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Consolidated Statement of Income (USD $)
12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
INTEREST INCOME      
Interest and fees on loans $ 22,496,000 $ 22,418,000 $ 21,854,000
Interest-bearing deposits in other institutions 30,000 26,000 14,000
Federal funds sold 15,000 20,000 12,000
Investment securities:      
Taxable interest 2,514,000 3,209,000 4,862,000
Tax-exempt interest 3,044,000 2,976,000 2,883,000
Dividends on stock 79,000 97,000 102,000
Total interest income 28,178,000 28,746,000 29,727,000
INTEREST EXPENSE      
Deposits 4,709,000 5,728,000 7,467,000
Short-term borrowings 178,000 261,000 235,000
Federal funds purchased 7,000    
Other borrowings 166,000 294,000 400,000
Trust preferred securities 190,000 164,000 550,000
Total interest expense 5,250,000 6,447,000 8,652,000
NET INTEREST INCOME 22,928,000 22,299,000 21,075,000
Provision for loan losses 196,000 2,168,000 3,085,000
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 22,732,000 20,131,000 17,990,000
NONINTEREST INCOME      
Service charges on deposit accounts 1,956,000 1,765,000 1,512,000
Investment securities gains (losses), net 11,000 610,000 (173,000)
Earnings on bank-owned life insurance 280,000 279,000 278,000
Gains on sale of loans   85,000  
Other income 898,000 712,000 620,000
Total noninterest income 3,145,000 3,451,000 2,237,000
NONINTEREST EXPENSE      
Salaries and employee benefits 7,913,000 7,127,000 7,233,000
Occupancy expense 1,231,000 959,000 953,000
Equipment expense 950,000 759,000 556,000
Data processing costs 854,000 772,000 693,000
Ohio state franchise tax 618,000 590,000 461,000
Federal deposit insurance expense 516,000 487,000 966,000
Professional fees 1,174,000 948,000 800,000
Losses on other real estate owned 18,000 258,000 497,000
Advertising expenses 445,000 423,000 439,000
Other real estate expenses 410,000 498,000 194,000
Directors fees 403,000 386,000 315,000
Other expense 2,338,000 2,432,000 2,394,000
Total noninterest expense 16,870,000 15,639,000 15,501,000
Income before income taxes 9,007,000 7,943,000 4,726,000
Income taxes 1,979,000 1,662,000 596,000
NET INCOME $ 7,028,000 $ 6,281,000 $ 4,130,000
EARNINGS PER SHARE      
Basic (in Dollars per share) $ 3.48 $ 3.29 $ 2.45
Diluted (in Dollars per share) $ 3.47 $ 3.28 $ 2.45
DIVIDENDS DECLARED PER SHARE (in Dollars per share) $ 1.04 $ 1.04 $ 1.04