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Consolidated Statements of Cash Flows (USD $)
12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Operating Activities    
Net income $ 8,392,000 $ 9,175,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 1,146,000 1,010,000
Provision for loan losses 400,000 900,000
Net gains on investment securities available-for-sale (824,000) (577,000)
Net loss on sale of repossessed assets, other real estate owned and premises and equipment 179,000 9,000
Net gain on sale of loans (425,000) (885,000)
Proceeds from sales of residential mortgages held-for-sale 17,022,000 21,039,000
Origination of residential mortgages held-for-sale (14,981,000) (20,835,000)
Income on bank-owned life insurance (320,000) (333,000)
Stock-based compensation expense 71,000 76,000
Deferred income tax expense (benefit) 212,000 (409,000)
Net increase in income taxes payable 35,000 16,000
Net decrease in accrued interest receivable 224,000 187,000
Amortization of mortgage servicing rights and change in valuation allowance 55,000 195,000
Net amortization of premiums and discounts on investment securities 2,265,000 2,122,000
Net decrease in accrued interest payable (95,000) (302,000)
Decrease (increase) in other assets 4,140,000 (3,370,000)
(Decrease) increase in other liabilities (173,000) 209,000
Net cash provided by operating activities 17,323,000 8,227,000
Proceeds from payments, maturities and calls of investment securities    
available-for-sale 110,123,000 135,580,000
held-to-maturity   1,181,000
Proceeds from the sale of investment securities    
available-for-sale 19,559,000 44,600,000
Purchases of investment securities    
available-for-sale (130,213,000) (235,452,000)
Proceeds from redemption of investment in restricted bank stock 656,000 139,000
Purchase of restricted bank stock (176,000) (608,000)
Net (increase) decrease in loans (28,751,000) 10,971,000
Net purchases of premises and equipment (2,048,000) (2,374,000)
Proceeds from sales of repossessed assets 1,678,000 513,000
Net cash used by investing activities (29,172,000) (45,450,000)
Financing Activities    
Net increase in non-interest bearing deposits 2,302,000 6,835,000
Net increase in interest-bearing deposits 10,592,000 44,091,000
Net increase in short-term borrowings 2,668,000 8,467,000
Repayments of long-term debt (287,000) (15,012,000)
Tax benefit from exercise of stock options 2,000 19,000
Cash dividends paid, net of reinvestment (3,130,000) (2,997,000)
Proceeds from issuance of common stock 535,000 718,000
Net cash provided by financing activities 12,682,000 42,121,000
Increase in cash and cash equivalents 833,000 4,898,000
Cash and cash equivalents at beginning of year 15,453,000 10,555,000
Cash and cash equivalents at end of year 16,286,000 15,453,000
Supplemental Cash Flow Disclosures    
Interest paid 5,128,000 6,750,000
Income taxes paid 2,095,000 2,980,000
Non-cash transactions    
Transfer of loans to repossessed assets or other real estate owned $ 3,521,000 $ 863,000