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Condensed Consolidated Statements of Income (Unaudited) (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended 9 Months Ended
Sep. 30, 2013
Sep. 30, 2012
Sep. 30, 2013
Sep. 30, 2012
Interest and dividend income:        
Loans, including fees $ 8,174 $ 8,781 $ 25,260 $ 27,678
Securities        
Taxable 330 369 945 1,241
Tax exempt 140 152 429 445
Dividends 88 66 236 204
Other Interest 16 37 122 159
8,748 9,405 26,992 29,727
Interest expense:        
Deposits 666 1,235 2,294 3,911
Other borrowed funds 110 124 283 372
Subordinated debentures 42 179 223 612
818 1,538 2,800 4,895
Net interest income 7,930 7,867 24,192 24,832
Provision for loan losses 833 1,183 675 3,023
Net interest income after provision for loan losses 7,097 6,684 23,517 21,809
Noninterest income:        
Service charges on deposit accounts 472 471 1,340 1,381
Trust fees 56 51 158 151
Income from bank owned life insurance and annuity assets 171 198 974 592
Mortgage banking income 85 166 331 398
Electronic refund check / deposit fees 21 15 2,532 2,279
Debit / credit card interchange income 502 422 1,447 1,238
Gain (loss) on other real estate owned (6) 30 (46) 181
Other 273 321 743 907
1,574 1,674 7,479 7,127
Noninterest expense:        
Salaries and employee benefits 4,326 4,118 13,132 12,571
Occupancy 418 397 1,199 1,182
Furniture and equipment 230 238 664 710
FDIC insurance 114 63 375 629
Data processing 276 278 838 786
Foreclosed assets 51 69 390 244
Other 1,905 1,794 5,987 5,329
7,320 6,957 22,585 21,451
Income before income taxes 1,351 1,401 8,411 7,485
Provision for income taxes 290 294 2,185 2,037
NET INCOME $ 1,061 $ 1,107 $ 6,226 $ 5,448
Earnings per share (in Dollars per share) $ 0.26 $ 0.27 $ 1.53 $ 1.35