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Consolidated Statements of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Interest Income    
Loans receivable $ 16,519 $ 14,544
Investment securities 2,905 2,799
Interest-earning deposits and other 197 167
Total interest income 19,621 17,510
Interest Expense    
Deposits 2,302 2,679
Borrowings 1,864 2,321
Total interest expense 4,166 5,000
Net Interest Income 15,455 12,510
Provision for loan losses 932 1,382
Net Interest Income After Provision for Loan Losses 14,523 11,128
Other Income    
Service fees and charges 2,582 2,142
Net realized gains on sale of available-for-sale securities (includes $211 and $997, respectively, related to accumulated other comprehensive income (loss)) 211 997
Net gains on loan sales 732 1,153
Interchange fee income 626 454
Increase in cash value of life insurance 275 306
Loss on real estate held for sale (425) (577)
Bargain purchase gain on Dupont State Bank acquisition   988
Other income 430 306
Total other income 4,431 5,769
Other Expenses    
Salaries and employee benefits 6,966 5,953
Net occupancy and equipment expenses 1,890 1,480
Data processing fees 514 454
Advertising 478 399
Mortgage servicing rights 215 270
Professional fees 392 362
Federal Deposit Insurance Corporation assessment 397 362
Loan-related expenses 511 522
Acquisition expense 84 382
Prepayment penalties on FHLB advances 13 392
Other expenses 1,596 1,450
Total other expenses 13,056 12,026
Income Before Income Tax 5,898 4,871
Income tax expense (includes $72 and $346, respectively, related to accumulated other comprehensive income (loss)) 1,458 859
Net Income 4,440 4,012
Preferred stock dividends 362 362
Net Income Available to Common Stockholders $ 4,078 $ 3,650
Basic Earnings per Common Share (in dollars per share) $ 2.67 $ 2.40
Diluted Earnings per Common Share (in dollars per share) $ 2.66 $ 2.40
Dividends per Share (in dollars per share) $ 1.05 $ 0.84