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Consolidated Statements Of Income (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 9 Months Ended
Sep. 30, 2013
Sep. 30, 2012
Sep. 30, 2013
Sep. 30, 2012
Interest and dividend income:        
Loans, including fees $ 4,057 $ 3,974 $ 12,298 $ 11,962
Debt securities:        
Taxable 399 439 1,181 1,386
Tax-exempt 189 190 569 535
Dividends 29 38 89 97
Interest earning time deposits 5 6 16 18
Federal funds sold and interest earning deposits 2 1 5 3
Total interest income 4,681 4,648 14,158 14,001
Interest expense:        
Interest on deposits 605 714 1,894 2,211
Interest on short-term borrowings 23 6 40 14
Interest on long-term borrowings 151 243 575 750
Total interest expense 779 963 2,509 2,975
Net interest income 3,902 3,685 11,649 11,026
Provision for loan losses 216 275 816 650
Net interest income after provision for loan losses 3,686 3,410 10,833 10,376
Noninterest income:        
Service charges on deposit accounts 313 285 856 838
Earnings and gain on bank owned life insurance 60 46 172 235
Loan servicing fees 30 51 112 159
Net gains on sales and redemptions of investment securities 17 18 116 179
Net gains on sales of loans and foreclosed real estate 36 6 487 31
Debit card interchange fees 114 105 341 308
Other charges, commissions & fees 134 150 400 423
Total noninterest income 704 661 2,484 2,173
Noninterest expense:        
Salaries and employee benefits 2,033 1,733 5,884 5,576
Building occupancy 382 348 1,109 1,077
Data processing 356 390 1,067 1,072
Professional and other services 178 174 502 473
Advertising 146 108 393 268
FDIC assessments 123 78 291 233
Audits and exams 61 73 184 184
Other expenses 388 274 1,343 1,106
Total noninterest expenses 3,667 3,178 10,773 9,989
Income before income taxes 723 893 2,544 2,560
Provision for income taxes 195 223 688 641
Net income 528 670 1,856 1,919
Preferred stock dividends 0 113 0 367
Net income available to common shareholders $ 528 $ 557 $ 1,856 $ 1,552
Earnings per common share - basic (in dollars per share) $ 0.21 $ 0.22 $ 0.74 $ 0.62
Earnings per common share - diluted (in dollars per share) $ 0.20 $ 0.22 $ 0.73 $ 0.62
Dividends per common share (in dollars per share) $ 0.03 $ 0.03 $ 0.09 $ 0.09