Income Taxes (Tables)

12 Months Ended

Dec. 31, 2012

Income Taxes [Abstract]

Components Of The Provision For Income Taxes

(In Thousands)	Current Tax Expense (Benefit)		Deferred (Benefit)		Total Expense
2012:
Federal	$	4,169	$	750	$	4,919
State		1,106		131		1,237
Total	$	5,275	$	881	$	6,156
2011:
Federal	$	4,941	$	(816)	$	4,125
State		891		(143)		748
Total	$	5,832	$	(959)	$	4,873
2010:
Federal	$	(1,655)	$	4,918	$	3,263
State		(204)		859		655
Total	$	(1,859)	$	5,777	$	3,918

Reconciliation Of Actual To Expected Tax Expense

(In  Thousands)	2012		2011		2010
Computed “expected” income tax expense	$	6,864	$	5,695	$	4,545
State income taxes, net		803		486		426
Low income housing credits		(896)		(879)		(841)
Other		(617)		(429)		(212)
Total	$	6,156	$	4,873	$	3,918

Components Of Net Deferred Tax Asset

(In  Thousands)	2012		2011		2010
Deferred Tax Asset:
Allowance for loan losses	$	6,650	$	6,750	$	5,912
Loan fees, net of costs		1,411		1,247		1,304
Depreciation and amortization		537		636		698
Other real estate owned		1,381		1,159		932
Deferred Compensation		1,973		2,059		1,888
Other		1,531		1,597		1,855
Total Deferred Tax Asset	$	13,483	$	13,448	$	12,589
Deferred Tax Liability:
Unrealized gain on available-for-sale
investment securities	$	(955)	$	(197)	$	(452)
Intangible amortization		(1,807)		(1,675)		(1,789)
Other		(730)		(704)		(690)
Total Deferred Tax Liability	$	(3,492)	$	(2,576)	$	(2,931)
Net Deferred Tax Asset	$	9,991	$	10,872	$	9,658