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Consolidated Statements of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Interest Income    
Loans receivable $ 14,544 $ 14,818
Investment securities 2,799 2,749
Interest-earning deposits and other 167 145
Total interest income 17,510 17,712
Interest Expense    
Deposits 2,679 3,458
Borrowings 2,321 2,365
Total interest expense 5,000 5,823
Net Interest Income 12,510 11,889
Provision for loan losses 1,382 2,771
Net Interest Income After Provision for Loan Losses 11,128 9,118
Other Income    
Service fees and charges 2,142 1,935
Net realized gains on sale of available-for-sale securities 997 312
Net gains on loan sales 1,153 730
Interchange fee income 454 409
Increase in cash value of life insurance 306 323
Loss on real estate held for sale (577) (750)
Bargain purchase gain on Dupont State Bank acquisition 988  
Other income 306 49
Total other income 5,769 3,008
Other Expenses    
Salaries and employee benefits 5,953 5,309
Net occupancy and equipment expenses 1,480 1,428
Data processing fees 454 420
Advertising 399 403
Mortgage servicing rights 270 185
Professional fees 362 317
Federal Deposit Insurance Corporation assessment 362 397
Loan-related expenses 522 367
Acquisition expense 382 212
Prepayment penalties on FHLB Advances 392  
Other expenses 1,450 1,213
Total other expenses 12,026 10,251
Income Before Income Tax 4,871 1,875
Income tax expense 859 103
Net Income 4,012 1,772
Preferred stock dividends 362 362
Net Income Available to Common Stockholders $ 3,650 $ 1,410
Basic Earnings per Common Share (in dollars per share) $ 2.40 $ 0.93
Diluted Earnings per Common Share (in dollars per share) $ 2.40 $ 0.93
Dividends per Share (in dollars per share) $ 0.84 $ 0.84