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Consolidated Statements of Income (Unaudited) (USD $)
In Thousands, except Share data, unless otherwise specified
3 Months Ended 6 Months Ended
Jun. 30, 2012
Jun. 30, 2011
Jun. 30, 2012
Jun. 30, 2011
Interest and Dividend Income        
Loans $ 10,194 $ 10,523 $ 20,243 $ 21,039
Securities:        
U.S. Government agencies and corporations 1,281 1,612 2,541 3,089
State and political subdivisions 291 257 578 513
Other debt and equity securities 69 71 141 143
Federal funds sold and interest on deposits in banks 10 9 19 23
Total interest and dividend income 11,845 12,472 23,522 24,807
Interest Expense        
Deposits 1,527 2,204 3,158 4,487
Federal Home Loan Bank advances 212 261 427 527
Short-term borrowings   1   2
Junior subordinated debentures 173 170 349 341
Total interest expense 1,912 2,636 3,934 5,357
Net Interest Income 9,933 9,836 19,588 19,450
Provision for Loan Losses (Note 6) 1,667 3,345 3,567 5,445
Net interest income after provision for loan losses 8,266 6,491 16,021 14,005
Noninterest Income        
Investment and trust services 425 470 815 873
Deposit service charges 929 1,000 1,864 1,916
Other service charges and fees 804 819 1,552 1,725
Income from bank owned life insurance 169 175 334 349
Other income 58 41 400 120
Total fees and other income 2,385 2,505 4,965 4,983
Securities gains, net   88   500
Gains on sale of loans 205 238 552 417
Loss on sale of other assets, net (47) (27) (99) (25)
Total noninterest income 2,543 2,804 5,418 5,875
Noninterest Expense        
Salaries and employee benefits 3,894 4,072 8,005 8,163
Furniture and equipment 877 798 1,709 1,478
Net occupancy 554 588 1,133 1,200
Professional fees 564 445 1,059 931
Marketing and public relations 395 275 642 546
Supplies, postage and freight 265 289 508 561
Telecommunications 172 169 345 384
Ohio franchise tax 307 298 623 596
FDIC assessments 394 399 786 973
Other real estate owned 175 207 307 797
Electronic banking expenses 323 223 561 432
Loan and collection expense 308 310 657 752
Other expense 819 449 1,256 898
Total noninterest expense 9,047 8,522 17,591 17,711
Income before income tax expense 1,762 773 3,848 2,169
Income tax expense 324 61 905 327
Net Income 1,438 712 2,943 1,842
Other comprehensive income (loss), net of taxes:        
Changes in unrealized securities' holding gain (loss) net of taxes 357 751 (35) 1,221
Minimum pension liability adjustment, net of taxes during the period            
Less: reclassification adjustments for securities' gains realized in net income, net of taxes   59   333
Total other comprehensive loss, net of taxes 357 692 (35) 888
Comprehensive income 1,795 2,730 2,908 2,730
Dividends and accretion on preferred stock 318 318 637 637
Net Income Available to Common Shareholders $ 1,120 $ 394 $ 2,306 $ 1,205
Net Income Per Common Share (Note 2)        
Basic $ 0.14 $ 0.05 $ 0.29 $ 0.15
Diluted $ 0.14 $ 0.05 $ 0.29 $ 0.15
Dividends declared $ 0.01 $ 0.01 $ 0.02 $ 0.02
Average Common Shares Outstanding        
Basic 7,944,354 7,884,749 7,934,458 7,878,119
Diluted 7,950,528 7,884,934 7,938,383 7,878,224