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Consolidated Statements Of Income - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Sep. 30, 2015
Sep. 30, 2014
Interest Income        
Loans $ 4,968 $ 4,453 $ 14,354 $ 12,909
Securities        
US Government and agency obligations 144 172 427 526
Mortgage backed securities 30 13 58 71
Municipals - taxable 29 55 76 192
Municipals - taxable exempt 10 16 31 99
Dividends 6 5 40 37
Other (Corporates) 2 8 5 34
Interest bearing deposits 3   9  
Federal Funds sold 3 4 12 13
Total interest income 5,195 4,726 15,012 13,881
Deposits        
NOW, money market savings 130 125 375 364
Time Deposits 423 281 1,146 879
Federal Funds purchased 1 2 2 4
FHLB borrowings   19 28 57
Reverse repurchase agreements       1
Capital notes 150 150 450 450
Total interest expense 704 577 2,001 1,755
Net interest income 4,491 4,149 13,011 12,126
Provision for loan losses 120   277 55
Net interest income after provision for loan losses 4,371 4,149 12,734 12,071
Non-interest        
Mortgage income 623 518 1,759 1,214
Service charges, fees and commissions 397 322 1,063 1,036
Increase in cash value of life insurance 68 70 204 213
Other 100 13 154 54
Gain on sales of available-for-sale securities, net 10 6 43 86
Total Non-interest income 1,198 929 3,223 2,603
Non-interest expenses        
Salaries and employee benefits 2,135 1,978 6,346 5,767
Occupancy 302 287 903 912
Equipment 360 322 963 937
Supplies 100 92 304 294
Professional, data processing, and other outside expense 591 593 1,637 1,768
Marketing 97 113 321 342
Credit expense 94 80 230 167
Other real estate expenses 63 9 100 166
FDIC insurance expense 87 77 240 184
Other 289 188 689 568
Total non-interest expenses 4,118 3,739 11,733 11,105
Income before income taxes 1,451 1,339 4,224 3,569
Income tax expense 468 425 1,357 1,107
Net Income $ 983 $ 914 $ 2,867 $ 2,462
Weighted average common shares outstanding - basic 3,371,616 3,364,874 3,371,616 3,364,874
Weighted average common shares outstanding- diluted 3,371,616 3,364,874 3,371,616 3,364,874
Earnings per common share - basic $ 0.29 $ 0.27 $ 0.85 $ 0.73
Earnings per common share - diluted $ 0.29 $ 0.27 $ 0.85 $ 0.73