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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Sep. 30, 2016
Sep. 30, 2015
Interest Income        
Loans, Including Fees $ 9,810 $ 9,981 $ 29,135 $ 29,563
Federal Funds Sold   15
Deposits with Other Banks 18 17 79 58
U.S. Government Agencies 1,266 1,060 3,978 3,108
State, County and Municipal 30 28 97 78
Dividends on Other Investments 32 31 97 91
11,156 11,117 33,386 32,913
Interest Expense        
Deposits 1,187 1,210 3,580 3,648
Borrowed Money 413 410 1,269 1,319
1,600 1,620 4,849 4,967
Net Interest Income 9,556 9,497 28,537 27,946
Provision for Loan Losses 354 250 1,062 741
Net Interest Income After Provision for Loan Losses 9,202 9,247 27,475 27,205
Noninterest Income        
Service Charges on Deposits 1,128 1,133 3,185 3,184
Other Service Charges, Commissions and Fees 686 661 2,104 1,963
Mortgage Fee Income 254 138 507 385
Securities Gains (Losses) 256 9 385 12
Other 313 292 980 1,259
2,637 2,233 7,161 6,803
Noninterest Expenses        
Salaries and Employee Benefits 4,726 4,395 13,825 13,270
Occupancy and Equipment 1,025 1,026 2,967 3,036
Other 2,903 2,914 8,451 8,635
8,654 8,335 25,243 24,941
Income Before Income Taxes 3,185 3,145 9,393 9,067
Income Taxes 927 945 2,907 2,799
Net Income 2,258 2,200 6,486 6,268
Preferred Stock Dividends 378 594 1,189 1,854
Net Income Available to Common Stockholders $ 1,880 $ 1,606 $ 5,297 $ 4,414
Net Income Per Share of Common Stock        
Basic (in dollars per share) $ 0.22 $ 0.19 $ 0.63 $ 0.52
Diluted (in dollars per share) 0.22 0.19 0.62 0.52
Cash Dividends Declared Per Share of Common Stock (in dollars per share)
Weighted Average Basic Shares Outstanding (in shares) 8,439,258 8,439,258 8,439,258 8,439,258
Weighted Average Diluted Shares Outstanding (in shares) 8,506,268 8,466,285 8,495,752 8,449,057