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Consolidated Statements of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
INTEREST AND DIVIDEND INCOME      
Loans, including fees $ 18,548 $ 18,290 $ 17,963
Taxable securities 2,790 2,857 2,572
Nontaxable securities 563 466 513
Other 96 43 90
Total interest and dividend income 21,997 21,656 21,138
INTEREST EXPENSE      
Deposits 1,081 1,166 1,720
Short-term borrowings 71 77 67
Other borrowings 415 486 468
Total interest expense 1,567 1,729 2,255
NET INTEREST INCOME 20,430 19,927 18,883
PROVISION FOR LOAN LOSSES 389 643 840
Net interest income, after provision for loan losses 20,041 19,284 18,043
NONINTEREST INCOME      
Service charges on deposit accounts 1,203 1,269 1,349
Trust services 860 811 826
Debit card interchange fees 988 910 779
Securities gains 56 133 159
Gain on sale of loans, net 363 198 347
Earnings on bank-owned life insurance 270 264 253
Other income 684 665 605
Total noninterest income 4,424 4,250 4,318
NONINTEREST EXPENSES      
Salaries and employee benefits 8,819 8,321 8,261
Occupancy expense 1,027 1,014 1,026
Equipment expense 663 715 719
Professional and director fees 830 725 628
Financial institutions and franchise tax 400 361 581
Marketing and public relations 419 378 395
Software expense 801 727 530
Debit card expense 413 421 291
Amortization of intangible assets 125 130 135
FDIC insurance expense 357 358 359
Net cost of operation of other real estate     9
Other expenses 1,942 1,932 1,914
Total noninterest expenses 15,796 15,082 14,848
Income before income taxes 8,669 8,452 7,513
FEDERAL INCOME TAX PROVISION 2,647 2,568 2,273
NET INCOME $ 6,022 $ 5,884 $ 5,240
NET INCOME PER SHARE      
Basic $ 2.20 $ 2.15 $ 1.91
Diluted $ 2.20 $ 2.15 $ 1.91