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Consolidated Balance Sheets (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
ASSETS    
Cash and due from banks $ 27,079 $ 31,020
Federal funds sold and other overnight interest-bearing deposits 1,360 27,857
Cash and cash equivalents 28,439 58,877
Investment in available-for-sale securities, at fair value 205,985 200,246
Loans 839,547 846,984
Allowances for loan losses (13,719) (14,842)
Net loans 825,828 832,142
Premises and equipment - net 38,079 37,021
Investments in Federal Home Loan Bank stock and other equity securities, at cost 4,001 3,925
Mortgage servicing rights 3,036 2,549
Other real estate owned and repossessed assets - net 14,867 23,592
Accrued interest receivable 4,999 5,190
Cash surrender value - life insurance 2,213 2,136
Other assets 12,675 15,928
Total assets 1,140,122 1,181,606
Deposits    
Non-interest bearing demand 187,382 192,271
Savings, interest checking and money market 419,085 405,702
Time deposits $100,000 and over 111,667 120,777
Other time deposits 238,337 272,525
Total deposits 956,471 991,275
Federal funds purchased and securities sold under agreements to repurchase 31,084 21,058
Subordinated notes 49,486 49,486
Federal Home Loan Bank advances 24,000 20,126
Accrued interest payable 426 909
Other liabilities 4,275 6,532
Total liabilities 1,065,742 1,089,386
Stockholders' equity:    
Preferred stock, $0.01 par value per share, 1,000,000 shares authorized; Issued 0 shares and 18,255 shares, respectively, $1,000 per share liquidation value, net of discount 0 17,977
Common stock, $1 par value, authorized 15,000,000 shares; Issued 5,194,537 and 5,000,972 shares, respectively 5,195 5,001
Surplus 33,385 31,816
Retained earnings 40,086 39,118
Accumulated other comprehensive (loss) income, net of tax (769) 1,825
Treasury stock; 161,858 shares, at cost (3,517) (3,517)
Total stockholders' equity 74,380 92,220
Total liabilities and stockholders' equity $ 1,140,122 $ 1,181,606