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Consolidated Statement of Income (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended
Mar. 31, 2013
Mar. 31, 2012
INTEREST INCOME    
Interest and fees on loans $ 5,572 $ 5,537
Interest-bearing deposits in other institutions 8 4
Federal funds sold 4 3
Investment securities:    
Taxable interest 674 915
Tax-exempt interest 733 747
Dividends on stock 23 26
Total interest income 7,014 7,232
INTEREST EXPENSE    
Deposits 1,297 1,497
Short term borrowings 52 59
Other borrowings 46 84
Trust preferred debt 34 46
Total interest expense 1,429 1,686
NET INTEREST INCOME 5,585 5,546
Provision for loan losses 313 600
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 5,272 4,946
NONINTEREST INCOME    
Service charges on deposit accounts 447 431
Investment securities gains, net 185  
Earnings on bank-owned life insurance 68 68
Gain on sale of loans   85
Other income 168 210
Total noninterest income 868 794
NONINTEREST EXPENSE    
Salaries and employee benefits 1,871 1,750
Occupancy expense 274 248
Equipment expense 189 170
Data processing costs 213 199
Ohio state franchise tax 154 129
Federal deposit insurance expense 154 243
Professional fees 276 214
Loss on sale of other real estate owned 8 18
Advertising expense 112 20
Other real estate expense 106 10
Other expense 644 781
Total noninterest expense 4,001 3,782
Income before income taxes 2,139 1,958
Income taxes 482 435
NET INCOME $ 1,657 $ 1,523
EARNINGS PER SHARE    
Basic (in Dollars per share) $ 0.83 $ 0.86
Diluted (in Dollars per share) $ 0.82 $ 0.86
DIVIDENDS DECLARED PER SHARE (in Dollars per share) $ 0.26 $ 0.26