Consolidated Statements of Income (Loss) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Interest Income
Loans, including fees	$ 4,160	$ 4,598	$ 12,964	$ 14,100
Securities:
Taxable	491	651	1,539	1,980
Tax-exempt	89	102	273	303
Other	23	17	60	149
Total interest income	4,763	5,368	14,836	16,532
Interest Expense
Deposits	636	1,104	2,324	3,573
Short-term borrowings	10	35	68	87
Long-term borrowings	372	410	1,129	1,223
Subordinated debentures	49	45	150	135
Total interest expense	1,067	1,594	3,671	5,018
Net interest income	3,696	3,774	11,165	11,514
Provision for loan losses	750	900	3,680	3,850
Net interest income after provision for loan losses	2,946	2,874	7,485	7,664
Noninterest Income
Service fees	235	226	633	731
Trust service fees	270	270	823	803
Investment product commissions	55	47	131	160
Mortgage banking	104	94	376	327
Loss on sale of investments	0	0	0	(55)
Other	313	278	948	1,303
Total noninterest income	977	915	2,911	3,269
Noninterest Expense
Salaries and employee benefits	1,815	2,133	5,669	6,360
Occupancy	391	432	1,238	1,342
Data processing	161	167	477	501
Foreclosure/OREO expense	119	261	668	432
Legal and professional fees	227	219	668	610
FDIC expense	253	263	767	862
Other	573	709	1,971	2,333
Total noninterest expense	3,539	4,184	11,458	12,440
Income (loss) before income taxes	384	(395)	(1,062)	(1,507)
Income tax (benefit) expense	3	(209)	1,152	(761)
Net income (loss)	381	(186)	(2,214)	(746)
Preferred stock dividends, discount and premium	(163)	(160)	(487)	(482)
Net income (loss) available to common equity	218	(346)	(2,701)	(1,228)
Income (loss) per common share:
Basic and diluted (in Dollars per share)	$ 0.13	$ (0.21)	$ (1.63)	$ (0.74)
Cash dividends declared per common share (in Dollars per share)	$ 0.00	$ 0.00	$ 0.00	$ 0.00
Investment securities available-for-sale:
Net unrealized gains (losses)	(8)	540	64	2,081
Reclassification adjustment for net losses realized in earnings	0	0	0	33
Income tax benefit (expense)	4	(216)	(25)	(882)
Total other comprehensive income (loss) net of tax	(4)	324	39	1,232
Comprehensive income (loss)	$ 377	$ 138	$ (2,175)	$ 486

MID WISCONSIN FINANCIAL SERVICES INC 10-Q