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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
Interest Income:        
Loans, including fees $ 6,728 $ 6,187 $ 19,641 $ 17,602
Investment securities – AFS – taxable 175 227 555 688
Interest on deposits in FRB 55 63 138 210
Interest on deposits in other banks 1 2 5 5
Total interest income 6,959 6,479 20,339 18,505
Interest Expense:        
Interest on deposits 268 291 780 812
Interest on other borrowings 58 59 175 183
Total interest expense 326 350 955 995
Net Interest Income 6,633 6,129 19,384 17,510
(Recovery of Provision) Provision for Credit Losses (23) 39 434 (101)
Net Interest Income after (Recovery of Provision) Provision for Credit Losses 6,656 6,090 18,950 17,611
Noninterest Income:        
Customer service fees 963 957 2,661 2,639
Increase in cash surrender value of bank-owned life insurance 130 129 389 384
Gain (loss) on fair value of financial liability 148 95 346 (34)
Gain on redemption of JR subordinated debentures 78 0 78 0
(Loss) gain on sale of investment in limited partnership (23) 0 (23) 691
Gain on sale of premises and equipment 0 0 0 25
Other 153 130 463 428
Total noninterest income 1,449 1,311 3,914 4,133
Noninterest Expense:        
Salaries and employee benefits 2,341 2,303 7,044 7,108
Occupancy expense 1,047 966 3,021 2,795
Data processing 29 32 90 101
Professional fees 277 452 877 959
Regulatory assessments 234 228 705 700
Director fees 78 59 202 176
Amortization of intangibles 0 0 0 62
Correspondent bank service charges 19 30 56 89
(Gain) Loss on California tax credit partnership (1) (62) 60 (15)
Net cost on operation of OREO 401 116 594 480
Other 589 493 1,755 1,700
Total noninterest expense 5,014 4,617 14,404 14,155
Income Before Provision for Taxes 3,091 2,784 8,460 7,589
Provision for Taxes on Income 1,205 1,081 3,283 2,930
Net Income $ 1,886 $ 1,703 $ 5,177 $ 4,659
Net Income per common share        
Basic (in dollars per share) $ 0.12 $ 0.11 $ 0.33 $ 0.29
Diluted (in dollars per share) $ 0.12 $ 0.11 $ 0.33 $ 0.29
Shares on which net income per common shares were based        
Basic (in shares) 15,892,488 15,881,387 15,892,488 15,867,346
Diluted (in shares) 15,894,532 15,886,397 15,894,444 15,874,192