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CONSOLIDATED STATEMENTS OF COMPREHENSIVE 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 and dividend income:        
Loans, including fees $ 2,189 $ 2,161 $ 4,345 $ 4,412
Securities 84 82 138 146
Short-term investments 1 13 3 19
Total interest and dividend income 2,274 2,256 4,486 4,577
Interest expense:        
Deposits 133 230 273 513
Short-term Federal Home Loan Bank advances 8   12  
Long-term Federal Home Loan Bank advances 141 217 292 435
Securities sold under agreements to repurchase       1
Total interest expense 282 447 577 949
Net interest and dividend income 1,992 1,809 3,909 3,628
Provision for loan losses 73 31 163 95
Net interest and dividend income, after provision for loan losses 1,919 1,778 3,746 3,533
Non-interest income:        
Customer service fees 148 136 281 267
Mortgage banking income, net 234 162 655 288
Income from bank-owned life insurance 25 25 49 49
Net gain on sale of other real estate owned 3   22  
Other 35 6 59 8
Total non-interest income 445 329 1,066 612
Non-interest expenses:        
Salaries and employee benefits 1,234 1,066 2,431 2,089
Occupancy and equipment expenses 211 217 442 431
Data processing expenses 162 124 348 245
Professional fees 132 113 219 214
Advertising expenses 75 91 150 184
FDIC insurance 35 38 75 77
Other general and administrative expenses 278 256 573 470
Total non-interest expenses 2,127 1,905 4,238 3,710
Income before income taxes 237 202 574 435
Income tax provision 88 67 216 147
Net income 149 135 358 288
Weighted-average number of common shares outstanding:        
Basic (in shares) 1,829,186 1,921,692 1,836,081 1,917,935
Diluted (in shares) 1,837,453 1,921,692 1,842,220 1,917,935
Earnings per share:        
Basic (in dollars per share) $ 0.08 $ 0.07 $ 0.19 $ 0.15
Diluted (in dollars per share) $ 0.08 $ 0.07 $ 0.19 $ 0.15
Other comprehensive (loss) income, net of tax:        
Unrealized (loss) gain on securities available for sale (402) 28 (421) 18
Comprehensive (loss) income $ (253) $ 163 $ (63) $ 306