Quarterly report pursuant to Section 13 or 15(d)

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited)

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CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) (USD $)
In Thousands, except Share data, unless otherwise specified
 3 Months Ended
Mar. 31, 2013
Mar. 31, 2012
INTEREST INCOME    
Interest and Fees on Loans $ 20,154 $ 22,005
Investment Securities:    
Taxable Securities 590 794
Tax Exempt Securities 114 106
Funds Sold 270 225
Total Interest Income 21,128 23,130
INTEREST EXPENSE    
Deposits 415 643
Short-Term Borrowings 82 8
Subordinated Notes Payable 339 382
Other Long-Term Borrowings 347 436
Total Interest Expense 1,183 1,469
NET INTEREST INCOME 19,945 21,661
Provision for Loan Losses 1,070 4,793
Net Interest Income After Provision for Loan Losses 18,875 16,868
NONINTEREST INCOME    
Service Charges on Deposit Accounts 6,165 6,309
Data Processing Fees 653 675
Asset Management Fees 993 1,015
Retail Brokerage Fees 922 758
Mortgage Banking Fees 1,043 848
Bank Card Fees 2,661 2,771
Other 1,151 1,210
Total Noninterest Income 13,588 13,586
NONINTEREST EXPENSE    
Compensation 16,739 16,843
Occupancy, Net 2,248 2,266
Furniture and Equipment 2,153 2,201
Intangible Amortization 68 108
Other Real Estate 2,901 3,513
Other 7,091 7,666
Total Noninterest Expense 31,200 32,597
INCOME (LOSS) BEFORE INCOME TAXES 1,263 (2,143)
Income Tax Expense (Benefit) 424 (981)
NET INCOME (LOSS) 839 (1,162)
BASIC NET INCOME (LOSS) PER SHARE $ 0.05 $ (0.07)
DILUTED NET INCOME (LOSS) PER SHARE $ 0.05 $ (0.07)
Components of Other Comprehensive Income (Loss):    
Change in Net Unrealized Gain on Available-for-Sale Securities, Net of Tax Expense (Benefit) 6 (246)
Total Other Comprehensive Income (Loss) 6 (246)
TOTAL COMPREHENSIVE INCOME (LOSS) $ 845 $ (1,408)
Average Basic Common Shares Outstanding 17,302 17,181
Average Diluted Common Shares Outstanding 17,309 17,181