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Consolidated Statements of Income (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 6 Months Ended
Jun. 30, 2013
Jun. 30, 2012
Jun. 30, 2013
Jun. 30, 2012
Interest income        
Interest and fees on loans $ 5,594 $ 6,163 $ 11,170 $ 12,441
Interest and dividends on investment securities:        
Taxable 1,351 1,558 2,745 3,200
Tax-exempt 672 693 1,371 1,397
Interest on interest-bearing balances and other interest income 7 10 14 19
Total interest income 7,624 8,424 15,300 17,057
Interest on deposits        
Interest-bearing demand 156 159 302 326
Money market 35 66 73 137
Savings 202 315 426 630
Time 494 612 1,015 1,241
Time of $100,000 or more 311 375 636 749
Interest on short-term borrowings 27 26 53 53
Interest on long-term debt 63 95 126 339
Total interest expense 1,288 1,648 2,631 3,475
Net interest income 6,336 6,776 12,669 13,582
Provision for loan losses 100 0 100 300
Net interest income after provision for loan losses 6,236 6,776 12,569 13,282
Non-interest income        
Total other-than-temporary impairment loss on investment securities (43)   (43)  
Net other-than temporary impairment losses on investment securities (43)   (43)  
Net gain on sale of investment securities 136 141 559 530
Net gain on investment securities 93 141 516 530
Fees for services to customers 369 345 735 684
ATM and debit card 378 367 730 731
Bank-owned life insurance 75 78 149 156
Merchant Income 101 101 182 186
Net gain on sale of loans 98 231 323 458
Other 125 63 352 147
Total non-interest income 1,239 1,326 2,987 2,892
Non-interest expense        
Salaries and employee benefits 2,673 2,548 5,232 5,174
Net occupancy 415 397 851 821
Furniture and equipment 417 373 830 703
Marketing 251 256 490 457
Third party services 386 365 760 704
Telephone, postage and supplies 159 156 340 306
State taxes 173 167 345 327
FDIC insurance premiums 183 162 353 342
Other 434 404 830 845
Total non-interest expense 5,091 4,828 10,031 9,679
Income before income taxes 2,384 3,274 5,525 6,495
Provision for income taxes 490 769 1,223 1,519
Net income $ 1,894 $ 2,505 $ 4,302 $ 4,976
Earnings per share - basic (in Dollars per share) $ 0.58 $ 0.79 $ 1.33 $ 1.56
Earnings per share - diltued (in Dollars per share) $ 0.58 $ 0.78 $ 1.32 $ 1.55
Cash dividends per share (in Dollars per share) $ 0.27 $ 0.26 $ 0.54 $ 0.52