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Consolidated Statements Of Income (USD $)
In Thousands, except Share data, unless otherwise specified
3 Months Ended
Mar. 31, 2014
Mar. 31, 2013
Interest Income    
Loans $ 4,188 $ 4,163
Securities    
US Government and agency obligations 180 190
Mortgage backed securities 33 4
Municipals 120 152
Dividends 6 5
Other (Corporates) 15 16
Federal Funds sold 3 7
Total interest income 4,545 4,537
Deposits    
NOW, money market savings 118 124
Time deposits 301 323
Federal Funds purchased 2  
FHLB borrowings 19 19
Reverse repurchase agreements 1  
Capital notes 150 150
Total interest expense 591 616
Net interest income 3,954 3,921
Provision for loan losses 55 235
Net interest income after provision for loan losses 3,899 3,686
Other Operating Income    
Mortgage fee income 289 319
Service charges, fees and commissions 350 303
Increase in cash value of life insurance 71 75
Other 13 8
Gain (loss) on sale of available-for-sale securities, net (6) 259
Total other operating income 717 964
Other operating expenses    
Salaries and employee benefits 1,885 1,776
Occupancy 313 305
Equipment 287 261
Supplies 105 90
Professional, data processing, and other outside expense 613 561
Marketing 97 86
Credit expense 37 55
Other real estate expenses 57 79
FDIC insurance expense 30 144
Other 185 174
Total other operating expenses 3,609 3,531
Income before income taxes 1,007 1,119
Income tax expense 302 331
Net Income $ 705 $ 788
Weighted average shares outstanding - basic 3,364,874 3,352,725
Weighted average shares outstanding- diluted 3,364,874 3,352,855
Income per common share - basic $ 0.21 $ 0.24
Income per common share - diluted $ 0.21 $ 0.24