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Income Taxes (Tables)

12 Months Ended

Dec. 31, 2013

Income Taxes [Abstract]

Schedule of provision for income taxes include components

($ in thousands)		For The Year Ended December
		2013				2012
Taxes currently payable		$	512			$	71
Deferred provision			1,731				1,858
Income tax expense		$	2,243			$	1,929

Schedule of reconciliation of income tax expense

		For The Year Ended December
($ in thousands)		2013				2012
Computed at the statutory rate (34%)		$	2,532			$	2,293
Increase (decrease) resulting from
Tax exempt interest			(247	)			(233	)
BOLI Income			(112	)			(120	)
Other			70				(11	)
Actual tax expense		$	2,243			$	1,929

Schedule of deferred tax

	At December 31,
($ in thousands)		2013				2012
Deferred tax assets
Allowance for loan losses		$	2,368			$	2,316
OREO Writedowns/Expense			14				83
Accrued compensation and benefits			-				458
Net deferred loan fees			93				94
Mark to market adjustments			-				267
Purchase accounting adjustments			-				3
NOL carry over			535				2,107
AMT credit carry over			798				322
Other			236				261
			4,044				5,911
Deferred tax liabilities
Depreciation			(1,031	)			(1,049	)
Mortgage servicing rights			(1,761	)			(1,284	)
Unrealized gains on available-for-sale securities			(38	)			(943	)
Purchase accounting adjustments			(1,149	)			(1,743	)
Prepaids			(248	)			(249	)
FHLB stock dividends			(466	)			(466	)
			(4,693	)			(5,734	)
Net deferred tax asset/(liability)		$	(649	)		$	177

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- Definition

Tabular disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforwards, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 9

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

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- Definition

Tabular disclosure of the components of net deferred tax asset or liability recognized in an entity's statement of financial position, including the following: the total of all deferred tax liabilities, the total of all deferred tax assets, the total valuation allowance recognized for deferred tax assets.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 2

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319

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- Definition

Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 740

-SubTopic 10

-Section 50

-Paragraph 12

-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

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