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Consolidated Statements of Income (USD $)
In Thousands, except Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Interest income:      
Loans, including fees $ 14,868 $ 16,092 $ 17,857
Taxable securities 1,267 1,311 1,240
Tax-exempt securities 583 738 901
Other interest income 16 29 35
Total interest income 16,734 18,170 20,033
Interest expense:      
Deposits 2,871 3,621 4,560
Securities sold under agreements to repurchase 4 4 3
Short-term borrowings 8 1 1
Other interest bearing liabilities 17 22 27
Total interest expense 2,900 3,648 4,591
Net interest income 13,834 14,522 15,442
Provision for loan losses 415 1,411 364
Net interest income after provision for loan losses 13,419 13,111 15,078
Non-interest income:      
Customer service fees 1,290 1,282 1,346
Debit card fee income 822 809 792
Earnings on bank-owned life insurance and annuities 416 450 478
Trust fees 355 379 388
Commissions from sales of non-deposit products 375 353 273
Income from unconsolidated subsidiary 237 249 263
Fees derived from loan activity 165 197 152
Gain on sales of loans 338 567  
(Loss) gain on calls of securities (2) 2 6
Gain from life insurance proceeds   53  
Other non-interest income 237 251 248
Total non-interest income 4,233 4,592 3,946
Non-interest expense:      
Employee compensation expense 5,413 5,190 5,258
Employee benefits 1,615 2,096 1,686
Occupancy 971 929 957
Equipment 462 510 569
Data processing expense 1,450 1,440 1,326
Director compensation 223 234 284
Professional fees 388 362 462
Taxes, other than income 483 438 496
FDIC Insurance premiums 331 327 369
(Gain) loss on sales of other real estate owned (39) 34 (56)
Amortization of intangibles 45 45 45
Amortization of investment in low-income housing partnership 448    
Other non-interest expense 1,356 1,472 1,406
Total non-interest expense 13,146 13,077 12,802
Income before income taxes 4,506 4,626 6,222
Provision for income taxes 505 978 1,542
Net income $ 4,001 $ 3,648 $ 4,680
Earnings per share      
Basic earnings per share $ 0.95 $ 0.86 $ 1.10
Diluted earnings per share $ 0.95 $ 0.86 $ 1.10
Cash dividends declared per share $ 0.88 $ 0.88 $ 0.86
Weighted average basic shares outstanding 4,210,336 4,231,404 4,241,286
Weighted average diluted shares outstanding 4,211,078 4,233,448 4,244,507