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Federal Income Taxes (Tables)

12 Months Ended

Dec. 31, 2012

Federal Income Taxes [Abstract]

Components of income tax expense (benefit)

		(In Thousands)
		2012				2011				2010
Current:
Federal		$	4,030			$	3,058			$	2,172
Deferred:
Federal			(126	)			(165	)			210
		$	3,904			$	2,893			$	2,382

Reconciliation of the statutory federal income tax rate to the effective tax rate

		(In Thousands)
		2012				2011				2010
Income tax at statutory rates		$	4,655			$	3,878			$	3,183
Increase(decrease) resulting from:
Tax exempt interest			(677	)			(689	)			(744	)
Change in prior estimates and other			(74	)			(296	)			(57	)
		$	3,904			$	2,893			$	2,382

Components of Deferred tax assets and liabilities

		(In Thousands)
		2012				2011
Deferred Tax Assets:
Allowance for loan losses		$	1,776			$	1,731
Other			766				860
Total deferred tax assets			2,542				2,591
Deferred Tax Liabilities:
Accreted discounts on bonds			55				62
FHLB stock dividends			859				859
Mortgage servicing rights			701				704
Other			1,094				1,007
Net unrealized gain on available-for-sale securities			3,139				3,287
Total deferred tax liabilities			5,848				5,919
Net Deferred Tax Liability		$	(3,306	)		$	(3,328	)

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Tabular disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforwards, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 9

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Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 12

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Tabular disclosure of deferred tax liabilities not recognized because of the exceptions to comprehensive recognition of deferred taxes, including a description of the temporary differences, events that would cause the temporary differences to become taxable, the cumulative amounts of the temporary differences and the amounts not recognized as deferred tax liabilities or a statement that the determination of the deferred tax liabilities is not practicable.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 30

-Section 50

-Paragraph 2

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-Name Accounting Standards Codification

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Reference 3: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Statement of Financial Accounting Standard (FAS)

-Number 109

-Paragraph 44

-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

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