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Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2017
Dec. 31, 2016
ASSETS    
Cash and due from banks $ 16,212 $ 14,900
Interest-bearing deposits with banks 485 2,274
Cash and cash equivalents 16,697 17,174
Securities available for sale 281,121 302,564
Loans receivable (net of allowance for loan losses 2017: $7,634; 2016: $6,463) 756,458 707,426
Regulatory stock, at cost 3,505 2,119
Premises and equipment, net 13,864 13,531
Bank owned life insurance 37,060 36,133
Accrued interest receivable 3,716 3,643
Foreclosed real estate owned 1,661 5,302
Goodwill 11,331 11,331
Other intangibles 462 612
Deferred tax asset 4,781 8,989
Other assets 2,260 2,359
Total Assets 1,132,916 1,111,183
LIABILITIES    
Deposits: Non-interest bearing demand 205,138 191,445
Deposits: Interest-bearing demand 91,479 93,485
Deposits: Money market deposit accounts 146,362 153,020
Deposits: Savings 166,111 191,878
Deposits: Time 320,294 295,557
Total Deposits 929,384 925,385
Short-term borrowings 42,530 32,811
Other borrowings 35,945 32,001
Accrued interest payable 1,434 1,069
Other liabilities 7,884 8,838
Total Liabilities 1,017,177 1,000,104
STOCKHOLDERS' EQUITY    
Common stock, $.10 par value per share, authorized 10,000,000 shares, issued: 2017: 6,256,063 shares, 2016: 4,164,723 shares 626 416
Surplus 47,431 47,682
Retained earnings 70,426 67,225
Treasury stock at cost: 2017: 2,608 shares, 2016: 4,509 shares (77) (125)
Accumulated other comprehensive loss (2,667) (4,119)
Total Stockholders' Equity 115,739 111,079
Total Liabilities and Stockholders' Equity $ 1,132,916 $ 1,111,183