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Consolidated Balance Sheet (Current Period Unaudited) (USD $)
In Thousands, unless otherwise specified
Sep. 30, 2013
Dec. 31, 2012
ASSETS    
Cash and due from banks $ 21,124 $ 33,568
Federal funds sold 11,069 11,778
Cash and cash equivalents 32,193 45,346
Investment securities available for sale 180,771 194,473
Loans 419,060 408,433
Less allowance for loan losses 7,821 7,779
Net loans 411,239 400,654
Premises and equipment, net 8,555 8,670
Goodwill 4,559 4,559
Core deposit intangible 161 195
Bank-owned life insurance 8,745 8,536
Accrued interest and other assets 11,918 7,855
TOTAL ASSETS 658,141 670,288
Deposits:    
Noninterest-bearing demand 81,760 75,912
Interest-bearing demand 59,799 63,915
Money market 77,118 81,349
Savings 179,581 175,406
Time 180,964 196,753
Total deposits 579,222 593,335
Short-term borrowings 10,575 6,538
Federal funds purchased 1,639  
Other borrowings 12,261 12,970
Accrued interest and other liabilities 1,915 2,008
TOTAL LIABILITIES 605,612 614,851
STOCKHOLDERS' EQUITY    
Common stock, no par value; 10,000,000 shares authorized, 2,216,099 and 2,181,763 shares issued 34,833 34,295
Retained earnings 26,123 22,485
Accumulated other comprehensive (loss) income (1,693) [1] 5,391
Treasury stock, at cost; 189,530 shares (6,734) (6,734)
TOTAL STOCKHOLDERS' EQUITY 52,529 55,437
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 658,141 $ 670,288
[1] All amounts are net of tax. Amounts in parentheses indicate debits.