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Condensed Consolidated Statements of Income and Comprehensive Income (Loss) (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 6 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Jun. 30, 2013
Jun. 30, 2012
Interest and Dividend Income        
Loans $ 2,846 $ 2,945 $ 5,734 $ 5,931
Securities 632 862 1,288 1,804
Dividends on Federal Home Loan Bank stock and other 56 57 111 116
Total interest and dividend income 3,534 3,864 7,133 7,851
Interest Expense        
Deposits 431 544 866 1,154
Other short term borrowings 3 3 5 5
Federal Home Loan Bank advances 153 171 305 350
Total interest expense 587 718 1,176 1,509
Net Interest Income 2,947 3,146 5,957 6,342
Provision (Credit) for Loan Losses 10 (394) (131) 393
Net Interest Income After Provision (Credit) for Loan Losses 2,937 3,540 6,088 5,949
Noninterest Income        
Gain on loan sales 26 49 73 95
Gain (Loss) on sale of foreclosed assets held for sale 20    17 (13)
Trust income    73    165
Earnings on bank-owned life insurance 74 75 147 148
Service fees, charges and other operating 278 296 548 553
Total noninterest income 398 493 785 948
Noninterest Expense        
Salaries and employee benefits 1,528 1,892 3,032 3,529
Net occupancy and equipment expense 477 477 954 953
Federal deposit insurance premiums 65 74 140 153
Franchise taxes 100 100 200 201
Provision for impairment on foreclosed assets held for sale    35    35
Amortization of intangible assets 22 22 45 45
Other 471 615 1,022 1,071
Total noninterest expense 2,663 3,215 5,393 5,987
Income Before Federal Income Taxes 672 818 1,480 910
Provision for Federal Income Taxes 181 194 411 134
Net Income 491 624 1,069 776
Other comprehensive income (loss):        
Unrealized gains (losses) on available-for-sale securities (1,728) 153 (2,050) (4)
Tax benefit (expense) 587 (53) 696   
Other comprehensive income (loss) (1,141) 100 (1,354) (4)
Total comprehensive income (loss) $ (650) $ 724 $ (285) $ 772
Basic Earnings Per Share $ 0.17 $ 0.21 $ 0.37 $ 0.26
Diluted Earnings Per Share $ 0.17 $ 0.21 $ 0.37 $ 0.26
Dividends Per Share $ 0.08 $ 0.07 $ 0.15 $ 0.13