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CONSOLIDATED STATEMENTS OF INCOME (Unaudited) (USD $)
In Thousands, except Share data, unless otherwise specified
3 Months Ended 9 Months Ended
Sep. 30, 2014
Sep. 30, 2013
Sep. 30, 2014
Sep. 30, 2013
Interest income:        
Loans, including fees $ 2,432 $ 2,620 $ 7,412 $ 7,794
Investment securities:        
Taxable 537 530 1,685 1,349
Tax-exempt 332 307 917 968
Interest-bearing deposits 32 25 88 73
Total interest income 3,333 3,482 10,102 10,184
Interest expense:        
Deposits 211 223 634 690
Other borrowings    1    1
Total interest expense 211 224 634 691
Net interest income 3,122 3,258 9,468 9,493
Provision for loan losses    175    450
Net interest income after provision for loan losses 3,122 3,083 9,468 9,043
Noninterest income:        
Service charges on deposits 720 816 2,133 2,385
Gain on sales of securities          244
Other operating income 270 243 847 866
Total noninterest income 990 1,059 2,980 3,495
Noninterest expense:        
Salaries and employee benefits 1,612 1,624 4,804 4,876
Net occupancy and equipment 524 543 1,568 1,587
Amortization of core deposit intangible 118 118 354 354
FDIC insurance 80 135 236 398
Other real estate owned, net 306 139 582 795
Other operating expenses 1,118 1,242 3,481 3,705
Total noninterest expense 3,758 3,801 11,025 11,715
Income before income taxes 354 341 1,423 823
Income tax expense (benefit) (22) 11 158 (50)
Net income 376 330 1,265 873
Preferred dividends 59 59 178 178
Net income available to common shareholders $ 317 $ 271 $ 1,087 $ 695
Net income per common share - basic (in dollars per share) $ 0.15 $ 0.13 $ 0.50 $ 0.32
Net income per common share - diluted (in dollars per share) $ 0.14 $ 0.13 $ 0.50 $ 0.32
Weighted average common outstanding shares - basic (in shares) 2,169 2,155 2,165 2,151
Weighted average common outstanding shares - diluted (in shares) 2,193 2,170 2,189 2,166
Dividends per common share (in dollars per share) $ 0.00 $ 0.00 $ 0.08 $ 0.08