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Consolidated Statements of Income (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 6 Months Ended
Jun. 30, 2014
Jun. 30, 2013
Jun. 30, 2014
Jun. 30, 2013
Interest and dividend income:        
Loans, including fees $ 5,609 $ 5,781 $ 11,064 $ 11,468
Securities:        
Taxable 613 516 1,162 1,057
Tax-exempt 374 377 755 750
Other interest and dividends 22 18 42 41
Total interest and dividend income 6,618 6,692 13,023 13,316
Interest expense:        
Deposits 717 761 1,429 1,541
FHLB advances 174 324 416 654
Other borrowings 155 168 310 325
Senior subordinated notes 37 37 75 109
Junior subordinated debentures 85 85 169 169
Total interest expense 1,168 1,375 2,399 2,798
Net interest income 5,450 5,317 10,624 10,518
Provision for loan losses 140 352 280 675
Net interest income after provision for loan losses 5,310 4,965 10,344 9,843
Noninterest income:        
Service fees 419 387 775 748
Mortgage banking 274 558 590 954
Investment and insurance sales commissions 249 204 493 491
Net gain on sale of securities          12
Increase in cash surrender value of life insurance 100 100 199 198
Other noninterest income 327 274 632 535
Total noninterest income 1,369 1,523 2,689 2,938
Noninterest expense:        
Salaries and employee benefits 2,467 2,280 4,793 4,578
Occupancy and facilities 432 419 907 916
Loss on foreclosed assets 38 144 74 150
Data processing and other office operations 615 477 1,229 954
Advertising and promotion 118 76 175 154
FDIC insurance premiums 144 110 279 211
Other noninterest expenses 852 710 1,498 1,335
Total noninterest expense 4,666 4,216 8,955 8,298
Income before provision for income taxes 2,013 2,272 4,078 4,483
Provision for income taxes 610 711 1,225 1,313
Net income $ 1,403 $ 1,561 $ 2,853 $ 3,170
Basic earnings per share $ 0.85 $ 0.95 $ 1.72 $ 1.92
Diluted earnings per share $ 0.85 $ 0.95 $ 1.72 $ 1.92