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Consolidated Statement of Income (USD $)
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
INTEREST INCOME      
Interest and fees on loans $ 22,418,000 $ 21,854,000 $ 21,084,000
Interest-bearing deposits in other institutions 26,000 14,000 15,000
Federal funds sold 20,000 12,000 52,000
Investment securities:      
Taxable interest 3,209,000 4,862,000 5,185,000
Tax-exempt interest 2,976,000 2,883,000 2,650,000
Dividends on stock 97,000 102,000 108,000
Total interest income 28,746,000 29,727,000 29,094,000
INTEREST EXPENSE      
Deposits 5,728,000 7,467,000 9,504,000
Short-term borrowings 261,000 235,000 249,000
Other borrowings 294,000 400,000 642,000
Trust preferred securities 164,000 550,000 550,000
Total interest expense 6,447,000 8,652,000 10,945,000
NET INTEREST INCOME 22,299,000 21,075,000 18,149,000
Provision for loan losses 2,168,000 3,085,000 3,580,000
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 20,131,000 17,990,000 14,569,000
NONINTEREST INCOME      
Service charges on deposit accounts 1,765,000 1,512,000 1,784,000
Investment securities gains (losses), net 610,000 (173,000) 11,000
Earnings on bank-owned life insurance 279,000 278,000 273,000
Gains on sale of loans 85,000    
Other income 712,000 620,000 555,000
Total noninterest income 3,451,000 2,237,000 2,623,000
NONINTEREST EXPENSE      
Salaries and employee benefits 7,127,000 7,233,000 6,411,000
Occupancy expense 959,000 953,000 946,000
Equipment expense 759,000 556,000 626,000
Data processing costs 772,000 693,000 743,000
Ohio state franchise tax 590,000 461,000 348,000
Federal deposit insurance expense 487,000 966,000 1,166,000
Professional fees 948,000 800,000 678,000
Losses on other real estate owned 258,000 497,000 783,000
Advertising expenses 423,000 439,000 401,000
Other real estate expenses 498,000 194,000 82,000
Other expense 2,818,000 2,709,000 2,579,000
Total noninterest expense 15,639,000 15,501,000 14,763,000
Income before income taxes 7,943,000 4,726,000 2,429,000
Income taxes (benefit) 1,662,000 596,000 (88,000)
NET INCOME $ 6,281,000 $ 4,130,000 $ 2,517,000
EARNINGS PER SHARE      
Basic (in Dollars per share) $ 3.29 $ 2.45 $ 1.60
Diluted (in Dollars per share) $ 3.28 $ 2.45 $ 1.60
DIVIDENDS DECLARED PER SHARE (in Dollars per share) $ 1.04 $ 1.04 $ 1.04