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Consolidated Balance Sheets (USD $)
In Thousands, unless otherwise specified
Jun. 30, 2012
Dec. 31, 2011
Jun. 30, 2011
ASSETS      
Cash and due from banks $ 18,600 $ 17,688 $ 12,915
Federal funds sold and interest-bearing deposits 19,235 64,886 33,367
Cash and cash equivalents 37,835 82,574 46,282
Securities:      
Securities available for sale 97,965 88,765 101,872
Securities held to maturity (fair value of $18,301, $19,879, and $13,855, respectively) 16,881 18,771 13,316
Total securities 114,846 107,536 115,188
Loans:      
SBA loans held for sale 6,087 7,668 13,753
SBA loans held to maturity 60,382 64,175 71,429
SBA 504 loans 45,247 55,108 55,810
Commercial loans 310,331 283,104 287,785
Residential mortgage loans 136,514 134,090 134,782
Consumer loans 46,340 48,447 51,546
Total loans 604,901 592,592 615,105
Less: Allowance for loan losses (16,284) (16,348) (16,018)
Net loans 588,617 576,244 599,087
Premises and equipment, net 12,146 11,350 10,650
Bank owned life insurance ("BOLI") 9,253 9,107 8,959
Deferred tax assets 6,977 6,878 6,756
Federal Home Loan Bank stock 3,989 4,088 4,088
Accrued interest receivable 3,415 3,703 3,692
Other real estate owned ("OREO") 2,355 3,032 2,722
Prepaid FDIC insurance 2,230 2,545 2,720
Goodwill and other intangibles 1,522 1,530 1,537
Other assets 1,926 2,259 4,482
Total assets 785,111 810,846 806,163
Liabilities:      
Deposits: Noninterest-bearing demand deposits 107,497 101,193 94,547
Deposits: Interest-bearing demand deposits 101,420 104,749 93,730
Deposits: Savings deposits 273,395 278,603 285,651
Deposits: Time deposits, under $100,000 83,138 102,809 106,880
Deposits: Time deposits, $100,000 and over 50,993 56,617 60,359
Total deposits 616,443 643,971 641,167
Borrowed funds 75,000 75,000 75,000
Subordinated debentures 15,465 15,465 15,465
Accrued interest payable 470 523 570
Accrued expenses and other liabilities 2,832 2,329 1,754
Total liabilities 710,210 737,288 733,956
Commitments and contingencies         
Shareholders' equity:      
Cumulative perpetual preferred stock 19,824 19,545 19,278
Common stock 53,917 53,746 53,590
Retained earnings (deficit) 231 (854) (1,757)
Accumulated other comprehensive income 929 1,121 1,096
Total shareholders' equity 74,901 73,558 72,207
Total liabilities and shareholders' equity $ 785,111 $ 810,846 $ 806,163
Preferred shares 21 21 21
Issued common shares 7,461 7,459 7,412
Outstanding common shares 7,461 7,459 7,412