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Consolidated Statements of Income (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended
Mar. 31, 2013
Mar. 31, 2012
INTEREST AND DIVIDEND INCOME:    
Loans including fees $ 12,302 $ 12,255
Deposits with banks 0 2
Securities:    
Taxable 3,409 3,683
Tax-exempt 957 871
Dividends 36 13
Total interest and dividend income 16,704 16,824
INTEREST EXPENSE:    
Deposits 2,234 3,149
Borrowed funds 829 797
Subordinated debentures (includes $97 and $95 accumulated other comprehensive income reclassification for change in fair value of interest rate swap agreements in 2013 and 2012, respectively) 190 201
Total interest expense 3,253 4,147
NET INTEREST INCOME 13,451 12,677
PROVISION FOR LOAN LOSSES 930 1,104
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 12,521 11,573
NON-INTEREST INCOME:    
Wealth and asset management fees 574 387
Service charges on deposit accounts 942 975
Other service charges and fees 430 432
Net realized gains on available-for-sale securities (includes $76 and $566 accumulated other comprehensive income reclassifications for net realized gains on available-for-sale securities in 2013 and 2012, respectively) 76 566
Net realized and unrealized gains on trading securities 303 320
Mortgage banking 255 265
Bank owned life insurance 262 261
Other 229 209
Total non-interest income 3,071 3,415
NON-INTEREST EXPENSES:    
Salaries and benefits 5,197 4,725
Net occupancy expense 1,317 1,149
Data processing 767 725
State and local taxes 439 366
Legal, professional, and examination fees 400 228
Advertising 246 250
FDIC insurance premiums 279 259
Other 1,037 1,312
Total non-interest expenses 9,682 9,014
INCOME BEFORE INCOME TAXES 5,910 5,974
INCOME TAX EXPENSE (includes ($7) and $165 income tax expense from reclassification items in 2013 and 2012, respectively) 1,613 1,627
NET INCOME $ 4,297 $ 4,347
EARNINGS PER SHARE:    
Basic $ 0.34 $ 0.35
Diluted $ 0.34 $ 0.35
DIVIDENDS PER SHARE:    
Cash dividends per share $ 0.165 $ 0.165