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Consolidated Statements of Income (unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2016
Mar. 31, 2015
Interest and Dividend Income:    
Interest and fees on loans $ 6,413 $ 6,355
Interest on due from banks 4 7
Interest on federal funds sold 1 0
Interest on securities:    
Taxable 548 686
Tax-exempt 384 423
Dividends and interest on all other securities 15 33
Total interest and dividend income 7,365 7,504
Interest Expense:    
Interest on savings deposits 55 52
Interest on time deposits 517 528
Interest on federal funds purchased, securities sold under agreements to repurchase and other borrowings 6 8
Interest on Federal Home Loan Bank advances 141 305
Total interest expense 719 893
Net interest income 6,646 6,611
Provision for loan losses 150 275
Net interest income, after provision for loan losses 6,496 6,336
Noninterest Income:    
Income from fiduciary activities 901 980
Service charges on deposit accounts 975 982
Other service charges, commissions and fees 1,018 1,005
Income from bank-owned life insurance 215 221
Available-for-sale Securities, Gross Realized Gain (Loss) 509 0
Other operating income 47 89
Total noninterest income 3,665 3,277
Noninterest Expense:    
Salaries and employee benefits 5,154 5,049
Occupancy and equipment 1,358 1,327
Data processing 422 358
FDIC insurance 165 147
Customer development 150 154
Legal and audit expense 202 114
Other outside service fees 183 114
Employee professional development 148 131
Bad checks and other losses 87 137
Capital stock tax 135 114
Prepayment fee on Federal Home Loan Bank Advance 391 0
Gain (loss) on write-down/sale of foreclosed assets 99 69
Other operating expense 597 573
Total noninterest expense 9,091 8,287
Income before income taxes 1,070 1,326
Income tax expense 49 121
Net income $ 1,021 $ 1,205
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) $ 0.21 $ 0.24
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) $ 0.21 $ 0.24