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Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2015
Dec. 31, 2014
ASSETS    
Cash and due from banks $ 9,744 $ 8,081
Interest bearing deposits with banks 266 4,295
Cash and cash equivalents 10,010 12,376
Securities available for sale 138,851 156,395
Loans receivable (net of allowance for loan losses 2015: $7,298; 2014: $5,875) 552,627 495,260
Regulatory stock, at cost 3,412 1,714
Premises and equipment, net 6,472 6,734
Bank owned life insurance 18,820 18,284
Accrued interest receivable 2,363 2,339
Foreclosed real estate owned 2,847 3,726
Goodwill 9,715 9,715
Other intangibles 285 389
Deferred tax asset 3,669 3,285
Other assets 1,434 1,418
Total Assets 750,505 711,635
LIABILITIES    
Deposits: Non-interest bearing demand 107,814 98,064
Deposits: Interest-bearing demand 52,040 46,441
Deposits: Money market deposit accounts 119,028 120,603
Deposits: Savings 75,280 73,004
Deposits: Time 196,747 221,832
Total deposits 550,909 559,944
Short-term borrowings 53,235 25,695
Other borrowings 41,126 22,200
Accrued interest payable 957 966
Other liabilities 3,280 3,789
Total Liabilities 649,507 612,594
STOCKHOLDERS' EQUITY    
Common stock, $.10 par value per share, authorized 10,000,000 shares, issued: 2015: 3,724,668 shares, 2014: 3,718,018 shares 373 372
Surplus 35,351 35,206
Retained earnings 65,412 64,078
Treasury stock at cost: 2015: 23,311 shares, 2014: 40,576 shares (626) (1,077)
Accumulated other comprehensive income [1] 488 462
Total Stockholders' Equity 100,998 99,041
Total Liabilities and Stockholders' Equity $ 750,505 $ 711,635
[1] All amounts are net of tax. Amounts in parentheses indicate debits.