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Consolidated Statements Of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Interest Income    
Loans $ 19,377 $ 17,511
Securities    
US Government and agency obligations 570 658
Mortgage backed securities 95 82
Municipals - taxable 108 244
Municipals - tax exempt 42 111
Dividends 67 63
Other (Corporates) 11 43
Interest bearing deposits 14  
Federal Funds sold 18 17
Total interest income 20,302 18,729
Deposits    
NOW, money market savings 509 486
Time Deposits 1,552 1,152
Federal Funds purchased 2 9
FHLB borrowings 28 76
Reverse repurchase agreements   2
Capital notes 600 600
Total interest expense 2,691 2,325
Net interest income 17,611 16,404
Provision for loan losses 282 55
Net interest income after provision for loan losses 17,329 16,349
Noninterest income    
(Gain) on sales of loans held for sale 2,278 1,716
Service charges, fees and commissions 1,390 1,352
Increase in cash value of life insurance 269 282
Other 207 94
Gain on sales of available-for-sale securities, net 49 143
Total noninterest income 4,193 3,587
Noninterest expenses    
Salaries and employee benefits 8,727 7,940
Occupancy 1,204 1,214
Equipment 1,275 1,234
Supplies 419 387
Professional, data processing, and other outside expense 2,218 2,241
Marketing 465 472
Credit expense 301 220
Other real estate expenses 122 206
FDIC insurance expense 331 262
Other 1,003 812
Amortization of tax credit investment 114 247
Total noninterest expenses 16,179 15,235
Income before income taxes 5,343 4,701
Income tax expense 1,651 1,288
Net Income $ 3,692 $ 3,413
Weighted average shares outstanding - basic 3,451,409 3,365,410
Weighted average shares outstanding- diluted 3,451,409 3,365,410
Earnings per common share - basic $ 1.07 $ 1.01
Earnings per common share - diluted $ 1.07 $ 1.01