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Consolidated Statements Of Income (USD $)
In Thousands, except Share data, unless otherwise specified
3 Months Ended 6 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Jun. 30, 2013
Jun. 30, 2012
INTEREST INCOME        
Interest and fees on loans and leases $ 7,633 $ 8,179 $ 15,420 $ 16,466
Interest and dividends on investments:        
U.S. Treasury securities and U.S. Agency obligations 414 615 853 1,254
States & political subdivisions 646 667 1,269 1,382
Other securities 16 13 35 29
Interest on Federal funds sold            
Interest on balances with banks 28 6 50 17
Total Interest Income 8,737 9,480 17,627 19,148
INTEREST EXPENSE        
Interest on time deposits of $100,000 or more 259 300 524 612
Interest on other deposits 391 614 797 1,258
Interest on other borrowed funds 311 493 673 1,018
Total Interest Expense 961 1,407 1,994 2,888
Net Interest Income 7,776 8,073 15,633 16,260
Provision for loan and lease losses 500 114 800 306
Net Interest Income After Provision for Loan and Lease Losses 7,276 7,959 14,833 15,954
NON-INTEREST INCOME        
Trust department income 403 341 794 703
Service charges on deposit accounts 487 468 954 927
Merchant transaction income 918 891 1,949 2,098
Brokerage fee income 100 84 190 141
Other fee income 505 461 906 864
Bank-owned life insurance income 120 131 239 249
Other operating income 500 177 726 418
Impairment losses on investment securities            
Realized gains (losses) on securities, net 24 69 125 116
Total Non-Interest Income 3,057 2,622 5,883 5,516
NON-INTEREST EXPENSES        
Salaries and employee benefits 3,492 3,490 7,075 7,204
Premises and equipment 701 715 1,502 1,552
Merchant transaction expenses 582 596 1,207 1,327
FDIC insurance assessments 11 120 129 230
Other operating expenses 2,070 2,340 4,068 4,288
Total Non-Interest Expenses 6,856 7,261 13,981 14,601
Income before income taxes 3,477 3,320 6,735 6,869
Applicable income taxes 633 721 1,370 1,540
Net Income $ 2,844 $ 2,599 $ 5,365 $ 5,329
Weighted average shares outstanding - Basic 3,276,079 3,276,079 3,276,079 3,276,079
Weighted average shares outstanding - Diluted 3,277,729 3,276,122 3,277,516 3,276,100
Earnings per Common Share - Basic $ 0.87 $ 0.79 $ 1.64 $ 1.63
Earnings per Common Share - Diluted $ 0.87 $ 0.79 $ 1.64 $ 1.63
Cash Dividends Declared Per Common Share $ 0.42 $ 0.42 $ 0.84 $ 0.84