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CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (USD $)
In Thousands, except Share data, unless otherwise specified
3 Months Ended 6 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Jun. 30, 2013
Jun. 30, 2012
Interest and Dividend Income        
Loans $ 9,264 $ 10,194 $ 18,318 $ 20,243
Securities:        
U.S. Government agencies and corporations 867 1,281 1,708 2,541
State and political subdivisions 298 291 586 578
Other debt and equity securities 138 69 222 141
Federal funds sold and short-term investments 9 10 16 19
Total interest income 10,576 11,845 20,850 23,522
Interest Expense        
Deposits 1,236 1,527 2,485 3,158
Federal Home Loan Bank advances 157 212 311 427
Short-term borrowings 0 0 1 0
Junior subordinated debentures 174 173 340 349
Total interest expense 1,567 1,912 3,137 3,934
Net Interest Income 9,009 9,933 17,713 19,588
Provision for Loan Losses (Note 6) 1,050 1,667 2,400 3,567
Net interest income after provision for loan losses 7,959 8,266 15,313 16,021
Noninterest Income        
Investment and trust services 440 425 815 815
Deposit service charges 869 929 1,685 1,864
Other service charges and fees 808 804 1,639 1,552
Income from bank owned life insurance 170 169 338 334
Other income 232 58 553 400
Total fees and other income 2,519 2,385 5,030 4,965
Securities gains, net (Note 5) 0 0 178 0
Gains on sale of loans 587 205 1,243 552
Loss on sale of other assets, net (34) (47) (47) (99)
Total noninterest income 3,072 2,543 6,404 5,418
Noninterest Expense        
Salaries and employee benefits 4,224 3,894 9,251 8,005
Furniture and equipment 1,134 1,200 2,083 2,270
Net occupancy 549 554 1,137 1,133
Professional fees 586 564 1,076 1,059
Marketing and public relations 349 395 638 642
Supplies, postage and freight 274 265 581 508
Telecommunications 175 172 337 345
Ohio franchise tax 302 307 610 623
FDIC assessments 238 394 480 786
Other real estate owned 48 175 125 307
Loan and collection expense 374 308 762 657
Other expense 369 819 823 1,256
Total noninterest expense 8,622 9,047 17,903 17,591
Income before income tax expense 2,409 1,762 3,814 3,848
Income tax expense 586 324 878 905
Net Income 1,823 1,438 2,936 2,943
Other comprehensive income (loss), net of taxes:        
Changes in unrealized securities' holding gain (loss) net of taxes (3,000) 357 (3,714) (35)
Minimum pension liability adjustment, net of taxes during the period 0 0 0 0
Less: reclassification adjustments for securities' gains realized in net income, net of taxes 0 0 117 0
Total other comprehensive income (loss), net of taxes (3,000) 357 (3,831) (35)
Comprehensive income (loss) (1,177) 1,795 (895) 2,908
Dividends and accretion on preferred stock 117 318 374 637
Net Income Available to Common Shareholders $ 1,706 $ 1,120 $ 2,562 $ 2,306
Net Income Per Common Share (Note 2)        
Basic (in dollars per share) $ 0.18 $ 0.14 $ 0.29 $ 0.29
Diluted (in dollars per share) $ 0.18 $ 0.14 $ 0.29 $ 0.29
Dividends declared (in dollars per share) $ 0.01 $ 0.01 $ 0.02 $ 0.02
Average Common Shares Outstanding        
Basic (in shares) 9,303,702 7,944,354 8,755,457 7,934,458
Diluted (in shares) 9,319,142 7,950,528 8,769,291 7,938,383