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Consolidated Statements of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Interest Income    
Interest and fees on loans $ 22,245 $ 24,311
Interest and dividends on investment securities:    
Taxable 5,611 6,183
Tax-exempt 2,682 2,816
Interest on interest-bearing balances and other interest income 46 38
Total interest income 30,584 33,348
Interest on deposits    
Interest-bearing demand 649 655
Money market 133 231
Savings 820 1,141
Time 1,882 2,391
Time of $100,000 or more 1,189 1,454
Interest on short-term borrowings 111 109
Interest on long-term debt 249 467
Total interest expense 5,033 6,448
Net interest income 25,551 26,900
Provision for loan losses 400 900
Net interest income after provision for loan losses 25,151 26,000
Non-Interest Income    
Total other-than-temporary impairment loss on investment securities (43) (105)
Net other-than temporary impairment losses on investment securities (43) (105)
Net gain on sale of investment securities 867 682
Net gain on investment securities 824 577
Fees for services to customers 1,594 1,476
ATM and debit card 1,499 1,467
Retail brokerage and advisory 523 39
Bank-owned life insurance 320 333
Merchant 367 373
Net gain on sale of loans 425 885
Other 261 259
Total non-interest income 5,813 5,409
Non-Interest Expense    
Salaries and employee benefits 10,553 10,403
Net occupancy 1,638 1,630
Furniture and equipment 1,714 1,503
Marketing 971 829
Third party services 1,488 1,508
Telephone, postage and supplies 670 614
State taxes 690 647
FDIC insurance premiums 705 695
Other 1,797 1,796
Total non-interest expense 20,226 19,625
Income before income taxes 10,738 11,784
Provision for income taxes 2,346 2,609
Net Income $ 8,392 $ 9,175
Earnings Per Share - Basic (in Dollars per share) $ 2.58 $ 2.87
Earnings Per Share - Diluted (in Dollars per share) $ 2.57 $ 2.86