Consolidated Statements of Financial Condition (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
ASSETS    
CASH AND DUE FROM BANKS $ 10,276 $ 12,181
INTEREST-BEARING DEPOSITS IN OTHER BANKS 37,444 41,945
Total cash and cash equivalents 47,720 54,126
FEDERAL FUNDS SOLD   5,000
INVESTMENT SECURITIES AVAILABLE-FOR-SALE, at fair value 135,754 92,614
INVESTMENT SECURITIES HELD TO MATURITY, at amortized cost 35,050 21,136
FEDERAL HOME LOAN BANK STOCK, at cost 906 936
LOANS, net of allowance for loan losses of $9,396 and $19,278, respectively 300,927 337,400
PREMISES AND EQUIPMENT, net of accumulated depreciation of $18,178 and $17,760, respectively 8,928 8,903
CASH SURRENDER VALUE OF BANK-OWNED LIFE INSURANCE 13,650 13,303
ACCRUED INTEREST RECEIVABLE 2,702 3,101
OTHER REAL ESTATE OWNED 9,310 13,286
OTHER ASSETS 14,854 17,328
TOTAL ASSETS 569,801 567,133
DEPOSITS:    
Demand, non-interest-bearing 64,432 57,747
Demand, interest-bearing 137,285 124,219
Savings 70,838 65,296
Time, $100 and over 93,007 108,927
Other time 118,717 132,845
Total deposits 484,279 489,034
ACCRUED INTEREST EXPENSE 266 413
OTHER LIABILITIES 8,930 8,401
SHORT-TERM BORROWINGS 1,231 638
LONG-TERM DEBT 5,000 0
TOTAL LIABILITIES 499,706 498,486
COMMITMENTS AND CONTINGENCIES (SEE NOTE 18)      
SHAREHOLDERS' EQUITY:    
Common stock, par value $.01 per share; 10,000,000 shares authorized; 7,327,560 shares issued; 6,028,091 shares and 6,023,622 shares outstanding for December 31, 2013 and 2012, respectively 73 73
Surplus 9,284 9,284
Accumulated other comprehensive income, net of tax 529 3,139
Retained earnings 81,214 77,287
Treasury stock, 1,299,469 and 1,303,938 shares at cost for 2013 and 2012, respectively (20,992) (21,123)
Noncontrolling interest (13) (13)
TOTAL SHAREHOLDERS' EQUITY 70,095 68,647
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $ 569,801 $ 567,133