Premises and Equipment

12 Months Ended

Dec. 31, 2012

Property, Plant and Equipment [Abstract]

Property, Plant and Equipment Disclosure [Text Block]

Note 5
Premises and Equipment

A summary of premises and equipment is as follows:

	December 31,
(In thousands)	2012		2011
Land	$	873	$	873
Buildings		10,564		10,491
Leasehold improvements		1,211		836
Furniture, fixtures and equipment		10,784		10,072
Purchased software		7,277		5,894
Internally developed software		2,650		2,650
	$	33,359	$	30,816
Less accumulated depreciation		22,624		21,229
Total	$	10,735	$	9,587

Total depreciation charged to expense in 2012, 2011 and 2010 amounted to $1,951,000, $1,955,000 and $2,024,000, respectively.

The Company and its subsidiaries lease various premises and equipment under operating lease agreements, which expire at various dates through 2022. Rental expense for 2012, 2011 and 2010 was $547,000, $598,000 and $767,000, respectively. The following is a schedule, by year, of future minimum rental payments required under operating leases that have initial or remaining non-cancelable lease terms in excess of one year as of December 31, 2012:

(In thousands)	Amount
2013		1,155
2014		1,068
2015		961
2016		831
2017		805
2018-2022		3,291
Total	$	8,111