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Consolidated Statement of Income & Comprehensive Income (USD $)
In Thousands, except Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Interest Income      
Loans, including fees $ 24,978 $ 26,489 $ 29,840
Debt securities:      
U.S. Treasury and government agency 4,151 4,427 4,457
Municipalities 2,080 2,112 2,107
Dividends 185 199 185
Federal funds sold 11 20 19
Other 23 26 52
Total Income 31,428 33,273 36,660
Interest Expense      
Deposits 4,193 5,574 6,980
Federal funds purchased and securities sold under agreements to repurchase 248 242 293
Borrowed funds 163 434 883
Total interest expense 4,604 6,250 8,156
Net Interest Income - Before provision for loan losses 26,824 27,023 28,504
Provision for Loan Losses (Note 4) 858 738 1,715
Net Interest Income After Provision For Loan Losses 25,966 26,285 26,789
Noninterest Income      
Customer service fees 5,194 5,204 3,313
Other service charges and fees 3,746 3,499 3,385
Net loss on sale of other assets owned (144) (634) (1,169)
Net gain on sale of loans 1,123 2,041 807
Net gain on sale of securities (Note 3) 775 852 504
Total noninterest income 10,694 10,962 6,840
Noninterest Expenses      
Salaries and Wages 9,553 9,039 9,212
Employee benefits (Note 11) 3,219 3,288 2,835
Net occupancy expense 1,251 1,419 1,501
Furniture and equipment 1,349 1,400 1,379
Data processing 1,212 1,119 978
Franchise taxes 953 946 892
FDIC Assessment 535 467 762
Mortgage servicing rights amortization (Note 6) 426 768 498
Other general and administrative 5,559 5,109 4,165
Total other operating expenses 24,057 23,555 22,222
Income Before Income Taxes 12,603 13,692 11,407
Income Taxes (Note 10) 3,596 3,904 2,893
Net Income 9,007 9,788 8,514
Other Comprehensive Income(Loss) (Net of Tax):      
Unrealized gains (losses) on securities (6,087) (288) 5,843
Comprehensive Income $ 2,920 $ 9,500 $ 14,357
Earnings Per Share - Basic and Diluted $ 1.93 $ 2.08 $ 1.82
Weighted Average Shares Outstanding 4,676,547 4,695,876 4,689,021