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CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Interest and Dividend Income      
Loans $ 39,794,000 $ 42,133,000 $ 42,850,000
Securities:      
U.S. Government agencies and corporations 4,677,000 5,847,000 7,220,000
State and political subdivisions 1,157,000 1,035,000 987,000
Other debt and equity securities 285,000 277,000 269,000
Federal funds sold and interest on deposits in banks 35,000 57,000 46,000
Total interest and dividend income 45,948,000 49,349,000 51,372,000
Interest Expense      
Deposits 5,944,000 8,367,000 10,709,000
Federal Home Loan Bank advances 865,000 1,053,000 1,272,000
Short-term borrowings 1,000 2,000 4,000
Junior subordinated debentures 699,000 686,000 779,000
Total interest expense 7,509,000 10,108,000 12,764,000
Net Interest Income 38,439,000 39,241,000 38,608,000
Provision for Loan Losses (Note 7) 7,242,000 10,353,000 10,225,000
Net interest income after provision for loan losses 31,197,000 28,888,000 28,383,000
Noninterest Income      
Investment and trust services 1,563,000 1,610,000 1,797,000
Deposit service charges 3,811,000 4,079,000 4,247,000
Other service charges and fees 3,082,000 3,246,000 3,208,000
Income from bank owned life insurance 742,000 722,000 709,000
Other income 877,000 330,000 329,000
Total fees and other income 10,075,000 9,987,000 10,290,000
Securities gains, net (Note 5) 189,000 832,000 393,000
Gains on sale of loans 1,575,000 889,000 1,000,000
Gain (Loss) on sale of other assets, net (92,000) (293,000) (116,000)
Gain on extinguishment of debt (Note 12) 0 0 2,210,000
Total noninterest income 11,747,000 11,415,000 13,777,000
Noninterest Expense      
Salaries and employee benefits (Notes 18 & 19) 16,768,000 15,944,000 15,854,000
Furniture and equipment 4,060,000 3,088,000 3,550,000
Net occupancy (Note 8) 2,207,000 2,310,000 2,355,000
Professional fees 2,034,000 1,854,000 2,182,000
Marketing and public relations 1,231,000 1,002,000 1,065,000
Supplies, postage and freight 1,091,000 1,107,000 1,225,000
Telecommunications 731,000 727,000 802,000
Ohio franchise tax 1,232,000 1,298,000 1,113,000
FDIC assessments 1,304,000 1,749,000 2,241,000
Other real estate owned 570,000 1,021,000 597,000
Electronic banking expenses 722,000 899,000 873,000
Loan and collection expense 1,150,000 1,364,000 1,715,000
Other expense 1,803,000 1,781,000 1,997,000
Total noninterest expense 34,903,000 34,144,000 35,569,000
Income before income tax expense 8,041,000 6,159,000 6,591,000
Income tax expense (Note 13) 1,934,000 1,156,000 1,226,000
Net Income 6,107,000 5,003,000 5,365,000
Other comprehensive income (loss), net of taxes:      
Changes in unrealized securities' holding gain (loss) net of taxes (598,000) 1,095,000 (614,000)
Minimum pension liability adjustment, net of taxes during the period (237,000) (346,000) 257,000
Less: reclassification adjustments for securities' gains realized in net income, net of taxes 126,000 555,000 262,000
Total other comprehensive income (loss), net of taxes (961,000) 194,000 (619,000)
Comprehensive income 5,146,000 5,197,000 4,746,000
Dividends and accretion on preferred stock 1,266,000 1,276,000 1,276,000
Net Income Available to Common Shareholders $ 4,841,000 $ 3,727,000 $ 4,089,000
Net Income Per Common Share (Note 2)      
Basic (in dollars per share) $ 0.61 $ 0.47 $ 0.55
Diluted (in dollars per share) $ 0.61 $ 0.47 $ 0.55
Dividends declared (in dollars per share) $ 0.04 $ 0.04 $ 0.04
Average Common Shares Outstanding      
Basic (in shares) 7,939,433 7,880,249 7,511,173
Diluted (in shares) 7,943,918 7,880,249 7,511,173