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Consolidated Statement of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2016
Mar. 31, 2015
INTEREST INCOME    
Interest and fees on loans $ 6,173 $ 5,843
Interest-bearing deposits in other institutions 12 8
Federal funds sold 4 3
Investment securities:    
Taxable interest 340 395
Tax-exempt interest 790 759
Dividends on stock 29 27
Total interest income 7,348 7,035
INTEREST EXPENSE    
Deposits 855 831
Short-term borrowings 120 37
Other borrowings 17 23
Trust preferred securities 33 (8)
Total interest expense 1,025 883
NET INTEREST INCOME 6,323 6,152
Provision for loan losses 105 105
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 6,218 6,047
NONINTEREST INCOME    
Service charges on deposit accounts 447 441
Investment securities gains, net 51 24
Earnings on bank-owned life insurance 99 69
Gain on sale of loans 87 53
Other income 225 209
Total noninterest income 909 796
NONINTEREST EXPENSE    
Salaries and employee benefits 2,780 2,360
Occupancy expense 335 349
Equipment expense 269 216
Data processing costs 272 250
Ohio state franchise tax 100 75
Federal deposit insurance expense 132 112
Professional fees 292 319
Loss on other real estate owned 12 88
Advertising expense 195 196
Other real estate expense 46 65
Directors fees 107 118
Appraiser fees 101 56
ATM fees 96 84
Other expense 591 513
Total noninterest expense 5,338 4,811
Income before income taxes 1,789 2,032
Income taxes 302 404
NET INCOME $ 1,487 $ 1,628
EARNINGS PER SHARE    
Basic (in Dollars per share) $ 0.79 $ 0.79
Diluted (in Dollars per share) 0.79 0.79
DIVIDENDS DECLARED PER SHARE (in Dollars per share) $ 0.27 $ 0.26
Core Deposits [Member]    
NONINTEREST EXPENSE    
Core deposit intangible amortization $ 10 $ 10