Income Taxes (Tables)

12 Months Ended

Dec. 31, 2013

Income Taxes [Abstract]

Components Of Income Tax Expense

(Dollars in thousands)	2013		2012
Current:
Federal	$	(1,117)	$	(22)
State		115		22
		(1,002)		-
Deferred:
Federal		1,000		(375)
State		135		46
		1,135		(329)
	$	133	$	(329)

Schedule Of Effective Income Tax Rate Reconciliation

(Dollars in thousands)	2013				2012
Federal income tax at statutory rate	$	531	34	%	$	138	34	%
Tax exempt interest		(357)	(23)			(398)	(98)
State income tax, net of federal income tax effect		76	5			45	11
Bank owned life insurance		(120)	(8)			(134)	(33)
Other		3	0			20	5
	$	133	8	%	$	(329)	(81)	%

Components Of Net Deferred Tax Asset

(Dollars in thousands)	2013		2012
Deferred tax assets:
Allowance for loan losses	$	2,165	$	1,987
Deferred compensation		594		584
Foreclosed real estate		299		565
AMT credit		-		532
Intangible assets		28		34
Restricted stock		143		142
Other-than-temporary impairment		118		96
Unrealized loss on securities available for sale		1,434		-
Other		266		254
Total deferred tax assets		5,047		4,194
Deferred tax liabilities:
Depreciation		(804)		(260)
Prepaid expenses		(161)		(151)
Unrealized gain on securities, available for sale		-		(237)
Total deferred tax liabilities		(965)		(648)
Net deferred tax asset	$	4,082	$	3,546