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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 and Dividend Income      
Interest and fees on loans $ 21,530 $ 22,589 $ 23,029
Interest and dividends on securities available for sale:      
Taxable interest income 2,055 2,187 2,695
Interest income exempt from federal income taxes 1,241 1,383 1,397
Dividends 187 384 413
Interest on deposits in banks 23 23 37
Total interest and dividend income 25,036 26,566 27,571
Interest Expense      
Interest on deposits 1,142 1,586 2,439
Interest on federal funds purchased and securities sold under agreements to repurchase 31 360 364
Interest on Federal Home Loan Bank advances 1,094 1,120 1,685
Interest on trust preferred capital notes 135 148 137
Interest on interest rate swap 183 170 180
Total interest expense 2,585 3,384 4,805
Net interest income 22,451 23,182 22,766
Provision For Loan Losses 0 1,660 3,750
Net interest income after provision for loan losses 22,451 21,522 19,016
Noninterest Income      
Income from fiduciary activities 1,186 963 907
Service charges on deposit accounts 1,453 1,509 1,586
Other service charges and fees 3,864 3,404 3,190
(Loss) gain on sale of bank premises and equipment (1) 0 76
Gain on sale of securities 465 45 67
Other operating income 495 206 94
Total noninterest income 7,462 6,127 5,920
Noninterest Expenses      
Salaries and employee benefits 11,451 10,634 10,609
Occupancy expenses 1,291 1,147 1,155
Equipment expenses 666 665 676
Advertising and marketing expenses 548 470 500
Stationery and supplies 274 289 292
ATM network fees 616 528 546
Other real estate owned expense 40 362 159
Loss (gain) on the sale of other real estate owned 140 (13) 335
FDIC assessment 375 292 712
Computer software expense 664 463 507
Bank franchise tax 407 383 376
Professional fees 1,013 1,072 1,111
Other bank service charges 695 79 87
Other operating expenses 2,187 2,169 2,178
Total noninterest expenses 20,367 18,540 19,243
Income before income taxes 9,546 9,109 5,693
Income Tax Expense 2,388 2,559 1,371
Net income $ 7,158 $ 6,550 $ 4,322
Earnings Per Share      
Net income per common share, basic (in US dollars per share) $ 2.11 $ 1.97 $ 1.31
Net income per common share, diluted (in US dollars per share) $ 2.10 $ 1.96 $ 1.31