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CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 9 Months Ended
Sep. 30, 2014
Sep. 30, 2013
Sep. 30, 2014
Sep. 30, 2013
Interest and dividend income:        
Loans $ 6,717 $ 6,466 $ 19,795 $ 18,671
Due from banks interest bearing accounts 132 103 411 315
Investment securities        
Taxable 741 621 2,232 1,961
Non-taxable 85 99 282 298
Other earning assets 77 46 205 106
Total interest and dividend income 7,752 7,335 22,925 21,351
Interest expense:        
Deposits 312 306 973 952
Total interest expense 312 306 973 952
Net interest income 7,440 7,029 21,952 20,399
Provision for loan losses 400 0 1,600 800
Net interest income after provision for loan losses 7,040 7,029 20,352 19,599
Other operating income:        
Service charges on deposit accounts 599 606 1,689 1,876
Gains on sales of other real estate owned 0 0 0 1
Gains on sales of loans held-for-sale 179 129 456 1,121
Investment and brokerage services income 158 295 479 958
Mortgage brokerage income 9 28 15 63
Loan servicing income 145 490 366 1,203
Fiduciary activities income 121 136 457 465
ATM fees 145 67 335 219
Signature based transaction fees 487 337 1,183 966
Gains on calls of available-for-sale securities 53 0 53 4
Other income 208 185 647 567
Total other operating income 2,104 2,273 5,680 7,443
Other operating expenses:        
Salaries and employee benefits 4,031 4,422 11,556 12,630
Occupancy and equipment 728 757 2,186 2,289
Data processing 434 414 1,265 1,258
Stationery and supplies 81 92 255 281
Advertising 84 76 257 263
Directors' fees 68 54 190 161
Other real estate owned expense (income) and impairment 65 (10) 106 11
Impairment on other interest earning assets 0 0 50 0
Other expense 1,301 1,120 3,880 3,637
Total other operating expenses 6,792 6,925 19,745 20,530
Income before provision for income taxes 2,352 2,377 6,287 6,512
Provision for income taxes 782 1,004 2,014 2,334
Net income 1,570 1,373 4,273 4,178
Preferred stock dividends (33) (162) (97) (534)
Net income available to common shareholders $ 1,537 $ 1,211 $ 4,176 $ 3,644
Basic earnings per share (in dollars per share) $ 0.16 $ 0.12 $ 0.43 $ 0.38
Diluted earnings per share (in dollars per share) $ 0.16 $ 0.12 $ 0.43 $ 0.37