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Consolidated Statements of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
INTEREST INCOME      
Loans receivable, including fees $ 24,576 $ 25,494 $ 23,289
Securities: Taxable 1,662 1,950 2,527
Securities: Tax exempt 1,995 1,938 1,901
Other 26 32 53
Total interest income 28,259 29,414 27,770
INTEREST EXPENSE      
Deposits 2,848 3,660 3,851
Short-term borrowings 66 53 92
Other borrowings 684 937 1,239
Total Interest Expense 3,598 4,650 5,182
Net Interest Income 24,661 24,764 22,588
PROVISION FOR LOAN LOSSES 2,400 2,450 1,575
Net Interest Income after Provision for Loan Losses 22,261 22,314 21,013
OTHER INCOME      
Service charges and fees 2,412 2,237 2,255
Income from fiduciary activities 379 355 409
Net realized gains on sales of securities 881 1,419 973
Net gain on sale of loans and servicing rights 112 211 271
Earnings and proceeds on life insurance policies 1,386 539 463
Other 445 445 364
Total Other Income 5,615 5,206 4,735
OTHER EXPENSES      
Salaries and employee benefits 8,447 8,403 7,848
Occupancy 1,598 1,539 1,402
Furniture and equipment 538 456 435
Data processing related operations 891 897 855
Federal Deposit Insurance Corporation insurance assessment 444 398 393
Advertising 208 222 205
Professional fees 626 811 1,283
Postage and telephone 435 424 510
Taxes, other than income 710 599 535
Foreclosed real estate 567 217 578
Amortization of intangible assets 137 153 108
Other 2,104 1,962 1,661
Total other expenses 16,705 16,081 15,813
Income before Income Taxes 11,171 11,439 9,935
INCOME TAX EXPENSE 2,706 3,036 2,579
Net Income $ 8,465 $ 8,403 $ 7,356
EARNINGS PER SHARE      
BASIC EARNINGS PER SHARE $ 2.33 $ 2.33 $ 2.17
DILUTED EARNINGS PER SHARE $ 2.33 $ 2.33 $ 2.17