ChoiceOne Financial Services (COFS) 10-Q13 Nov 132013 Q3 Quarterly reportFinancial data

Company Profile

Document_And_Entity_Informatio

Document And Entity Information	9 Months Ended
Document And Entity Information	Sep. 30, 2013	Oct. 31, 2013
Document And Entity Information	'	'
Entity Registrant Name	'CHOICEONE FINANCIAL SERVICES INC	'
Entity Central Index Key	'0000803164	'
Document Type	'10-Q	'
Document Period End Date	30-Sep-13	'
Amendment Flag	'false	'
Current Fiscal Year End Date	'--12-31	'
Is Entity a Well-known Seasoned Issuer?	'No	'
Is Entity a Voluntary Filer?	'No	'
Is Entity's Reporting Status Current?	'Yes	'
Entity Filer Category	'Smaller Reporting Company	'
Entity Common Stock, Shares Outstanding	'	3,294,438
Document Fiscal Period Focus	'Q3	'
Document Fiscal Year Focus	'2013	'

CONSOLIDATED_BALANCE_SHEETS_Un

CONSOLIDATED BALANCE SHEETS (Unaudited) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Assets	'	'
Cash and cash due from banks	$13,694	$19,034
Federal funds sold	'	'
Cash and cash equivalents	13,694	19,034
Securities available for sale	127,442	134,492
Federal Home Loan Bank stock	2,478	2,478
Federal Reserve Bank stock	1,272	1,272
Loans held for sale	973	1,874
Loans	315,692	311,468
Allowance for loan losses	-5,712	-5,852
Loans, net	309,980	305,616
Premises and equipment, net	12,142	12,121
Other real estate owned, net	965	2,019
Cash value of life insurance policies	10,195	9,970
Intangible assets, net	1,388	1,724
Goodwill	13,728	13,728
Other assets	4,478	4,585
Total assets	498,735	508,913
Liabilities	'	'
Deposits - noninterest-bearing	92,078	101,861
Deposits - interest-bearing	314,276	322,338
Total deposits	406,354	424,199
Repurchase agreements	19,218	19,572
Advances from Federal Home Loan Bank	9,399	420
Other liabilities	2,963	4,216
Total liabilities	437,934	448,407
Shareholders' Equity	'	'
Preferred stock; shares authorized: 100,000; shares outstanding: none	'	'
Common stock and paid in capital, no par value; shares authorized: 7,000,000; shares outstanding: 3,293,778 at September 30, 2013 and 3,298,081 at December 31, 2012	46,563	46,649
Retained earnings	13,929	11,501
Accumulated other comprehensive income, net	309	2,356
Total shareholders' equity	60,801	60,506
Total liabilities and shareholders' equity	$498,735	$508,913

CONSOLIDATED_BALANCE_SHEETS_Un1

CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical)	Sep. 30, 2013	Dec. 31, 2012
Statement of Financial Position [Abstract]	'	'
Preferred stock, authorized	100,000	100,000
Preferred stock, outstanding	0	0
Common stock, shares authorized	7,000,000	7,000,000
Common stock, shares outstanding	3,293,778	3,298,081

CONSOLIDATED_STATEMENTS_OF_INC

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Interest income	'	'	'	'
Loans, including fees	$3,935	$4,272	$11,943	$12,783
Securities:	'	'	'	'
Taxable	448	474	1,365	1,009
Tax exempt	349	349	1,042	1,471
Other	3	8	8	19
Total interest income	4,735	5,103	14,358	15,282
Interest expense	'	'	'	'
Deposits	317	499	1,031	1,643
Advances from Federal Home Loan Bank	14	59	29	247
Other	13	33	32	171
Total interest expense	344	591	1,092	2,061
Net interest income	4,391	4,512	13,266	13,221
Provision for loan losses	'	500	300	1,975
Net interest income after provision for loan losses	4,391	4,012	12,966	11,246
Noninterest income	'	'	'	'
Customer service charges	963	875	2,735	2,461
Insurance and investment commissions	288	164	631	546
Gains on sales of loans	295	446	1,269	1,206
Gains on sales of securities	13	21	89	307
Losses on sales and write-downs and other assets	-520	-81	-820	-320
Earnings on life insurance policies	75	78	225	368
Other	210	145	584	486
Total noninterest income	1,324	1,648	4,713	5,054
Noninterest expense	'	'	'	'
Salaries and benefits	2,119	1,981	6,236	5,799
Occupancy and equipment	580	574	1,742	1,711
Data processing	472	503	1,485	1,379
Professional fees	185	251	577	650
Supplies and postage	100	118	344	369
Advertising and promotional	44	47	156	128
Intangible amortization	112	112	336	336
Loan and collection expense	98	163	275	405
FDIC insurance	68	80	247	290
Other	350	338	1,234	1,126
Total noninterest expense	4,128	4,167	12,632	12,193
Income before income tax	1,587	1,493	5,047	4,107
Income tax expense	386	371	1,299	949
Net income	$1,201	$1,122	$3,748	$3,158
Basic earnings per share	$0.37	$0.34	$1.14	$0.96
Diluted earnings per share	$0.36	$0.34	$1.13	$0.96
Dividends declared per share	$0.14	$0.13	$0.40	$0.37

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Consolidated Statements Of Comprehensive Income	'	'	'	'
Net income	$1,201	$1,122	$3,748	$3,158
Other comprehensive income, net of tax:	'	'	'	'
Unrealized holding loss on available for sale securities	-486	243	-1,989	591
Less: Reclassification adjustment for gain recognized in earnings, net of tax	-8	13	-58	202
Total other comprehensive income/(loss), net of tax	-494	230	-2,047	389
Comprehensive income	$707	$1,352	$1,701	$3,547

CONSOLIDATED_STATEMENTS_OF_CHA

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Unaudited) (USD $)	Number of Shares	Common Stock and Paid in Capital	Retained Earnings	Accumulated Other Comprehensive Income, Net	Total
In Thousands, except Share data	Number of Shares	USD ($)	USD ($)	USD ($)	USD ($)
Balance, beginning at Dec. 31, 2011	'	$46,602	$8,887	$2,415	$57,904
Balance, beginning, shares at Dec. 31, 2011	3,293,269	'	'	'	'
Net income	'	'	3,158	'	3,158
Other comprehensive income (loss)	'	'	'	389	389
Shares issued	'	97	'	'	'
Shares issued, shares	7,701	'	'	'	'
Effect of employee stock purchases	'	8	'	'	'
Cash dividends declared	'	'	-1,220	'	'
Balance, ending at Sep. 30, 2012	'	46,707	10,825	2,804	'
Balance, ending, shares at Sep. 30, 2012	3,300,970	'	'	'	'
Balance, beginning at Dec. 31, 2012	'	46,649	11,501	2,356	60,506
Balance, beginning, shares at Dec. 31, 2012	3,298,081	'	'	'	3,298,081
Net income	'	'	3,748	'	3,748
Other comprehensive income (loss)	'	'	'	-2,047	-2,047
Change in ESOP repurchase obligation	'	-13	'	'	-13
Shared repurchased	'	-192	'	'	-192
Shared repurchased, shares	-11,468	'	'	'	'
Shares issued	'	104	'	'	'
Shares issued, shares	7,165	'	'	'	'
Effect of employee stock purchases	'	9	'	'	'
Issuance of restricted stock units	'	6	'	'	6
Cash dividends declared	'	'	-1,320	'	'
Balance, ending at Sep. 30, 2013	'	$46,563	$13,929	$309	$60,801
Balance, ending, shares at Sep. 30, 2013	3,293,778	'	'	'	3,293,778

CONSOLIDATED_STATEMENTS_OF_CHA1

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) (USD $)	3 Months Ended		9 Months Ended
	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Statement of Stockholders' Equity [Abstract]	'	'	'	'
Cash dividend declared, per share	$0.14	$0.13	$0.40	$0.37

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Cash flows from operating activities:	'	'
Net income	$3,748	$3,158
Adjustments to reconcile net income to net cash from operating activities:	'	'
Provision for loan losses	300	1,975
Depreciation	686	679
Amortization	1,240	1,150
Compensation expense on stock options and employee stock purchases	15	8
Gains on sales of securities	-89	-307
Gains on sales of loans	-1,269	-1,206
Loans originated for sale	-34,442	-33,649
Proceeds from loan sales	36,437	35,004
Earnings on bank-owned life insurance	-225	-368
Proceeds from life insurance	'	311
Net gains on sales of other real estate owned	-11	-18
Write-downs of other real estate owned	831	346
Proceeds from sales of other real estate owned	701	763
Deferred federal income tax benefit	-317	-105
Net changes in other assets	150	395
Net changes in other liabilities	104	-178
Net cash from operating activities	7,859	7,958
Securities available for sale:	'	'
Sales	4,371	6,799
Maturities, prepayments and calls	19,978	27,592
Purchases	-21,082	-58,409
Purchase of Federal Reserve Bank Stock	'	-1
Loan originations and payments, net	-5,131	15,291
Additions to premises and equipment	-707	-315
Net cash from investing activities	-2,571	-9,043
Cash flows from financing activities:	'	'
Net change in deposits	-17,845	16,675
Net change in repurchase agreements	-354	-1,606
Proceeds from Federal Home Loan Bank advances	18,000	'
Payments on Federal Home Loan Bank advances	-9,021	-3,020
Issuance of common stock	104	97
Repurchase of common stock	-192	'
Cash dividends	-1,320	-1,220
Net cash from financing activities	-10,628	10,926
Net change in cash and cash equivalents	-5,340	9,841
Beginning cash and cash equivalents	19,034	17,125
Ending cash and cash equivalents	13,694	26,966
Supplemental disclosures of cash flow information:	'	'
Cash paid for interest	1,092	2,136
Cash paid for income taxes	1,025	1,225
Loans transferred to other real estate owned	472	938
Securities transferred to other assets	'	330
Other real estate owned transferred to premises and equipment	'	$20

Summary_of_Significant_Account

Summary of Significant Accounting Policies	9 Months Ended
Summary of Significant Accounting Policies	Sep. 30, 2013
Summary Of Significant Accounting Policies	'
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
	NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

	Principles of Consolidation
	The consolidated financial statements include ChoiceOne Financial Services, Inc. (“ChoiceOne” or the “Registrant”) and its wholly-owned subsidiary, ChoiceOne Bank (the “Bank”), and the Bank’s wholly-owned subsidiary, ChoiceOne Insurance Agencies, Inc. Intercompany transactions and balances have been eliminated in consolidation.

	The consolidated financial statements have been prepared in accordance with generally accepted accounting principles for interim financial information, prevailing practices within the banking industry and the instructions to Form 10-Q. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements.

	The accompanying consolidated financial statements reflect all adjustments ordinary in nature which are, in the opinion of management, necessary for a fair presentation of the Consolidated Balance Sheets as of September 30, 2013 and December 31, 2012, the Consolidated Statements of Income for the three- and nine-month periods ended September 30, 2013 and September 30, 2012, the Consolidated Statements of Comprehensive Income for the three- and nine-month periods ended September 30, 2013 and September 30, 2012, the Consolidated Statements of Changes in Shareholders' Equity for the nine-month periods ended September 30, 2013 and September 30, 2012, and the Consolidated Statements of Cash Flows for the nine-month periods ended September 30, 2013 and September 30, 2012. Operating results for the nine months ended September 30, 2013 are not necessarily indicative of the results that may be expected for the year ending December 31, 2013.

	The accompanying consolidated financial statements should be read in conjunction with the consolidated financial statements and footnotes thereto included in the Registrant's Annual Report on Form 10-K for the year ended December 31, 2012.

	Allowance for Loan Losses
	The allowance for loan losses is maintained at a level believed adequate by management to absorb probable incurred losses inherent in the consolidated loan portfolio. Management’s evaluation of the adequacy of the allowance is an estimate based on reviews of individual loans, assessments of the impact of current economic conditions on the portfolio and historical loss experience of seasoned loan portfolios. See Note 3 to the interim consolidated financial statements for additional information.

	Management believes the accounting estimate related to the allowance for loan losses is a “critical accounting estimate” because (1) the estimate is highly susceptible to change from period to period because of assumptions concerning the changes in the types and volumes of the portfolios and economic conditions and (2) the impact of recognizing an impairment or loan loss could have a material effect on ChoiceOne’s assets reported on the balance sheet as well as its net income.

	Stock Transactions
	A total of 3,411 shares of common stock were issued to the Registrant’s Board of Directors for a cash price of $54,000 under the terms of the Directors’ Stock Purchase Plan in the first nine months of 2013. A total of 3,563 shares were issued to employees for a cash price of $50,000 under the Employee Stock Purchase Plan in the first three quarters of 2013. A total of 191 shares were issued upon the exercise of stock options in the first three quarters of 2013. A total of 11,468 shares of common stock were repurchased in the first three quarters of 2013.

	Stock-Based Compensation
	Effective July 1, 2013, ChoiceOne granted Restricted Stock Units to a select group of employees under the Stock Incentive Plan of 2012. All of the Restricted Stock Units are initially unvested and vest in three annual installments on each of the next three anniversaries of the grant date. Certain additional vesting provisions apply. Each unit, once vested, is settled by delivery of one share of ChoiceOne common stock.

	Reclassifications
	Certain amounts presented in prior periods have been reclassified to conform to the current presentation.

	New Accounting Pronouncements
	In February 2013, the Financial Accounting Standards Board issued Accounting Standards Update No. 2013-02, Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income (“ASU 2013-02”), to improve the reporting of reclassifications out of accumulated other comprehensive income. ASU 2013-02 requires that an entity report the effect of significant reclassifications out of accumulated other comprehensive income on the respective line items in net income if the amount being reclassified is required under U.S. generally accepted accounting principles (“GAAP”) to be reclassified in its entirety to net income. For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income in the same reporting period, an entity is required to cross-reference other disclosures required under U.S. GAAP that provide additional detail about these amounts. ASU 2013-02 is effective prospectively for reporting periods beginning after December 15, 2012. ChoiceOne adopted ASU 2013-02 as of January 1, 2013.

Securities

Securities	9 Months Ended
Securities	Sep. 30, 2013
Securities	'
Securities	'
	NOTE 2 - SECURITIES

	The fair value of securities available for sale and the related gross unrealized gains and losses recognized in accumulated other comprehensive income (loss) were as follows:

				30-Sep-13
				Gross		Gross
		Amortized		Unrealized		Unrealized			Fair
	(Dollars in thousands)	Cost		Gains		Losses			Value
	U.S. Government and federal agency	$	36,977	$	178	$	(429	)	$	36,726
	U.S. Treasury		7,305		17		(86	)		7,236
	State and municipal		65,145		1,634		(1,024	)		65,755
	Mortgage-backed		8,161		121		(66	)		8,216
	Corporate		6,958		61		(31	)		6,988
	Foreign debt		1,000		-		(18	)		982
	Equity securities		1,651		4		(116	)		1,539
	Total	$	127,197	$	2,015	$	(1,770	)	$	127,442

				31-Dec-12
				Gross		Gross
		Amortized		Unrealized		Unrealized			Fair
	(Dollars in thousands)	Cost		Gains		Losses			Value
	U.S. Government and federal agency	$	39,815	$	455	$	(2	)	$	40,268
	U.S. Treasury		7,362		45		(9	)		7,398
	State and municipal		62,248		2,668		(238	)		64,678
	Mortgage-backed		12,218		308		-			12,526
	Corporate		6,600		113		(1	)		6,712
	Foreign debt		1,000		1		-			1,001
	Equity securities		1,902		12		(5	)		1,909
	Total	$	131,145	$	3,602	$	(255	)	$	134,492

	ChoiceOne reviews its securities portfolio on a quarterly basis to determine whether unrealized losses are considered to be temporary or other-than-temporary. No other-than-temporary impairment charges were recorded during the nine months ended September 30, 2013. ChoiceOne believed that unrealized losses on securities were temporary in nature and were due to changes in interest rates and reduced market liquidity and not as a result of credit quality issues.

Loans_and_Allowance_for_Loan_L

Loans and Allowance for Loan Losses	9 Months Ended
Loans and Allowance for Loan Losses	Sep. 30, 2013
Loans And Allowance For Loan Losses	'
Loans And Allowance For Loan Losses	'
	NOTE 3 – LOANS AND ALLOWANCE FOR LOAN LOSSES

	Activity in the allowance for loan losses and balances in the loan portfolio were as follows:

	(Dollars in thousands)
							Commercial
							and								Commercial				Construction				Residential
			Agricultural				Industrial				Consumer				Real Estate				Real Estate				Real Estate				Unallocated			Total
	Allowance for Loan Losses
	Three Months Ended
	30-Sep-13
	Beginning balance		$	140			$	810			$	215			$	2,450			$	20			$	1,671			$	558		$	5,864
	Charge-offs			(88	)			(5	)			(102	)			—				—				(148	)			—			(343	)
	Recoveries			3				19				41				24				—				104				—			191
	Provision			83				(203	)			51				74				(7	)			126				(124	)		—
	Ending balance		$	138			$	621			$	205			$	2,548			$	13			$	1,753			$	434		$	5,712

	Nine Months Ended
	30-Sep-13
	Beginning balance		$	140			$	381			$	250			$	2,596			$	15			$	1,923			$	547		$	5,852
	Charge-offs			(88	)			(54	)			(286	)			(166	)			—				(431	)			—			(1,025	)
	Recoveries			5				258				145				55				—				122				—			585
	Provision			81				36				96				63				(2	)			139				(113	)		300
	Ending balance		$	138			$	621			$	205			$	2,548			$	13			$	1,753			$	434		$	5,712

	Individually evaluated for impairment		$	—			$	174			$	4			$	1,145			$	—			$	492			$	—		$	1,815

	Collectively evaluated for impairment		$	138			$	490			$	201			$	1,360			$	13			$	1,261			$	434		$	3,897

	Three Months Ended
	30-Sep-12
	Beginning balance		$	121			$	690			$	236			$	2,611			$	15			$	1,674			$	262		$	5,609
	Charge-offs			—				(347	)			(128	)			(84	)			—				(44	)			—			(603	)
	Recoveries			1				15				52				192				—				7				—			267
	Provision			18				313				70				(378	)			(3	)			215				265			500
	Ending balance		$	140			$	671			$	230			$	2,341			$	12			$	1,852			$	527		$	5,773

	Nine Months Ended
	30-Sep-12
	Beginning balance		$	55			$	609			$	197			$	2,300			$	34			$	1,846			$	172		$	5,213
	Charge-offs			—				(377	)			(261	)			(518	)			—				(784	)			—			(1,940	)
	Recoveries			4				45				177				213				—				86				—			525
	Provision			81				394				117				346				(22	)			704				355			1,975
	Ending balance		$	140			$	671			$	230			$	2,341			$	12			$	1,852			$	527		$	5,773

	Individually evaluated for impairment		$	—			$	159			$	—			$	101			$	—			$	—			$	—		$	260

	Collectively evaluated for impairment		$	140			$	512			$	230			$	2,240			$	12			$	1,852			$	527		$	5,513
	30-Sep-13
	Individually evaluated for impairment		$	307			$	585			$	42			$	5,811			$	—			$	2,759			$	—		$	9,504

	Collectively evaluated for impairment			34,227				69,039				20,012				90,159				959				91,792				—			306,188
	Ending balance		$	34,534			$	69,624			$	20,054			$	95,970			$	959			$	94,551			$	—		$	315,692
	31-Dec-12
	Individually evaluated for impairment		$	166			$	198			$	32			$	3,723			$	—			$	1,820			$	—		$	5,939
	Collectively evaluated for impairment			31,624				67,167				19,335				89,589				1,056				96,758				—			305,529
	Ending balance		$	31,790			$	67,365			$	19,367			$	93,312			$	1,056			$	98,578			$	—		$	311,468

	The process to monitor the credit quality of ChoiceOne’s loan portfolio includes tracking (1) the risk ratings of business loans, (2) the level of classified business loans, and (3) delinquent and nonperforming consumer loans. Business loans are risk rated on a scale of 1 to 8. A description of the characteristics of the ratings follows:

	Risk ratings 1 and 2: These loans are considered pass credits. They exhibit good to exceptional credit risk and demonstrate the ability to repay the loan from normal business operations.

	Risk rating 3: These loans are considered pass credits. They exhibit acceptable credit risk and demonstrate the ability to repay the loan from normal business operations.

Risk rating 4: These loans are considered pass credits. However, they have potential developing weaknesses that, if not corrected, may cause deterioration in the ability of the borrower to repay the loan. While a loss is possible for a loan with this rating, it is not anticipated.

Risk rating 5: These loans are considered special mention credits. Loans in this risk rating are considered to be inadequately protected by the net worth and debt service coverage of the borrower or of any pledged collateral. These loans have well defined weaknesses that may jeopardize the borrower’s ability to repay the loan. If the weaknesses are not corrected, loss of principal and interest could be probable.

Risk rating 6: These loans are considered substandard credits. These loans have well defined weaknesses, the severity of which makes collection of principal and interest in full, questionable. Loans in this category may be placed on nonaccrual status.

Risk rating 7: These loans are considered doubtful credits. Some loss of principal and interest has been determined to be probable. The estimate of the amount of loss could be affected by factors such as the borrower’s ability to provide additional capital or collateral. Loans in this category are on nonaccrual status.

Risk rating 8: These loans are considered loss credits. They are considered uncollectible and will be charged off against the allowance for loan losses.

Information regarding the Bank’s credit exposure is as follows:

(Dollars in thousands)
Corporate Credit Exposure - Credit Risk Profile By Creditworthiness Category

		Agricultural								Commercial and Industrial								Commercial Real Estate
		September 30,				December 31,				September 30,				December 31,				September 30,				December 31,
		2013				2012				2013				2012				2013				2012
Risk ratings 1 and 2		$	10,795			$	8,615			$	10,046			$	9,040			$	3,100			$	2,711
Risk rating 3			17,019				16,173				45,230				43,549				47,888				45,295
Risk rating 4			5,543				5,040				12,879				13,417				30,132				30,223
Risk rating 5			1,177				1,939				963				855				7,284				7,847
Risk rating 6			—				19				418				361				7,140				6,960
Risk rating 7			—				4				88				143				426				276
		$	34,534			$	31,790			$	69,624			$	67,365			$	95,970			$	93,312

Corporate Credit Exposure - Credit Risk Profile Based On Payment Activity

		Consumer								Construction Real Estate								Residential Real Estate
		September 30,				December 31,				September 30,				December 31,				September 30,				December 31,
		2013				2012				2013				2012				2013				2012
Performing		$	20,043			$	19,334			$	959			$	1,056			$	94,467			$	98,018
Nonperforming			11				33				—				—				84				560
		$	20,054			$	19,367			$	959			$	1,056			$	94,551			$	98,578

The following schedule provides information on loans that were TDRs as of September 30, 2013 that were modified during the third quarter and nine months ended September 30, 2013:

		Three Months Ended												Nine Months Ended
		30-Sep-13												30-Sep-13
						Pre-				Post-								Pre-				Post-
						Modification				Modification								Modification				Modification
						Outstanding				Outstanding								Outstanding				Outstanding
		Number of				Recorded				Recorded				Number of				Recorded				Recorded
(Dollars in thousands)		Loans				Investment				Investment				Loans				Investment				Investment
Commercial real estate			1			$	214			$	214				1			$	214			$	214

There were no loans that were considered TDRs as of September 30, 2012 that were modified during the three months ended September 30, 2012. The following schedule provides information on loans that were TDRs as of September 30, 2012 that were modified during the nine months ended September 30, 2012:

		Nine Months Ended September 30, 2012
						Pre-				Post-
						Modification				Modification
						Outstanding				Outstanding
		Number of				Recorded				Recorded
(Dollars in thousands)		Loans				Investment				Investment
Agricultural			1			$	73			$	73
Commercial and industrial			2				158				149
Consumer			1				33				33
Commercial real estate			2				145				145
Residential real estate			3				355				355
			9			$	764			$	755

The pre-modification and post-modification outstanding recorded investment represents amounts as of the date of loan modification. If a difference exists between the pre-modification and post-modification outstanding recorded investment, it represents impairment recognized through the provision for loan losses computed based on a loan’s post-modification present value of expected future cash flows discounted at the loan’s original effective interest rate. If no difference exists, a loss is not expected to be incurred based on an assessment of the borrower’s expected cash flows.

The following schedule provides information on TDRs as of September 30, 2013 where the borrower was past due with respect to principal and/or interest for 30 days or more during the three months and nine months ended September 30, 2013 that had been modified during the year prior to the default:

		Three Months Ended								Nine Months Ended
		30-Sep-13								30-Sep-13
		Number				Recorded				Number				Recorded
(Dollars in thousands)		of Loans				Investment				of Loans				Investment
Commercial and industrial			—			$	—				1			$	88
Commercial real estate			1				246				2				368
Consumer			—				—				1				29
			1			$	246				4			$	485

The following schedule provides information on TDRs as of September 30, 2012 where the borrower was past due with respect to principal and/or interest for 30 days or more during the three months and nine months ended September 30, 2012 that had been modified during the year prior to the default:

		Three Months Ended								Nine Months Ended
		30-Sep-12								30-Sep-12
		Number				Recorded				Number				Recorded
(Dollars in thousands)		of Loans				Investment				of Loans				Investment
Commercial and industrial			3			$	198				3			$	198
Commercial real estate			3				757				5				1,341
Consumer			1				32				1				32
Residential real estate			—				—				5				642
			7			$	987				14			$	2,213

Loans are classified as performing when they are current as to principal and interest payments or are past due on payments less than 90 days. Loans are classified as nonperforming when they are past due 90 days or more as to principal or interest payments or are considered a troubled debt restructuring.

Impaired loans by loan category follow:

(Dollars in thousands)
						Unpaid								Average				Interest
		Recorded				Principal				Related				Recorded				Income
		Investment				Balance				Allowance				Investment				Recognized
30-Sep-13
With no related allowance recorded
Agricultural		$	——			$	—			$	—			$	142			$	7
Commercial and industrial			11				14				—				49				—
Consumer			2				2				—				3				—
Commercial real estate			750				1,162				—				670				(1	)
Residential real estate			483				689				—				348				3
Subtotal			1,246				1,867				—				1,212				9
With an allowance recorded
Agricultural			307				307				—				140				1
Commercial and industrial			574				621				174				334				7
Consumer			40				40				4				45				3
Commercial real estate			5,061				4,883				1,145				4,305				200
Residential real estate			2,276				2,282				492				2,275				61
Subtotal			8,258				8,133				1,815				7,099				272
Total
Agricultural			307				307				—				282				8
Commercial and industrial			585				635				174				383				7
Consumer			42				42				4				48				3
Commercial real estate			5,811				6,045				1,145				4,975				199
Residential real estate			2,759				2,971				492				2,623				64
Total		$	9,504			$	10,000			$	1,815			$	8,311			$	281

31-Dec-12
With no related allowance recorded
Agricultural		$	94			$	441			$	—			$	19			$	—
Commercial and industrial			49				49				—				223				6
Consumer			—				—				—				—				—
Commercial real estate			577				848				—				1,586				—
Residential real estate			—				—				—				1,366				48
Subtotal			720				1,338				—				3,194				54
With an allowance recorded
Agricultural			72				72				1				14				1
Commercial and industrial			149				169				112				112				—
Consumer			32				32				—				6				—
Commercial real estate			3,146				3,193				449				1,576				24
Residential real estate			1,820				1,820				138				364				20
Subtotal			5,219				5,286				700				2,072				45
Total
Agricultural			166				513				1				33				1
Commercial and industrial			198				218				112				335				6
Consumer			32				32				—				6				—
Commercial real estate			3,723				4,041				449				3,162				24
Residential real estate			1,820				1,820				138				1,730				68
Total		$	5,939			$	6,624			$	700			$	5,266			$	99


An aging analysis of loans by loan category follows:

(Dollars in thousands)
		30 to 59				60 to 89				Greater								Loans Not								90 Days Past
		30 to 59				60 to 89				Than 90								Loans Not								Due and
		Days				Days				Days (1)				Total				Past Due				Total Loans				Accruing
30-Sep-13
Agricultural		$	5			$	150			$	307			$	462			$	34,072			$	34,534			$	—
Commercial and industrial			280				5				88				373				69,251				69,624				—
Consumer			41				11				13				65				19,989				20,054				11
Commercial real estate			1,961				206				630				2,797				93,173				95,970				—
Construction real estate			—				—				—				—				959				959				—
Residential real estate			1,230				249				354				1,833				92,718				94,551				84
		$	3,517			$	621			$	1,392			$	5,530			$	310,162			$	315,692			$	95


31-Dec-12
Agricultural		$	262			$	—			$	—			$	262			$	31,528			$	31,790			$	—
Commercial and industrial			102				4				198				304				67,061				67,365				—
Consumer			173				28				33				234				19,133				19,367				1
Commercial real estate			64				68				339				471				92,841				93,312				—
Construction real estate			—				—				—				—				1,056				1,056				—
Residential real estate			1,438				691				559				2,688				95,890				98,578				29
		$	2,039			$	791			$	1,129			$	3,959			$	307,509			$	311,468			$	30

-1	Includes nonaccrual loans.

Nonaccrual loans by loan category follow:

(Dollars in thousands)
		September 30,				December 31,
		2013				2012
Agricultural		$	307			$	94
Commercial and industrial			530				220
Consumer			4				33
Commercial real estate			1,090				1,230
Construction real estate			—				—
Residential real estate			1,041				754
		$	2,972			$	2,331

Earnings_Per_Share

Earnings Per Share	9 Months Ended
Earnings Per Share	Sep. 30, 2013
Earnings Per Share [Abstract]	'
Earnings Per Share	'
	NOTE 4 - EARNINGS PER SHARE

	Earnings per share are based on the weighted average number of shares outstanding during the period. A computation of basic earnings per share and diluted earnings per share follows:

	(Dollars in thousands, except per share data)	Three Months Ended				Nine Months Ended
	(Dollars in thousands, except per share data)	September 30,				September 30,
		2013		2012		2013		2012
	Basic Earnings Per Share
	Net income available to common shareholders	$	1,201	$	1,122	$	3,748	$	3,158

	Weighted average common shares outstanding		3,294,480		3,299,424		3,298,607		3,296,462

	Basic earnings per share	$	0.37	$	0.34	$	1.14	$	0.96

	Diluted Earnings Per Share
	Net income available to common shareholders	$	1,201	$	1,122	$	3,748	$	3,158

	Weighted average common shares outstanding		3,294,480		3,299,424		3,298,607		3,296,462
	Plus dilutive stock options and restricted stock units		6,135		1,100		5,850		436

	Weighted average common shares outstanding and potentially dilutive shares		3,300,615		3,300,524		3,304,457		3,296,898

	Diluted earnings per share	$	0.36	$	0.34	$	1.13	$	0.96

	There were 24,800 stock options as of September 30, 2013 and 28,625 as of September 30, 2012, that are considered to be anti-dilutive to earnings per share for the three-month and nine-month periods ended September 30, 2013 and 2012. These stock options have been excluded from the calculation above.

Financial_Instruments

Financial Instruments	9 Months Ended
Financial Instruments	Sep. 30, 2013
Financial Instruments	'
Financial Instruments	'
	NOTE 5 – FINANCIAL INSTRUMENTS

	Financial instruments as of the dates indicated were as follows (dollars in thousands):

		Carrying		Estimated		Quoted Prices in		Significant Other		Significant
						Active Markets for		Observable		Unobservable
						Identical Assets		Inputs		Inputs
		Amount		Fair Value		(Level 1)		(Level 2)		(Level 3)
	30-Sep-13
	Assets:
	Cash and due from banks	$	13,694	$	13,694	$	13,694	$	—	$	—
	Securities available for sale		127,442		127,442		155		123,129		4,158
	Federal Home Loan Bank and Federal
	Reserve Bank stock		3,750		3,750		—		3,750		—
	Loans held for sale		973		999		—		999		—
	Loans, net		309,980		312,825		—		—		312,825

	Liabilities:
	Noninterest-bearing deposits		92,078		92,078		—		92,078		—
	Interest-bearing deposits		314,276		314,276		—		314,276		—
	Repurchase agreements		19,218		19,218		—		19,218		—
	Federal Home Loan Bank advances		9,399		9,444		—		9,444		—

	31-Dec-12
	Assets:
	Cash and due from banks	$	19,034	$	19,034	$	19,034	$	—	$	—
	Securities available for sale		134,492		134,492		—		131,893		2,599
	Federal Home Loan Bank and Federal
	Reserve Bank stock		3,750		3,750		—		3,750		—
	Loans held for sale		1,874		1,933		—		1,933		—
	Loans, net		305,616		310,175		—		—		310,175

	Liabilities:
	Noninterest-bearing deposits		101,861		101,861		—		101,861		—
	Interest-bearing deposits		322,338		323,457		—		323,457		—
	Repurchase agreements		19,572		19,572		—		19,572		—
	Federal Home Loan Bank advances		420		485		—		485		—

	The estimated fair values approximate the carrying amounts for all assets and liabilities except those described later in this paragraph. The methodology for determining the estimated fair value for securities available for sale is described in Note 6. The estimated fair value for loans is based on the rates charged at September 30, 2013 and December 31, 2012 for new loans with similar maturities, applied until the loan is assumed to reprice or be paid. The allowance for loan losses is considered to be a reasonable estimate of discount for credit quality concerns. The estimated fair values for time deposits and Federal Home Loan Bank (“FHLB”) advances are based on the rates paid at September 30, 2013 and December 31, 2012 for new deposits or FHLB advances, applied until maturity. The estimated fair values for other financial instruments and off-balance sheet loan commitments are considered nominal.

Fair_Value_Measurements

Fair Value Measurements	9 Months Ended
Fair Value Measurements	Sep. 30, 2013
Fair Value Measurements	'
Fair Value Measurements	'
	NOTE 6 – FAIR VALUE MEASUREMENTS

	The following tables present information about the Bank’s assets and liabilities measured at fair value on a recurring basis and the valuation techniques used by the Bank to determine those fair values.

	In general, fair values determined by Level 1 inputs use quoted prices in active markets for identical assets or liabilities that the Bank has the ability to access.

	Fair values determined by Level 2 inputs use other inputs that are observable, either directly or indirectly. These Level 2 inputs include quoted prices for similar assets and liabilities in active markets, and other inputs such as interest rates and yield curves that are observable at commonly quoted intervals.

	Level 3 inputs are unobservable inputs, including inputs that are available in situations where there is little, if any, market activity for the related asset or liability.

	In instances where inputs used to measure fair value fall into different levels in the above fair value hierarchy, fair value measurements in their entirety are categorized based on the lowest level input that is significant to the valuation. The Bank’s assessment of the significance of particular inputs to these fair value measurements requires judgment and considers factors specific to each asset or liability.

	There were no liabilities measured at fair value as of September 30, 2013 or December 31, 2012. Disclosures concerning assets measured at fair value are as follows:

	Assets Measured at Fair Value on a Recurring Basis
	(Dollars in Thousands)

			Quoted Prices				Significant
			in Active				Other				Significant
			Markets for				Observable				Unobservable
			Identical				Inputs				Inputs			Balance at
			Assets (Level 1)				(Level 2)				(Level 3)			Date Indicated
	Investment Securities, Available for
	Sale – September 30, 2013
	U.S. Treasury		$	—			$	7,236			$	—		$	7,236
	U.S. Government and federal agency			—				36,726				—			36,726
	State and municipal			—				62,097				3,658			65,755
	Mortgage-backed			—				8,216				—			8,216
	Corporate			—				6,988				—			6,988
	Foreign debt			—				982				—			982
	Equity securities			155				884				500			1,539
	Total		$	155			$	123,129			$	4,158		$	127,442

	Investment Securities, Available for
	Sale - December 31, 2012
	U.S. Treasury		$	—			$	7,398			$	—		$	7,398
	U.S. Government and federal agency			—				40,268				—			40,268
	State and municipal			—				62,579				2,099			64,678
	Mortgage-backed			—				12,526				—			12,526
	Corporate			—				6,712				—			6,712
	Foreign debt			—				1,001				—			1,001
	Equity securities			—				1,409				500			1,909
	Total		$	—			$	131,893			$	2,599		$	134,492

	Changes in Level 3 Assets Measured at Fair Value on a Recurring Basis
	(Dollars in Thousands)

			2013				2012
	Investment Securities, Available for Sale
	Balance, January 1		$	2,599			$	2,771
	Total realized and unrealized gains included in income			—				—
	Total unrealized gains included in other comprehensive income			8				6
	Purchases of securities			2,540				563
	Calls, maturities, and payments			(989	)			(244	)
	Transfers into Level 3			—				291
	Transfers out of Level 3			—				(311	)
	Balance, September 30		$	4,158			$	3,076

	Of the Level 3 assets that were held by the Bank at September 30, 2013, the net unrealized gain for the nine months ended September 30, 2013 was $8,000, which is recognized in other comprehensive income in the consolidated balance sheet. Purchases of level 3 securities during the first three quarters of 2013 and 2012 consisted of local municipal issues. There were no sales of Level 3 securities in the first nine months of 2013. One municipal security was reclassified to other assets in the first quarter of 2012. The issuer of the security defaulted upon its maturity of September 1, 2009. Settlement was reached with the security’s issuer in December 2011 and the bond’s carrying value was reclassified upon termination of the bond’s contractual agreement.

	Both observable and unobservable inputs may be used to determine the fair value of positions classified as Level 3 investment securities and liabilities. As a result, the unrealized gains and losses for these assets and liabilities presented in the tables above may include changes in fair value that were attributable to both observable and unobservable inputs.

	Available for sale investment securities categorized as Level 3 assets primarily consist of bonds issued by local municipalities. The Bank estimates the fair value of these bonds based on the present value of expected future cash flows using management’s best estimate of key assumptions, including forecasted interest yield and payment rates, credit quality and a discount rate commensurate with the current market and other risks involved.

The Bank also has assets that under certain conditions are subject to measurement at fair value on a non-recurring basis. These assets are not normally measured at fair value, but can be subject to fair value adjustments in certain circumstances, such as impairment. Disclosures concerning assets measured at fair value on a non-recurring basis are as follows:

Assets Measured at Fair Value on a Non-recurring Basis
(Dollars in Thousands)

						Quoted Prices				Significant
						in Active				Other			Significant
						Markets for				Observable			Unobservable
		Balance at				Identical				Inputs			Inputs
		Dates Indicated				Assets (Level 1)				(Level 2)			(Level 3)
Impaired Loans
30-Sep-13		$	9,504			$	—			$	—		$	9,504
31-Dec-12		$	5,939			$	—			$	—		$	5,939

Other Real Estate
30-Sep-13		$	965			$	—			$	—		$	965
31-Dec-12		$	2,019			$	—			$	—		$	2,019

Impaired loans categorized as Level 3 assets consist of non-homogeneous loans that are considered impaired. The Bank estimates the fair value of the loans based on the present value of expected future cash flows using management’s best estimate of key assumptions. These assumptions include future payment ability, timing of payment streams, and estimated realizable values of available collateral (typically based on outside appraisals). The changes in fair value consisted of charge-downs of impaired loans that were posted to the allowance for loan losses and write-downs of other real estate that were posted to a valuation account.

Summary_of_Significant_Account1

Summary of Significant Accounting Policies (Policies)	9 Months Ended
Summary of Significant Accounting Policies (Policies)	Sep. 30, 2013
Summary Of Significant Accounting Policies Policies	'
Principles of Consolidation	'
	Principles of Consolidation
	The consolidated financial statements include ChoiceOne Financial Services, Inc. (“ChoiceOne” or the “Registrant”) and its wholly-owned subsidiary, ChoiceOne Bank (the “Bank”), and the Bank’s wholly-owned subsidiary, ChoiceOne Insurance Agencies, Inc. Intercompany transactions and balances have been eliminated in consolidation.

	The consolidated financial statements have been prepared in accordance with generally accepted accounting principles for interim financial information, prevailing practices within the banking industry and the instructions to Form 10-Q. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements.

	The accompanying consolidated financial statements reflect all adjustments ordinary in nature which are, in the opinion of management, necessary for a fair presentation of the Consolidated Balance Sheets as of September 30, 2013 and December 31, 2012, the Consolidated Statements of Income for the three- and nine-month periods ended September 30, 2013 and September 30, 2012, the Consolidated Statements of Comprehensive Income for the three- and nine-month periods ended September 30, 2013 and September 30, 2012, the Consolidated Statements of Changes in Shareholders' Equity for the nine-month periods ended September 30, 2013 and September 30, 2012, and the Consolidated Statements of Cash Flows for the nine-month periods ended September 30, 2013 and September 30, 2012. Operating results for the nine months ended September 30, 2013 are not necessarily indicative of the results that may be expected for the year ending December 31, 2013.

	The accompanying consolidated financial statements should be read in conjunction with the consolidated financial statements and footnotes thereto included in the Registrant's Annual Report on Form 10-K for the year ended December 31, 2012.
Allowance for Loan Losses	'
	Allowance for Loan Losses
	The allowance for loan losses is maintained at a level believed adequate by management to absorb probable incurred losses inherent in the consolidated loan portfolio. Management’s evaluation of the adequacy of the allowance is an estimate based on reviews of individual loans, assessments of the impact of current economic conditions on the portfolio and historical loss experience of seasoned loan portfolios. See Note 3 to the interim consolidated financial statements for additional information.

	Management believes the accounting estimate related to the allowance for loan losses is a “critical accounting estimate” because (1) the estimate is highly susceptible to change from period to period because of assumptions concerning the changes in the types and volumes of the portfolios and economic conditions and (2) the impact of recognizing an impairment or loan loss could have a material effect on ChoiceOne’s assets reported on the balance sheet as well as its net income.
Stock Transactions and Stock Based Compensation	'
	Stock Transactions
	A total of 3,411 shares of common stock were issued to the Registrant’s Board of Directors for a cash price of $54,000 under the terms of the Directors’ Stock Purchase Plan in the first nine months of 2013. A total of 3,563 shares were issued to employees for a cash price of $50,000 under the Employee Stock Purchase Plan in the first three quarters of 2013. A total of 191 shares were issued upon the exercise of stock options in the first three quarters of 2013. A total of 11,468 shares of common stock were repurchased in the first three quarters of 2013.

	Stock-Based Compensation
	Effective July 1, 2013, ChoiceOne granted Restricted Stock Units to a select group of employees under the Stock Incentive Plan of 2012. All of the Restricted Stock Units are initially unvested and vest in three annual installments on each of the next three anniversaries of the grant date. Certain additional vesting provisions apply. Each unit, once vested, is settled by delivery of one share of ChoiceOne common stock.

Reclassifications	'
	Reclassifications
	Certain amounts presented in prior periods have been reclassified to conform to the current presentation.
New Accounting Pronouncements	'
	New Accounting Pronouncements
	In February 2013, the Financial Accounting Standards Board issued Accounting Standards Update No. 2013-02, Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income (“ASU 2013-02”), to improve the reporting of reclassifications out of accumulated other comprehensive income. ASU 2013-02 requires that an entity report the effect of significant reclassifications out of accumulated other comprehensive income on the respective line items in net income if the amount being reclassified is required under U.S. generally accepted accounting principles (“GAAP”) to be reclassified in its entirety to net income. For other amounts that are not required under U.S. GAAP to be reclassified in their entirety to net income in the same reporting period, an entity is required to cross-reference other disclosures required under U.S. GAAP that provide additional detail about these amounts. ASU 2013-02 is effective prospectively for reporting periods beginning after December 15, 2012. ChoiceOne adopted ASU 2013-02 as of January 1, 2013.

Securities_Tables

Securities (Tables)	9 Months Ended
Securities (Tables)	Sep. 30, 2013
Securities Tables	'
Schedule of fair value of securities available for sale and the related gross unrealized gains and losses	'
	The fair value of securities available for sale and the related gross unrealized gains and losses recognized in accumulated other comprehensive income (loss) were as follows:

				30-Sep-13
				Gross		Gross
		Amortized		Unrealized		Unrealized			Fair
	(Dollars in thousands)	Cost		Gains		Losses			Value
	U.S. Government and federal agency	$	36,977	$	178	$	(429	)	$	36,726
	U.S. Treasury		7,305		17		(86	)		7,236
	State and municipal		65,145		1,634		(1,024	)		65,755
	Mortgage-backed		8,161		121		(66	)		8,216
	Corporate		6,958		61		(31	)		6,988
	Foreign debt		1,000		-		(18	)		982
	Equity securities		1,651		4		(116	)		1,539
	Total	$	127,197	$	2,015	$	(1,770	)	$	127,442

				31-Dec-12
				Gross		Gross
		Amortized		Unrealized		Unrealized			Fair
	(Dollars in thousands)	Cost		Gains		Losses			Value
	U.S. Government and federal agency	$	39,815	$	455	$	(2	)	$	40,268
	U.S. Treasury		7,362		45		(9	)		7,398
	State and municipal		62,248		2,668		(238	)		64,678
	Mortgage-backed		12,218		308		-			12,526
	Corporate		6,600		113		(1	)		6,712
	Foreign debt		1,000		1		-			1,001
	Equity securities		1,902		12		(5	)		1,909
	Total	$	131,145	$	3,602	$	(255	)	$	134,492

Loans_and_Allowance_for_Loan_L1

Loans and Allowance for Loan Losses (Tables)	9 Months Ended
Loans and Allowance for Loan Losses (Tables)	Sep. 30, 2013
Loans And Allowance For Loan Losses Tables	'
Schedule of activity in the allowance for loan losses and balances in the loan portfolio	'
	Activity in the allowance for loan losses and balances in the loan portfolio were as follows:

	(Dollars in thousands)
						Commercial
						and						Commercial			Construction			Residential
			Agricultural			Industrial			Consumer			Real Estate			Real Estate			Real Estate			Unallocated			Total
	Allowance for Loan Losses
	Three Months Ended
	30-Sep-13
	Beginning balance		$	140		$	810		$	215		$	2,450		$	20		$	1,671		$	558		$	5,864
	Charge-offs			(88	)		(5	)		(102	)		—			—			(148	)		—			(343	)
	Recoveries			3			19			41			24			—			104			—			191
	Provision			83			(203	)		51			74			(7	)		126			(124	)		—
	Ending balance		$	138		$	621		$	205		$	2,548		$	13		$	1,753		$	434		$	5,712

	Nine Months Ended
	30-Sep-13
	Beginning balance		$	140		$	381		$	250		$	2,596		$	15		$	1,923		$	547		$	5,852
	Charge-offs			(88	)		(54	)		(286	)		(166	)		—			(431	)		—			(1,025	)
	Recoveries			5			258			145			55			—			122			—			585
	Provision			81			36			96			63			(2	)		139			(113	)		300
	Ending balance		$	138		$	621		$	205		$	2,548		$	13		$	1,753		$	434		$	5,712

	Individually evaluated for impairment		$	—		$	174		$	4		$	1,145		$	—		$	492		$	—		$	1,815

	Collectively evaluated for impairment		$	138		$	490		$	201		$	1,360		$	13		$	1,261		$	434		$	3,897

	Three Months Ended
	30-Sep-12
	Beginning balance		$	121		$	690		$	236		$	2,611		$	15		$	1,674		$	262		$	5,609
	Charge-offs			—			(347	)		(128	)		(84	)		—			(44	)		—			(603	)
	Recoveries			1			15			52			192			—			7			—			267
	Provision			18			313			70			(378	)		(3	)		215			265			500
	Ending balance		$	140		$	671		$	230		$	2,341		$	12		$	1,852		$	527		$	5,773

	Nine Months Ended
	30-Sep-12
	Beginning balance		$	55		$	609		$	197		$	2,300		$	34		$	1,846		$	172		$	5,213
	Charge-offs			—			(377	)		(261	)		(518	)		—			(784	)		—			(1,940	)
	Recoveries			4			45			177			213			—			86			—			525
	Provision			81			394			117			346			(22	)		704			355			1,975
	Ending balance		$	140		$	671		$	230		$	2,341		$	12		$	1,852		$	527		$	5,773

	Individually evaluated for impairment		$	—		$	159		$	—		$	101		$	—		$	—		$	—		$	260

	Collectively evaluated for impairment		$	140		$	512		$	230		$	2,240		$	12		$	1,852		$	527		$	5,513
	30-Sep-13
	Individually evaluated for impairment		$	307		$	585		$	42		$	5,811		$	—		$	2,759		$	—		$	9,504

	Collectively evaluated for impairment			34,227			69,039			20,012			90,159			959			91,792			—			306,188
	Ending balance		$	34,534		$	69,624		$	20,054		$	95,970		$	959		$	94,551		$	—		$	315,692
	31-Dec-12
	Individually evaluated for impairment		$	166		$	198		$	32		$	3,723		$	—		$	1,820		$	—		$	5,939
	Collectively evaluated for impairment			31,624			67,167			19,335			89,589			1,056			96,758			—			305,529
	Ending balance		$	31,790		$	67,365		$	19,367		$	93,312		$	1,056		$	98,578		$	—		$	311,468
Schedule of the Bank's credit exposure	'
	Information regarding the Bank’s credit exposure is as follows:

	(Dollars in thousands)
	Corporate Credit Exposure - Credit Risk Profile By Creditworthiness Category

			Agricultural						Commercial and Industrial						Commercial Real Estate
			September 30,			December 31,			September 30,			December 31,			September 30,			December 31,
			2013			2012			2013			2012			2013			2012
	Risk ratings 1 and 2		$	10,795		$	8,615		$	10,046		$	9,040		$	3,100		$	2,711
	Risk rating 3			17,019			16,173			45,230			43,549			47,888			45,295
	Risk rating 4			5,543			5,040			12,879			13,417			30,132			30,223
	Risk rating 5			1,177			1,939			963			855			7,284			7,847
	Risk rating 6			—			19			418			361			7,140			6,960
	Risk rating 7			—			4			88			143			426			276
			$	34,534		$	31,790		$	69,624		$	67,365		$	95,970		$	93,312

	Corporate Credit Exposure - Credit Risk Profile Based On Payment Activity

			Consumer						Construction Real Estate						Residential Real Estate
			September 30,			December 31,			September 30,			December 31,			September 30,			December 31,
			2013			2012			2013			2012			2013			2012
	Performing		$	20,043		$	19,334		$	959		$	1,056		$	94,467		$	98,018
	Nonperforming			11			33			—			—			84			560
			$	20,054		$	19,367		$	959		$	1,056		$	94,551		$	98,578

Schedule of troubled debt restructurings	'
	The following schedule provides information on loans that were TDRs as of September 30, 2013 that were modified during the third quarter and nine months ended September 30, 2013:

			Three Months Ended									Nine Months Ended
			30-Sep-13									30-Sep-13
						Pre-			Post-						Pre-			Post-
						Modification			Modification						Modification			Modification
						Outstanding			Outstanding						Outstanding			Outstanding
			Number of			Recorded			Recorded			Number of			Recorded			Recorded
	(Dollars in thousands)		Loans			Investment			Investment			Loans			Investment			Investment
	Commercial real estate			1		$	214		$	214			1		$	214		$	214

	There were no loans that were considered TDRs as of September 30, 2012 that were modified during the three months ended September 30, 2012. The following schedule provides information on loans that were TDRs as of September 30, 2012 that were modified during the nine months ended September 30, 2012:

			Nine Months Ended September 30, 2012
						Pre-			Post-
						Modification			Modification
						Outstanding			Outstanding
			Number of			Recorded			Recorded
	(Dollars in thousands)		Loans			Investment			Investment
	Agricultural			1		$	73		$	73
	Commercial and industrial			2			158			149
	Consumer			1			33			33
	Commercial real estate			2			145			145
	Residential real estate			3			355			355
				9		$	764		$	755

	The following schedule provides information on TDRs as of September 30, 2013 where the borrower was past due with respect to principal and/or interest for 30 days or more during the three months and nine months ended September 30, 2013 that had been modified during the year prior to the default:

			Three Months Ended						Nine Months Ended
			30-Sep-13						30-Sep-13
			Number			Recorded			Number			Recorded
	(Dollars in thousands)		of Loans			Investment			of Loans			Investment
	Commercial and industrial			—		$	—			1		$	88
	Commercial real estate			1			246			2			368
	Consumer			—			—			1			29
				1		$	246			4		$	485

	The following schedule provides information on TDRs as of September 30, 2012 where the borrower was past due with respect to principal and/or interest for 30 days or more during the three months and nine months ended September 30, 2012 that had been modified during the year prior to the default:

			Three Months Ended						Nine Months Ended
			30-Sep-12						30-Sep-12
			Number			Recorded			Number			Recorded
	(Dollars in thousands)		of Loans			Investment			of Loans			Investment
	Commercial and industrial			3		$	198			3		$	198
	Commercial real estate			3			757			5			1,341
	Consumer			1			32			1			32
	Residential real estate			—			—			5			642
				7		$	987			14		$	2,213
Schedule of loans individually evaluated and considered impaired	'
	Impaired loans by loan category follow:

	(Dollars in thousands)
						Unpaid						Average			Interest
			Recorded			Principal			Related			Recorded			Income
			Investment			Balance			Allowance			Investment			Recognized
	30-Sep-13
	With no related allowance recorded
	Agricultural		$	——		$	—		$	—		$	142		$	7
	Commercial and industrial			11			14			—			49			—
	Consumer			2			2			—			3			—
	Commercial real estate			750			1,162			—			670			(1	)
	Residential real estate			483			689			—			348			3
	Subtotal			1,246			1,867			—			1,212			9
	With an allowance recorded
	Agricultural			307			307			—			140			1
	Commercial and industrial			574			621			174			334			7
	Consumer			40			40			4			45			3
	Commercial real estate			5,061			4,883			1,145			4,305			200
	Residential real estate			2,276			2,282			492			2,275			61
	Subtotal			8,258			8,133			1,815			7,099			272
	Total
	Agricultural			307			307			—			282			8
	Commercial and industrial			585			635			174			383			7
	Consumer			42			42			4			48			3
	Commercial real estate			5,811			6,045			1,145			4,975			199
	Residential real estate			2,759			2,971			492			2,623			64
	Total		$	9,504		$	10,000		$	1,815		$	8,311		$	281

	31-Dec-12
	With no related allowance recorded
	Agricultural		$	94		$	441		$	—		$	19		$	—
	Commercial and industrial			49			49			—			223			6
	Consumer			—			—			—			—			—
	Commercial real estate			577			848			—			1,586			—
	Residential real estate			—			—			—			1,366			48
	Subtotal			720			1,338			—			3,194			54
	With an allowance recorded
	Agricultural			72			72			1			14			1
	Commercial and industrial			149			169			112			112			—
	Consumer			32			32			—			6			—
	Commercial real estate			3,146			3,193			449			1,576			24
	Residential real estate			1,820			1,820			138			364			20
	Subtotal			5,219			5,286			700			2,072			45
	Total
	Agricultural			166			513			1			33			1
	Commercial and industrial			198			218			112			335			6
	Consumer			32			32			—			6			—
	Commercial real estate			3,723			4,041			449			3,162			24
	Residential real estate			1,820			1,820			138			1,730			68
	Total		$	5,939		$	6,624		$	700		$	5,266		$	99

Schedule of aging analysis of loans by loan category	'
	An aging analysis of loans by loan category follows:

	(Dollars in thousands)
			30 to 59			60 to 89			Greater						Loans Not						90 Days Past
			30 to 59			60 to 89			Than 90						Loans Not						Due and
			Days			Days			Days (1)			Total			Past Due			Total Loans			Accruing
	30-Sep-13
	Agricultural		$	5		$	150		$	307		$	462		$	34,072		$	34,534		$	—
	Commercial and industrial			280			5			88			373			69,251			69,624			—
	Consumer			41			11			13			65			19,989			20,054			11
	Commercial real estate			1,961			206			630			2,797			93,173			95,970			—
	Construction real estate			—			—			—			—			959			959			—
	Residential real estate			1,230			249			354			1,833			92,718			94,551			84
			$	3,517		$	621		$	1,392		$	5,530		$	310,162		$	315,692		$	95


	31-Dec-12
	Agricultural		$	262		$	—		$	—		$	262		$	31,528		$	31,790		$	—
	Commercial and industrial			102			4			198			304			67,061			67,365			—
	Consumer			173			28			33			234			19,133			19,367			1
	Commercial real estate			64			68			339			471			92,841			93,312			—
	Construction real estate			—			—			—			—			1,056			1,056			—
	Residential real estate			1,438			691			559			2,688			95,890			98,578			29
			$	2,039		$	791		$	1,129		$	3,959		$	307,509		$	311,468		$	30

	-1	Includes nonaccrual loans.
Schedule of nonaccrual loans by loan category	'
	Nonaccrual loans by loan category follow:

	(Dollars in thousands)
			September 30,			December 31,
			2013			2012
	Agricultural		$	307		$	94
	Commercial and industrial			530			220
	Consumer			4			33
	Commercial real estate			1,090			1,230
	Construction real estate			—			—
	Residential real estate			1,041			754
			$	2,972		$	2,331

Earnings_Per_Share_Tables

Earnings Per Share (Tables)	9 Months Ended
Earnings Per Share (Tables)	Sep. 30, 2013
Earnings Per Share Tables	'
Schedule of basic earnings per share and diluted earnings per share	'
	A computation of basic earnings per share and diluted earnings per share follows:

	(Dollars in thousands, except per share data)	Three Months Ended				Nine Months Ended
	(Dollars in thousands, except per share data)	September 30,				September 30,
		2013		2012		2013		2012
	Basic Earnings Per Share
	Net income available to common shareholders	$	1,201	$	1,122	$	3,748	$	3,158

	Weighted average common shares outstanding		3,294,480		3,299,424		3,298,607		3,296,462

	Basic earnings per share	$	0.37	$	0.34	$	1.14	$	0.96

	Diluted Earnings Per Share
	Net income available to common shareholders	$	1,201	$	1,122	$	3,748	$	3,158

	Weighted average common shares outstanding		3,294,480		3,299,424		3,298,607		3,296,462
	Plus dilutive stock options and restricted stock units		6,135		1,100		5,850		436

	Weighted average common shares outstanding and potentially dilutive shares		3,300,615		3,300,524		3,304,457		3,296,898

	Diluted earnings per share	$	0.36	$	0.34	$	1.13	$	0.96

Financial_Instruments_Tables

Financial Instruments (Tables)	9 Months Ended
Financial Instruments (Tables)	Sep. 30, 2013
Financial Instruments Tables	'
Schedule of carrying value and fair value of financial assets and liabilities	'
	Financial instruments as of the dates indicated were as follows (dollars in thousands):

		Carrying		Estimated		Quoted Prices in		Significant Other		Significant
						Active Markets for		Observable		Unobservable
						Identical Assets		Inputs		Inputs
		Amount		Fair Value		(Level 1)		(Level 2)		(Level 3)
	30-Sep-13
	Assets:
	Cash and due from banks	$	13,694	$	13,694	$	13,694	$	—	$	—
	Securities available for sale		127,442		127,442		155		123,129		4,158
	Federal Home Loan Bank and Federal
	Reserve Bank stock		3,750		3,750		—		3,750		—
	Loans held for sale		973		999		—		999		—
	Loans, net		309,980		312,825		—		—		312,825

	Liabilities:
	Noninterest-bearing deposits		92,078		92,078		—		92,078		—
	Interest-bearing deposits		314,276		314,276		—		314,276		—
	Repurchase agreements		19,218		19,218		—		19,218		—
	Federal Home Loan Bank advances		9,399		9,444		—		9,444		—

	31-Dec-12
	Assets:
	Cash and due from banks	$	19,034	$	19,034	$	19,034	$	—	$	—
	Securities available for sale		134,492		134,492		—		131,893		2,599
	Federal Home Loan Bank and Federal
	Reserve Bank stock		3,750		3,750		—		3,750		—
	Loans held for sale		1,874		1,933		—		1,933		—
	Loans, net		305,616		310,175		—		—		310,175

	Liabilities:
	Noninterest-bearing deposits		101,861		101,861		—		101,861		—
	Interest-bearing deposits		322,338		323,457		—		323,457		—
	Repurchase agreements		19,572		19,572		—		19,572		—
	Federal Home Loan Bank advances		420		485		—		485		—

Fair_Value_Measurements_Tables

Fair Value Measurements (Tables)	9 Months Ended
Fair Value Measurements (Tables)	Sep. 30, 2013
Fair Value Measurements Tables	'
Schedule of Assets Measured at Fair Value on a Recurring Basis	'
	Disclosures concerning assets measured at fair value are as follows:

	Assets Measured at Fair Value on a Recurring Basis
	(Dollars in Thousands)

		Quoted Prices			Significant
		in Active			Other			Significant
		Markets for			Observable			Unobservable
		Identical			Inputs			Inputs		Balance at
		Assets (Level 1)			(Level 2)			(Level 3)		Date Indicated
	Investment Securities, Available for
	Sale – September 30, 2013
	U.S. Treasury	$	—		$	7,236		$	—	$	7,236
	U.S. Government and federal agency		—			36,726			—		36,726
	State and municipal		—			62,097			3,658		65,755
	Mortgage-backed		—			8,216			—		8,216
	Corporate		—			6,988			—		6,988
	Foreign debt		—			982			—		982
	Equity securities		155			884			500		1,539
	Total	$	155		$	123,129		$	4,158	$	127,442

	Investment Securities, Available for
	Sale - December 31, 2012
	U.S. Treasury	$	—		$	7,398		$	—	$	7,398
	U.S. Government and federal agency		—			40,268			—		40,268
	State and municipal		—			62,579			2,099		64,678
	Mortgage-backed		—			12,526			—		12,526
	Corporate		—			6,712			—		6,712
	Foreign debt		—			1,001			—		1,001
	Equity securities		—			1,409			500		1,909
	Total	$	—		$	131,893		$	2,599	$	134,492
Schedule of Changes in Level 3 Assets and Liabilities Measured at Fair Value on a Recurring Basis	'
	Changes in Level 3 Assets Measured at Fair Value on a Recurring Basis
	(Dollars in Thousands)

		2013			2012
	Investment Securities, Available for Sale
	Balance, January 1	$	2,599		$	2,771
	Total realized and unrealized gains included in income		-			-
	Total unrealized gains included in other comprehensive income		8			6
	Purchases of securities		2,540			563
	Calls, maturities, and payments		(989	)		(244	)
	Transfers into Level 3		-			291
	Transfers out of Level 3		-			(311	)
	Balance, September 30	$	4,158		$	3,076
Schedule of Assets Measured at Fair Value on a Nonrecurring Basis	'
	Disclosures concerning assets measured at fair value on a non-recurring basis are as follows:

	Assets Measured at Fair Value on a Non-recurring Basis
	(Dollars in Thousands)

					Quoted Prices			Significant
					in Active			Other		Significant
					Markets for			Observable		Unobservable
		Balance at			Identical			Inputs		Inputs
		Dates Indicated			Assets (Level 1)			(Level 2)		(Level 3)
	Impaired Loans
	30-Sep-13	$	9,504		$	-		$	-	$	9,504
	31-Dec-12	$	5,939		$	-		$	-	$	5,939

	Other Real Estate
	30-Sep-13	$	965		$	-		$	-	$	965
	31-Dec-12	$	2,019		$	-		$	-	$	2,019

Summary_of_Significant_Account2

Summary of Significant Accounting Policies (Details Narrative) (USD $)	9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013
Shares issued, stock options	191
Directors' Stock Purchase Plan	'
Shares issued, stock purchase plan	54,000
Shares issued, stock purchase plan, shares	3,411
Shared repurchased, shares	11,468
Employee Stock Purchase Plan	'
Shares issued, stock purchase plan	50,000
Shares issued, stock purchase plan, shares	3,563

Securities_Details

Securities (Details) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012	Dec. 31, 2013
Amortized Cost	$127,197	$131,145	'
Gross Unrealized Gains	2,015	3,602	'
Gross Unrealized Losses	-1,770	-255	'
Fair Value	127,442	134,492	'
U.S. Government and federal agency	'	'	'
Amortized Cost	6,977	39,815	'
Gross Unrealized Gains	178	455	'
Gross Unrealized Losses	-429	-2	'
Fair Value	36,726	40,268	'
U.S. Treasury notes and bonds	'	'	'
Amortized Cost	7,305	7,362	'
Gross Unrealized Gains	17	45	'
Gross Unrealized Losses	-86	-9	'
Fair Value	7,236	7,398	'
State and municipal	'	'	'
Amortized Cost	65,145	62,248	'
Gross Unrealized Gains	1,634	2,668	'
Gross Unrealized Losses	-1,024	-238	'
Fair Value	65,755	64,678	'
Mortgage-backed	'	'	'
Amortized Cost	8,161	12,218	'
Gross Unrealized Gains	121	308	'
Gross Unrealized Losses	-66	'	'
Fair Value	8,216	12,526	'
Corporate	'	'	'
Amortized Cost	6,958	6,600	'
Gross Unrealized Gains	61	113	'
Gross Unrealized Losses	-31	-1	'
Fair Value	6,988	6,712	'
Foreign Debt	'	'	'
Amortized Cost	1,000	'	1,000
Gross Unrealized Gains	'	1	'
Gross Unrealized Losses	-18	'	'
Fair Value	982	'	1,001
Equity securities	'	'	'
Amortized Cost	1,651	1,902	'
Gross Unrealized Gains	4	12	'
Gross Unrealized Losses	-116	-5	'
Fair Value	$1,539	$1,909	'

Loans_and_Allowance_for_Loan_L2

Loans and Allowance for Loan Losses (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012	Dec. 31, 2012	Jun. 30, 2012
Beginning balance	$5,864	$5,773	$5,852	$5,213	'	'
Charge-offs	-343	-603	-1,025	-1,940	'	'
Recoveries	191	267	585	525	'	'
Provision	'	500	300	1,975	'	'
Ending balance	5,712	5,773	5,712	5,773	'	'
Individually evaluated for impairment	1,815	260	1,815	260	'	173
Collectively evaluated for impairment	3,897	5,513	3,897	5,513	'	5,436
Individually evaluated for impairment	9,504	'	9,504	'	5,939	'
Collectively evaluated for impairment	306,188	'	306,188	'	305,529	'
Ending balance	315,692	'	315,692	'	311,468	'
Agricultural	'	'	'	'	'	'
Beginning balance	140	121	140	55	'	'
Charge-offs	-88	'	-88	'	'	'
Recoveries	3	1	5	4	'	'
Provision	83	18	81	81	'	'
Ending balance	138	140	138	140	'	'
Individually evaluated for impairment	'	'	'	'	'	'
Collectively evaluated for impairment	138	140	138	140	'	'
Individually evaluated for impairment	307	'	307	'	166	'
Collectively evaluated for impairment	34,227	'	34,227	'	31,624	'
Ending balance	34,534	'	34,534	'	31,790	'
Commercial and Industrial	'	'	'	'	'	'
Beginning balance	810	690	381	609	'	'
Charge-offs	-5	-347	-54	-377	'	'
Recoveries	19	15	258	45	'	'
Provision	-203	131	36	394	'	'
Ending balance	621	671	621	671	'	'
Individually evaluated for impairment	174	159	174	159	'	'
Collectively evaluated for impairment	490	512	490	512	'	'
Individually evaluated for impairment	585	'	585	'	198	'
Collectively evaluated for impairment	69,039	'	69,039	'	67,167	'
Ending balance	69,624	'	69,624	'	67,365	'
Consumer	'	'	'	'	'	'
Beginning balance	215	236	250	197	'	'
Charge-offs	-102	-128	-286	-261	'	'
Recoveries	41	52	145	177	'	'
Provision	51	70	96	117	'	'
Ending balance	205	230	205	230	'	'
Individually evaluated for impairment	4	'	4	'	'	'
Collectively evaluated for impairment	201	230	201	230	'	'
Individually evaluated for impairment	42	'	42	'	32	'
Collectively evaluated for impairment	20,012	'	20,012	'	19,335	'
Ending balance	20,054	'	20,054	'	19,367	'
Commercial Real Estate	'	'	'	'	'	'
Beginning balance	2,450	2,611	2,596	2,300	'	'
Charge-offs	'	-84	-166	-518	'	'
Recoveries	24	192	55	213	'	'
Provision	74	-378	63	346	'	'
Ending balance	2,548	2,341	2,548	2,341	'	'
Individually evaluated for impairment	1,145	101	1,145	101	'	'
Collectively evaluated for impairment	1,360	2,240	1,360	2,240	'	'
Individually evaluated for impairment	5,811	'	5,811	'	3,723	'
Collectively evaluated for impairment	90,159	'	90,159	'	89,589	'
Ending balance	95,970	'	95,970	'	93,312	'
Construction Real Estate	'	'	'	'	'	'
Beginning balance	20	15	15	34	'	'
Charge-offs	'	'	'	'	'	'
Recoveries	'	'	'	'	'	'
Provision	-7	-3	-2	-22	'	'
Ending balance	13	12	13	12	'	'
Individually evaluated for impairment	'	'	'	'	'	'
Collectively evaluated for impairment	13	12	13	12	'	'
Individually evaluated for impairment	'	'	'	'	'	'
Collectively evaluated for impairment	959	'	959	'	1,056	'
Ending balance	959	'	959	'	1,056	'
Residential Real Estate	'	'	'	'	'	'
Beginning balance	1,671	1,674	1,923	1,846	'	'
Charge-offs	-148	-44	-431	-784	'	'
Recoveries	104	7	122	86	'	'
Provision	126	215	139	704	'	'
Ending balance	1,753	1,852	1,753	1,852	'	'
Individually evaluated for impairment	492	'	492	'	'	'
Collectively evaluated for impairment	1,261	1,852	1,261	1,852	'	'
Individually evaluated for impairment	2,759	'	2,759	'	1,820	'
Collectively evaluated for impairment	91,792	'	91,792	'	96,758	'
Ending balance	94,551	'	94,551	'	98,578	'
Unallocated	'	'	'	'	'	'
Beginning balance	558	262	547	172	'	'
Charge-offs	'	'	'	'	'	'
Recoveries	'	'	'	'	'	'
Provision	-124	265	-113	355	'	'
Ending balance	434	527	434	527	'	'
Individually evaluated for impairment	'	'	'	'	'	'
Collectively evaluated for impairment	434	527	434	527	'	'
Individually evaluated for impairment	'	'	'	'	'	'
Collectively evaluated for impairment	'	'	'	'	'	'
Ending balance	'	'	'	'	'	'

Loans_and_Allowance_for_Loan_L3

Loans and Allowance for Loan Losses (Details 1) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Risk rated loans	$315,692	$311,468
Agricultural	'	'
Risk rated loans	34,534	31,790
Agricultural \| Risk ratings 1 and 2	'	'
Risk rated loans	10,795	8,615
Agricultural \| Risk ratings 3	'	'
Risk rated loans	17,019	16,173
Agricultural \| Risk ratings 4	'	'
Risk rated loans	5,543	5,040
Agricultural \| Risk ratings 5	'	'
Risk rated loans	1,177	1,939
Agricultural \| Risk ratings 6	'	'
Risk rated loans	'	19
Agricultural \| Risk ratings 7	'	'
Risk rated loans	'	4
Commercial and Industrial	'	'
Risk rated loans	69,624	67,365
Commercial and Industrial \| Risk ratings 1 and 2	'	'
Risk rated loans	10,046	9,040
Commercial and Industrial \| Risk ratings 3	'	'
Risk rated loans	45,230	43,549
Commercial and Industrial \| Risk ratings 4	'	'
Risk rated loans	12,879	13,417
Commercial and Industrial \| Risk ratings 5	'	'
Risk rated loans	963	855
Commercial and Industrial \| Risk ratings 6	'	'
Risk rated loans	418	361
Commercial and Industrial \| Risk ratings 7	'	'
Risk rated loans	88	143
Commercial Real Estate	'	'
Risk rated loans	95,970	93,312
Commercial Real Estate \| Risk ratings 1 and 2	'	'
Risk rated loans	3,100	2,711
Commercial Real Estate \| Risk ratings 3	'	'
Risk rated loans	47,888	45,295
Commercial Real Estate \| Risk ratings 4	'	'
Risk rated loans	30,132	30,223
Commercial Real Estate \| Risk ratings 5	'	'
Risk rated loans	7,284	7,847
Commercial Real Estate \| Risk ratings 6	'	'
Risk rated loans	7,140	6,960
Commercial Real Estate \| Risk ratings 7	'	'
Risk rated loans	$426	$276

Loans_and_Allowance_for_Loan_L4

Loans and Allowance for Loan Losses (Details 2) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Risk rated loans	$315,692	$311,468
Consumer	'	'
Risk rated loans	20,054	19,367
Consumer \| Performing	'	'
Risk rated loans	20,043	19,334
Consumer \| Nonperforming	'	'
Risk rated loans	11	33
Construction Real Estate	'	'
Risk rated loans	959	1,056
Construction Real Estate \| Performing	'	'
Risk rated loans	959	1,056
Construction Real Estate \| Nonperforming	'	'
Risk rated loans	'	'
Residential Real Estate	'	'
Risk rated loans	94,551	98,578
Residential Real Estate \| Performing	'	'
Risk rated loans	94,467	98,018
Residential Real Estate \| Nonperforming	'	'
Risk rated loans	$84	$560

Loans_and_Allowance_for_Loan_L5

Loans and Allowance for Loan Losses (Details 3) (USD $)	3 Months Ended		9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
	N	N	N	N
Number of contracts	'	'	'	9
Pre-Modification Outstanding Recorded Investment	'	'	'	$764
Post Modification Oustanding Recorded Investment	'	'	'	755
Number of Contracts	1	7	4	14
Post Modification Oustanding Recorded Investment - past due for 30 days or more	246	987	485	2,213
Agricultural	'	'	'	'
Number of contracts	'	'	'	1
Pre-Modification Outstanding Recorded Investment	'	'	'	73
Post Modification Oustanding Recorded Investment	'	'	'	73
Commercial and Industrial	'	'	'	'
Number of contracts	'	'	'	2
Pre-Modification Outstanding Recorded Investment	'	'	'	158
Post Modification Oustanding Recorded Investment	'	'	'	149
Number of Contracts	'	3	1	3
Post Modification Oustanding Recorded Investment - past due for 30 days or more	'	198	88	198
Commercial Real Estate	'	'	'	'
Number of contracts	1	'	1	2
Pre-Modification Outstanding Recorded Investment	214	'	214	145
Post Modification Oustanding Recorded Investment	214	'	214	145
Number of Contracts	1	3	2	5
Post Modification Oustanding Recorded Investment - past due for 30 days or more	246	757	368	1,341
Consumer	'	'	'	'
Number of contracts	'	'	'	1
Pre-Modification Outstanding Recorded Investment	'	'	'	33
Post Modification Oustanding Recorded Investment	'	'	'	33
Number of Contracts	'	1	1	1
Post Modification Oustanding Recorded Investment - past due for 30 days or more	'	32	29	32
Residential Real Estate	'	'	'	'
Number of contracts	'	'	'	3
Pre-Modification Outstanding Recorded Investment	'	'	'	355
Post Modification Oustanding Recorded Investment	'	'	'	355
Number of Contracts	'	'	'	5
Post Modification Oustanding Recorded Investment - past due for 30 days or more	'	'	'	$642

Loans_and_Allowance_for_Loan_L6

Loans and Allowance for Loan Losses (Details 4) (USD $)	9 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Impaired and Restructured Loans with or with no related allowance recorded	'	'
Recorded Investment With no related allowance recorded	$1,246	$720
Unpaid Principal Balance With no related allowance recorded	1,867	1,338
Average Recorded Investment With no related allowance recorded	1,212	3,194
Interest Income Recognized With no related allowance recorded	9	54
Recorded Investment With an allowance recorded	8,258	5,219
Unpaid Principal Balance With an allowance recorded	8,133	5,286
Related Allowance	1,815	700
Average Recorded Investment With an allowance recorded	7,099	2,072
Interest Income Recognized With an allowance recorded	272	45
Recorded Investment	9,504	5,939
Unpaid Principal Balance	10,000	6,624
Average Recorded Investment	8,311	5,266
Interest Income Recognized	281	99
Agricultural	'	'
Impaired and Restructured Loans with or with no related allowance recorded	'	'
Recorded Investment With no related allowance recorded	'	94
Unpaid Principal Balance With no related allowance recorded	'	441
Average Recorded Investment With no related allowance recorded	142	19
Interest Income Recognized With no related allowance recorded	7	'
Recorded Investment With an allowance recorded	307	72
Unpaid Principal Balance With an allowance recorded	307	72
Related Allowance	'	1
Average Recorded Investment With an allowance recorded	140	14
Interest Income Recognized With an allowance recorded	1	1
Recorded Investment	307	166
Unpaid Principal Balance	307	513
Average Recorded Investment	282	33
Interest Income Recognized	8	1
Commercial and Industrial	'	'
Impaired and Restructured Loans with or with no related allowance recorded	'	'
Recorded Investment With no related allowance recorded	11	49
Unpaid Principal Balance With no related allowance recorded	14	49
Average Recorded Investment With no related allowance recorded	49	223
Interest Income Recognized With no related allowance recorded	'	6
Recorded Investment With an allowance recorded	574	149
Unpaid Principal Balance With an allowance recorded	621	169
Related Allowance	174	112
Average Recorded Investment With an allowance recorded	334	112
Interest Income Recognized With an allowance recorded	7	'
Recorded Investment	585	198
Unpaid Principal Balance	635	218
Average Recorded Investment	383	335
Interest Income Recognized	7	6
Consumer	'	'
Impaired and Restructured Loans with or with no related allowance recorded	'	'
Recorded Investment With no related allowance recorded	2	'
Unpaid Principal Balance With no related allowance recorded	2	'
Average Recorded Investment With no related allowance recorded	3	'
Interest Income Recognized With no related allowance recorded	'	'
Recorded Investment With an allowance recorded	40	32
Unpaid Principal Balance With an allowance recorded	40	32
Related Allowance	4	'
Average Recorded Investment With an allowance recorded	45	6
Interest Income Recognized With an allowance recorded	3	'
Recorded Investment	42	32
Unpaid Principal Balance	42	32
Average Recorded Investment	48	6
Interest Income Recognized	3	'
Commercial Real Estate	'	'
Impaired and Restructured Loans with or with no related allowance recorded	'	'
Recorded Investment With no related allowance recorded	750	577
Unpaid Principal Balance With no related allowance recorded	1,162	848
Average Recorded Investment With no related allowance recorded	670	1,586
Interest Income Recognized With no related allowance recorded	-1	'
Recorded Investment With an allowance recorded	5,061	3,146
Unpaid Principal Balance With an allowance recorded	4,883	3,193
Related Allowance	1,145	449
Average Recorded Investment With an allowance recorded	4,305	1,576
Interest Income Recognized With an allowance recorded	200	24
Recorded Investment	5,811	3,723
Unpaid Principal Balance	6,045	4,041
Average Recorded Investment	4,975	3,162
Interest Income Recognized	199	24
Residential Real Estate	'	'
Impaired and Restructured Loans with or with no related allowance recorded	'	'
Recorded Investment With no related allowance recorded	483	'
Unpaid Principal Balance With no related allowance recorded	689	'
Average Recorded Investment With no related allowance recorded	348	1,366
Interest Income Recognized With no related allowance recorded	3	48
Recorded Investment With an allowance recorded	2,276	1,820
Unpaid Principal Balance With an allowance recorded	2,282	1,820
Related Allowance	492	138
Average Recorded Investment With an allowance recorded	2,275	364
Interest Income Recognized With an allowance recorded	61	20
Recorded Investment	2,759	1,820
Unpaid Principal Balance	2,971	1,820
Average Recorded Investment	2,623	1,730
Interest Income Recognized	$64	$68

Loans_and_Allowance_for_Loan_L7

Loans and Allowance for Loan Losses (Details 5) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Aging analysis of past due loans	'	'
Past Due 30 to 59 Days	$3,517	$2,039
Past Due 60 to 89 Days	621	791
Past Due Greater Than 90 Days	1,392	1,129	[1]
Past Due Total	5,530	3,959
Loans Not Past Due	310,162	307,509
Loans	315,692	311,468
90 Days Past Due and Accruing	95	30
Agricultural	'	'
Aging analysis of past due loans	'	'
Past Due 30 to 59 Days	5	262
Past Due 60 to 89 Days	150	'
Past Due Greater Than 90 Days	307	'	[1]
Past Due Total	462	262
Loans Not Past Due	34,072	31,528
Loans	34,534	31,790
90 Days Past Due and Accruing	'	'
Commercial and Industrial	'	'
Aging analysis of past due loans	'	'
Past Due 30 to 59 Days	280	102
Past Due 60 to 89 Days	5	4
Past Due Greater Than 90 Days	88	198	[1]
Past Due Total	373	304
Loans Not Past Due	69,251	67,061
Loans	69,624	67,365
90 Days Past Due and Accruing	'	'
Consumer	'	'
Aging analysis of past due loans	'	'
Past Due 30 to 59 Days	41	173
Past Due 60 to 89 Days	11	28
Past Due Greater Than 90 Days	13	33	[1]
Past Due Total	65	234
Loans Not Past Due	19,989	19,133
Loans	20,054	19,367
90 Days Past Due and Accruing	11	1
Commercial Real Estate	'	'
Aging analysis of past due loans	'	'
Past Due 30 to 59 Days	1,961	64
Past Due 60 to 89 Days	206	68
Past Due Greater Than 90 Days	630	339	[1]
Past Due Total	2,797	471
Loans Not Past Due	93,173	92,841
Loans	95,970	93,312
90 Days Past Due and Accruing	'	'
Construction Real Estate	'	'
Aging analysis of past due loans	'	'
Past Due 30 to 59 Days	'	'
Past Due 60 to 89 Days	'	'
Past Due Greater Than 90 Days	'	'	[1]
Past Due Total	'	'
Loans Not Past Due	959	1,056
Loans	959	1,056
90 Days Past Due and Accruing	'	'
Residential Real Estate	'	'
Aging analysis of past due loans	'	'
Past Due 30 to 59 Days	1,230	1,438
Past Due 60 to 89 Days	249	691
Past Due Greater Than 90 Days	354	559	[1]
Past Due Total	1,833	2,688
Loans Not Past Due	92,718	95,890
Loans	94,551	98,578
90 Days Past Due and Accruing	$84	$29

[1]	Includes nonaccrual loans.

Loans_and_Allowance_for_Loan_L8

Loans and Allowance for Loan Losses (Details 6) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Nonaccrual past due loans	$2,972	$2,331
Agricultural	'	'
Nonaccrual past due loans	307	94
Commercial and Industrial	'	'
Nonaccrual past due loans	530	220
Consumer	'	'
Nonaccrual past due loans	4	33
Commercial Real Estate	'	'
Nonaccrual past due loans	1,090	1,230
Construction Real Estate	'	'
Nonaccrual past due loans	'	'
Residential Real Estate	'	'
Nonaccrual past due loans	$1,041	$754

Earnings_Per_Share_Details_Nar

Earnings Per Share (Details Narrative)	3 Months Ended		9 Months Ended
Earnings Per Share (Details Narrative)	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Earnings Per Share Details Narrative	'	'	'	'
Stock options considered to be anti-dilutive to earnings per share	24,800	28,625	24,800	28,625

Earnings_Per_Share_Details

Earnings Per Share (Details) (USD $)	3 Months Ended		9 Months Ended
In Thousands, except Share data, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Sep. 30, 2013	Sep. 30, 2012
Earnings Per Share Details Narrative	'	'	'	'
Net income	$1,201	$1,122	$3,748	$3,158
Weighted average common shares outstanding	3,294,480	3,299,424	3,298,607	3,296,462
Basic earnings per share	$0.37	$0.34	$1.14	$0.96
Plus dilutive stock options and restricted stock units	6,135	1,100	5,850	436
Weighted average common shares outstanding and potentially dilutive shares	3,300,615	3,300,524	3,304,457	3,296,898
Diluted earnings per share	$0.36	$0.34	$1.13	$0.96

Financial_Instruments_Details

Financial Instruments (Details) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Assets:	'	'
Securities available for sale	$127,442	$134,492
Liabilities:	'	'
Noninterest-bearing deposits	92,078	101,861
Interest-bearing deposits	314,276	322,338
Quoted Prices in Active Markets for Identical Assets (Level 1)	'	'
Assets:	'	'
Cash and due from banks	13,694	19,034
Securities available for sale	155	'
Significant Other Observable Inputs (Level 2)	'	'
Assets:	'	'
Securities available for sale	123,129	131,893
Federal Home Loan Bank and Federal Reserve Bank stock	3,750	3,750
Loans held for sale	999	1,933
Liabilities:	'	'
Noninterest-bearing deposits	92,078	101,861
Interest-bearing deposits	314,276	323,457
Repurchase agreements	19,218	19,572
Federal Home Loan Bank advances	9,444	485
Significant Unobservable Inputs (Level 3)	'	'
Assets:	'	'
Securities available for sale	4,158	2,599
Loans, net	312,825	310,175
Carrying Amount	'	'
Assets:	'	'
Cash and due from banks	13,694	19,034
Securities available for sale	127,442	134,492
Federal Home Loan Bank and Federal Reserve Bank stock	3,750	3,750
Loans held for sale	973	1,874
Loans, net	309,980	305,616
Liabilities:	'	'
Noninterest-bearing deposits	92,078	101,861
Interest-bearing deposits	314,276	322,338
Repurchase agreements	19,218	19,572
Federal Home Loan Bank advances	9,399	420
Estimated Fair Value	'	'
Assets:	'	'
Cash and due from banks	13,694	19,034
Securities available for sale	127,442	134,492
Federal Home Loan Bank and Federal Reserve Bank stock	3,750	3,750
Loans held for sale	999	1,933
Loans, net	312,825	310,175
Liabilities:	'	'
Noninterest-bearing deposits	92,078	101,861
Interest-bearing deposits	314,276	323,457
Repurchase agreements	19,218	19,572
Federal Home Loan Bank advances	$9,444	$485

Fair_Value_Measurements_Detail

Fair Value Measurements (Details Narrative) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012
Fair Value Measurements Details Narrative	'	'
Total unrealized gains included in other comprehensive income	$8	$6

Fair_Value_Measurements_Detail1

Fair Value Measurements (Details) (USD $)

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Dec. 31, 2013

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

Sep. 30, 2013

Dec. 31, 2012

In Thousands, unless otherwise specified

U.S. Treasury notes and bonds

U.S. Government and federal agency

State and municipal

Mortgage-backed

Corporate

Foreign Debt

Equity securities

Quoted Prices in Active Markets for Identical Assets (Level 1)

Significant Other Observable Inputs (Level 2)

Significant Unobservable Inputs (Level 3)

Fair Value Measured on a Recurring Basis

Quoted Prices in Active Markets for Identical Assets (Level 1)

Significant Other Observable Inputs (Level 2)

Significant Unobservable Inputs (Level 3)

Equity securities

U.S. Treasury notes and bonds

U.S. Government and federal agency

State and municipal

Mortgage-backed

Corporate

Foreign Debt

Equity securities

State and municipal

Equity securities

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Securities available for sale

$127,442

$134,492

$7,236

$7,398

$36,726

$40,268

$65,755

$64,678

$8,216

$12,526

$6,988

$6,712

$1,001

$982

$1,539

$1,909

$155

$123,129

$131,893

$4,158

$2,599

$155

$123,129

$131,893

$7,236

$7,398

$36,726

$40,268

$62,097

$62,579

$8,216

$12,526

$6,988

$6,712

$982

$1,001

$884

$1,409

$4,158

$2,599

$3,685

$2,099

$500

Fair_Value_Measurements_Detail2

Fair Value Measurements (Details 1) (USD $)	9 Months Ended
In Thousands, unless otherwise specified	Sep. 30, 2013	Sep. 30, 2012	Jun. 30, 2012
Fair Value Measurements Details 1	'	'	'
Balance at the beginning of year	$2,599	$2,771	$3,076
Total unrealized gains included in other comprehensive income	8	6	'
Purchases of securities	2,540	563	'
Calls, maturities, and payments	-989	-244	'
Transfers into Level 3	'	291	'
Transfers out of level 3	'	-311	'
Balance at the end of period	$4,158	'	$3,076

Fair_Value_Measurements_Detail3

Fair Value Measurements (Details 2) (USD $)	Sep. 30, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified	Sep. 30, 2013	Dec. 31, 2012
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Other real estate owned, net	$965	$2,019
Fair Value measured on a Non-Recurring Basis	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired Loans	9,504	5,939
Other real estate owned, net	965	2,019
Fair Value measured on a Non-Recurring Basis \| Significant Unobservable Inputs (Level 3)	'	'
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]	'	'
Impaired Loans	9,504	5,939
Other real estate owned, net	$965	$2,019