
State and political subdivisions 1,035 987 1,008
Other debt and equity securities 277 269 244
Federal funds sold and short-term investments 57 46 58
Total interest income 49,349 51,372 57,647
Interest Expense      
Deposits 8,367 10,709 17,379
Federal Home Loan Bank advances 1,053 1,272 1,481
Short-term borrowings 2 4 124
Junior subordinated debentures 686 779 941
Total interest expense 10,108 12,764 19,925
Net Interest Income 39,241 38,608 37,722
Provision for Loan Losses (Note 7) 10,353 10,225 19,017
Net interest income after provision for loan losses 28,888 28,383 18,705
Noninterest Income      
Investment and trust services 1,610 1,797 1,919
Deposit service charges 4,079 4,247 4,478
Other service charges and fees 3,246 3,208 2,775
Income from bank owned life insurance 722 709 693
Other income 330 329 315
Total fees and other income 9,987 10,290 10,180
Securities gains, net (Note 5) 832 393 690
Gains on sale of loans 889 1,000 1,146
Loss on sale of other assets, net (293) (116) (60)
Gain on extinguishment of debt (Note 12)   2,210  
Total noninterest income 11,415 13,777 11,956
Noninterest Expense      
Salaries and employee benefits (Notes 18 & 19) 15,944 15,854 15,142
Furniture and equipment 3,088 3,550 4,344
Net occupancy (Note 8) 2,310 2,355 2,354
Professional fees 1,854 2,182 2,459
Marketing and public relations 1,002 1,065 961
Supplies, postage and freight 1,107 1,225 1,260
Telecommunications 727 802 813
Ohio franchise tax 1,298 1,113 908
FDIC assessments 1,749 2,241 2,622
Other real estate owned 1,021 597 367
Electronic banking expenses 899 873 800
Loan and collection expense 1,364 1,715 1,346
Other expense 1,781 1,997 1,954
Total noninterest expense 34,144 35,569 35,330
Income (loss) before income tax expense (benefit) 6,159 6,591 (4,669)
Income tax expense (benefit) (Note 13) 1,156 1,226 (2,668)
Net Income (Loss) 5,003 5,365 (2,001)
Dividends and accretion on preferred stock 1,276 1,276 1,256
Net Income (Loss) Available to Common Shareholders $ 3,727 $ 4,089 $ (3,257)
Net Income (Loss) Per Common Share (Note 2)      
Basic $ 0.47 $ 0.55 $ (0.45)
Diluted $ 0.47 $ 0.55 $ (0.45)
Dividends declared $ 0.04 $ 0.04 $ 0.20
Average Common Shares Outstanding      
Basic 7,880,249 7,511,173 7,295,663
Diluted 7,880,249 7,511,173 7,295,663