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Consolidated Balance Sheet (Unaudited) - USD ($)
$ in Thousands
Sep. 30, 2015
Dec. 31, 2014
ASSETS    
Cash and due from banks $ 19,189 $ 20,846
Federal funds sold 4,106 4,793
Cash and cash equivalents 23,295 25,639
Investment securities available for sale, at fair value 145,146 154,334
Loans held for sale 620 438
Loans 510,232 470,584
Less allowance for loan and lease losses 6,320 6,846
Net loans 503,912 463,738
Premises and equipment, net 9,892 9,980
Goodwill 4,559 4,559
Core deposit intangibles 86 116
Bank-owned life insurance 13,354 9,092
Other real estate owned 2,006 2,590
Accrued interest and other assets 7,727 7,045
TOTAL ASSETS 710,597 677,531
Deposits:    
Noninterest-bearing demand 117,038 105,512
Interest-bearing demand 64,807 56,377
Money market 77,811 75,895
Savings 179,528 178,470
Time 187,364 169,858
Total deposits 626,548 586,112
Short-term borrowings 4,047 14,808
Other borrowings 10,300 10,624
Accrued interest and other liabilities 2,486 2,120
TOTAL LIABILITIES 643,381 613,664
STOCKHOLDERS' EQUITY    
Common stock, no par value; 10,000,000 shares authorized, 2,259,040 and 2,242,025 shares issued; 2,069,510 and 2,052,495 shares outstanding 36,039 35,529
Retained earnings 35,994 32,524
Accumulated other comprehensive income 1,917 2,548
Treasury stock, at cost; 189,530 shares (6,734) (6,734)
TOTAL STOCKHOLDERS' EQUITY 67,216 63,867
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 710,597 $ 677,531