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Consolidated Statements Of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 9 Months Ended
Sep. 30, 2014
Sep. 30, 2013
Sep. 30, 2014
Sep. 30, 2013
Interest and Dividend Income        
Interest and fees on loans $ 5,397 $ 5,446 $ 16,317 $ 16,120
Interest and dividends on securities available for sale:        
Taxable interest income 458 500 1,447 1,565
Interest income exempt from federal income taxes 270 307 834 945
Dividends 126 38 197 147
Interest on deposits in banks 2 3 4 18
Total interest and dividend income 6,253 6,294 18,799 18,795
Interest Expense        
Interest on deposits 241 269 730 883
Interest on federal funds purchased and securities sold under agreements to repurchase 0 2 20 31
Interest on Federal Home Loan Bank advances 159 276 476 819
Interest on trust preferred capital notes 33 34 98 101
Interest on interest rate swap 47 46 139 136
Total interest expense 480 627 1,463 1,970
Net interest income 5,773 5,667 17,336 16,825
Provision For Loan Losses 0 0 0 767
Net interest income after provision for loan losses 5,773 5,667 17,336 16,058
Noninterest Income        
Income from fiduciary activities 212 296 873 929
Service charges on deposit accounts 332 377 984 1,086
Other service charges and fees 827 874 2,307 3,117
Gain on sale of securities 87 0 93 400
Reclassification from Accumulated Other Comprehensive Income, Current Period, before Tax 87 0 93 400
Other operating income 15 34 127 450
Total noninterest income 1,473 1,581 4,384 5,982
Noninterest Expenses        
Salaries and employee benefits 3,017 2,926 8,768 8,477
Occupancy expenses 319 336 963 936
Equipment expenses 197 151 546 497
Advertising and marketing expenses 159 150 417 421
Stationery and supplies 74 57 238 203
ATM network fees 174 157 532 457
Other real estate owned expense 4 2 14 30
Gains (Losses) on Sales of Other Real Estate (14) (111) 3 (58)
FDIC assessment 94 92 261 285
Computer software expense 252 185 664 504
Bank franchise tax 123 103 342 305
Professional fees 290 265 761 790
Other operating expenses 616 637 1,639 1,744
Total noninterest expenses 5,333 5,172 15,142 14,707
Income before income taxes 1,913 2,076 6,578 7,333
Income Tax Expense 528 571 1,872 2,024
Net income $ 1,385 $ 1,505 $ 4,706 $ 5,309
Earnings Per Share        
Net income per common share, basic $ 0.40 $ 0.44 $ 1.37 $ 1.57
Net income per common share, diluted $ 0.40 $ 0.44 $ 1.37 $ 1.56