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Consolidated Statements Of Income (USD $)
In Thousands, except Share data, unless otherwise specified
3 Months Ended 6 Months Ended
Jun. 30, 2014
Jun. 30, 2013
Jun. 30, 2014
Jun. 30, 2013
Interest Income        
Loans $ 4,268 $ 4,199 $ 8,456 $ 8,362
Securities        
US Government and agency obligations 174 172 354 362
Mortgage backed securities 25 10 58 14
Municipals 100 141 220 293
Dividends 26 25 32 30
Other (Corporates) 11 12 26 28
Federal Funds sold 6 8 9 15
Total interest income 4,610 4,567 9,155 9,104
Deposits        
NOW, money market savings 121 124 239 248
Time Deposits 297 317 598 640
Federal Funds purchased     2  
FHLB borrowings 19 19 38 38
Reverse repurchase agreements     1  
Capital notes 150 150 300 300
Total interest expense 587 610 1,178 1,226
Net interest income 4,023 3,957 7,977 7,878
Provision for loan losses   55 55 290
Net interest income after provision for loan losses 4,023 3,902 7,922 7,588
Other Operating Income        
Mortgage fee income 407 340 696 659
Service charges, fees and commissions 364 325 714 628
Increase in cash value of life insurance 72 76 143 151
Other 28 29 41 37
Gain on sale of available-for-sale securities, net 86 135 80 394
Total other operating income 957 905 1,674 1,869
Other operating expenses        
Salaries and employee benefits 1,904 1,726 3,789 3,502
Occupancy 312 285 625 590
Equipment 328 240 615 501
Supplies 97 93 202 183
Professional, data processing, and other outside expense 562 569 1,175 1,130
Marketing 132 95 229 181
Credit expense 50 64 87 119
Other real estate expenses 100 261 157 340
FDIC insurance expense 77 143 107 287
Other 195 195 380 369
Total other operating expenses 3,757 3,671 7,366 7,202
Income before income taxes 1,223 1,136 2,230 2,255
Income tax expense 380 339 682 670
Net Income $ 843 $ 797 $ 1,548 $ 1,585
Weighted average shares outstanding - basic 3,364,874 3,352,725 3,364,874 3,352,725
Weighted average shares outstanding- diluted 3,364,874 3,353,141 3,364,874 3,353,002
Income per common share - basic $ 0.25 $ 0.24 $ 0.46 $ 0.47
Income per common share - diluted $ 0.25 $ 0.24 $ 0.46 $ 0.47