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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 INCOME      
Federal Funds Sold and Interest-Bearing Deposits with Banks $ 232 $ 28 $ 51
United States Treasury Securities 96 284 364
Obligations of States and Political Subdivisions (tax exempt) 6,840 7,313 6,580
Obligations of States and Political Subdivisions (taxable) 24 494 507
Mortgage-Backed Securities 5,869 7,728 7,546
U.S. Government Agency Obligations 337 769 2,057
Other Securities 247 399 434
Loans and Loan Fees 61,844 69,291 69,469
Total Interest Income 75,489 86,306 87,008
INTEREST EXPENSE      
Saving, N.O.W., and Money Market Deposits 1,960 3,340 3,630
Time Certificates of $100,000 or more 2,029 2,915 3,537
Other Time Deposits 1,281 1,789 2,531
Federal Funds Purchased and Repurchase Agreements 1 3 120
Interest on Borrowings 654 1,667 2,854
Total Interest Expense 5,925 9,714 12,672
Net Interest Income 69,564 76,592 74,336
Provision for Loan Losses 24,888 32,086 4,275
Net Interest Income After Provision for Loan Losses 44,676 44,506 70,061
OTHER INCOME      
Service Charges on Deposit Accounts 3,898 4,806 5,341
Other Service Charges, Commissions & Fees 3,467 3,565 3,306
Fiduciary Fees 853 976 1,010
Gain on Sale of Other Real Estate Owned   310  
Net Gain on Sale of Securities Available for Sale 1,648 375  
Other-Than-Temporary-Impairment on Securities (includes total losses of $2,205, net of $1,153 recognized in other comprehensive loss, pre-tax, for the three months and year ended December 31, 2011) (1,052)    
Other Operating Income 1,251 1,191 1,461
Total Other Income 10,065 11,223 11,118
OTHER EXPENSE      
Salaries & Employee Benefits 30,914 28,518 28,267
Net Occupancy Expense 5,794 5,399 5,088
Equipment Expense 1,940 2,050 2,291
Outside Services 4,612 2,631 2,865
FDIC Assessments 3,069 2,751 2,717
Other Real Estate Owned Expense 351 882  
Prepayment Fee on Borrowing 1,028    
Other Operating Expense 11,334 8,547 7,573
Total Other Expense 59,042 50,778 48,801
(Loss) Income Before Tax (Benefit) Expense (4,301) 4,951 32,378
Income Tax (Benefit) Expense (4,223) (1,305) 9,830
NET (LOSS) INCOME $ (78) $ 6,256 $ 22,548
Average: Common Shares Outstanding 9,720,827 9,658,534 9,602,802
Dilutive Stock Options   4,447 18,175
Average Total Common Shares and Dilutive Options 9,720,827 9,662,981 9,620,977
(LOSS) EARNINGS PER COMMON SHARE      
Basic $ (0.01) $ 0.65 $ 2.35
Diluted $ (0.01) $ 0.65 $ 2.34