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CONSOLIDATED STATEMENT OF INCOME - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2016
Sep. 30, 2015
Sep. 30, 2016
Sep. 30, 2015
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Interest and fees on loans $ 6,459 $ 5,971 $ 18,949 $ 17,656 $ 23,824 $ 22,726 $ 22,496
Interest-bearing deposits in other institutions 15 6 42 26 33 24 30
Federal funds sold 7 4 16 12 13 14 15
Taxable interest 235 341 865 1,115 1,467 1,896 2,514
Tax-exempt interest 687 809 2,227 2,373 3,160 3,127 3,044
Dividends on stock 17 20 74 70 98 87 79
Total interest and dividend income 7,420 7,151 22,173 21,252 28,595 27,874 28,178
Deposits 921 876 2,665 2,581 3,426 3,633 4,709
Short-term borrowings 49 30 288 100 194 148 178
Federal funds purchased             7
Other borrowings 14 20 47 66 83 118 166
Trust preferred securities 42 33 117 85 117 171 190
Total interest expense 1,026 959 3,117 2,832 3,820 4,070 5,250
Net interest income 6,394 6,192 19,056 18,420 24,775 23,804 22,928
Provision for loan losses 105 105 315 210 315 370 196
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 6,289 6,087 18,741 18,210 24,460 23,434 22,732
Service charges on deposit accounts 505 471 1,443 1,382 1,874 1,876 1,956
Investment securities gains, net   211 303 257 323 248 11
Earnings on bank-owned life insurance 101 101 297 262 624 276 280
Gain on sale of loans 129 113 322 286 329 237  
Other income 242 212 694 679 894 951 898
Total noninterest income 977 1,108 3,059 2,866 4,044 3,588 3,145
Salaries and employee benefits 2,677 2,285 7,740 7,205 9,751 8,817 7,913
Occupancy expense 306 305 933 945 1,253 1,108 1,231
Equipment expense 221 249 700 706 944 963 950
Data processing costs 334 287 928 798 1,071 917 854
Ohio state franchise tax 186 75 448 225 300 342 618
Federal deposit insurance expense 132 120 396 352 472 449 516
Professional fees 547 229 1,057 825 1,247 1,086 1,174
Loss (gain) on other real estate owned (49) 24 (52) 72 (48) 183 18
Advertising expense 206 195 604 586 721 488 445
Other real estate expense 97 116 299 449 611 387 410
Directors fees 102 98 330 343 451 403 403
Appraiser fees 114 97 334 327      
ATM fees 102 89 296 295      
Other expense 677 490 1,872 1,539 3,264 2,667 2,298
Total noninterest expense 5,662 4,669 15,915 14,697 20,077 17,850 16,870
Income before income taxes 1,604 2,526 5,885 6,379 8,427 9,172 9,007
Income taxes 261 544 1,129 1,264 1,562 1,992 1,979
NET INCOME $ 1,343 $ 1,982 $ 4,756 $ 5,115 $ 6,865 $ 7,180 $ 7,028
EARNINGS PER SHARE              
Basic (in Dollars per share) $ 0.60 $ 0.96 $ 2.31 $ 2.49 $ 3.41 $ 3.52 $ 3.48
Diluted (in dollars per share) $ 0.60 $ 0.96 $ 2.31 $ 2.47 3.39 3.50 3.47
DIVIDENDS DECLARED PER SHARE (in Dollars per share)         $ 1.07 $ 1.04 $ 1.04
Core Deposits [Member]              
Core deposit intangible amortization $ 10 $ 10 $ 30 $ 30 $ 40 $ 40 $ 40