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Consolidated Statements of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Interest and Dividend Income:    
Interest and fees on loans $ 25,972 $ 24,881
Interest on due from banks 15 13
Interest on federal funds sold 2 5
Interest on securities:    
Taxable 2,510 3,562
Tax-exempt 1,663 1,703
Dividends and interest on all other securities 133 125
Total interest and dividend income 30,295 30,289
Interest Expense:    
Interest on savings deposits 227 230
Interest on time deposits 2,144 2,354
Interest on federal funds purchased, securities sold under agreements to repurchase and other borrowings 30 32
Interest on Federal Home Loan Bank advances 1,231 1,233
Total interest expense 3,632 3,849
Net interest income 26,663 26,440
Provision for loan losses 1,025 600
Net interest income, after provision for loan losses 25,638 25,840
Noninterest Income:    
Income from fiduciary activities 3,617 3,506
Service charges on deposit accounts 4,021 4,119
Other service charges, commissions and fees 4,084 3,940
Income from bank owned-life insurance 885 851
Gain on sale of available-for-sale securities, net 76 2
Other operating income 453 226
Total noninterest income 13,136 12,644
Noninterest Expense:    
Salaries and employee benefits 20,747 19,884
Occupancy and equipment 5,330 4,886
Data processing 1,625 1,663
FDIC insurance 586 704
Loss on write-down/sale of foreclosed assets 957 872
Customer development 584 822
Legal and audit expense 720 606
Employee professional development 591 721
Other outside service fees 693 584
Postage and courier expense 373 445
Supplies Expense 374 446
Capital stock tax 439 499
Bad checks and other losses 452 410
Other operating expense 1,615 1,630
Total noninterest expense 35,086 34,172
Income before income taxes 3,688 4,312
Income tax expense 54 196
Net income $ 3,634 $ 4,116
Basic Earnings per Share:    
Average shares outstanding (in shares) 4,959,009 4,959,009
Net income per share of common stock (in dollars per share) $ 0.73 $ 0.83
Diluted Earnings per Share:    
Average shares outstanding (in shares) 4,959,009 4,959,009
Net income per share of common stock (in dollars per share) $ 0.73 $ 0.83