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CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME (USD $)
In Thousands, except Share data, unless otherwise specified
3 Months Ended
Mar. 31, 2014
Mar. 31, 2013
Interest and Dividend Income    
Loans $ 8,928 $ 9,054
Securities:    
U.S. Government agencies and corporations 1,028 841
State and political subdivisions 303 289
Other debt and equity securities 117 70
Federal funds sold and short-term investments 17 20
Total interest income 10,393 10,274
Interest Expense    
Deposits 1,082 1,249
Federal Home Loan Bank advances 155 154
Short-term borrowings 26 1
Junior subordinated debentures 169 166
Total interest expense 1,432 1,570
Net Interest Income 8,961 8,704
Provision for Loan Losses (Note 6) 900 1,350
Net interest income after provision for loan losses 8,061 7,354
Noninterest Income    
Investment and trust services 400 375
Deposit service charges 770 816
Other service charges and fees 753 831
Income from bank owned life insurance 169 168
Other income (loss) 151 321
Total fees and other income 2,243 2,511
Securities gains, net (Note 5) 0 178
Gains on sale of loans 703 656
Loss on sale of other assets, net (34) (13)
Total noninterest income 2,912 3,332
Noninterest Expense    
Salaries and employee benefits 4,595 5,027
Furniture and equipment 1,148 949
Net occupancy 613 588
Professional fees 494 490
Marketing and public relations 400 289
Supplies, postage and freight 214 307
Telecommunications 151 162
Intangible asset amortization 33 33
Ohio franchise tax 224 308
FDIC assessments 272 242
Other real estate owned 24 77
Loan and collection expense 298 388
Other expense 393 421
Total noninterest expense 8,859 9,281
Income before income tax expense 2,114 1,405
Income tax expense 508 292
Net Income 1,606 1,113
Other comprehensive income (loss), net of taxes:    
Changes in unrealized securities' holding gain (loss) net of taxes 1,871 (714)
Less: reclassification adjustments for securities' gains realized in net income, 0 117
Total other comprehensive income (loss), net of taxes 1,871 (831)
Comprehensive income (loss) 3,477 282
Net Income 1,606 1,113
Dividends and accretion on preferred stock 35 257
Net Income Available to Common Shareholders $ 1,571 $ 856
Net Income Per Common Share (Note 2)    
Basic (in dollars per share) $ 0.16 $ 0.10
Diluted (in dollars per share) $ 0.16 $ 0.10
Dividends declared (in dollars per share) $ 0.01 $ 0.01
Average Common Shares Outstanding    
Basic (in shares) 9,668,297 8,201,120
Diluted (in shares) 9,705,432 8,212,038