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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 $ 9,295 $ 9,782
Interest-bearing deposits with other institutions 4,948 38,908
Total cash and cash equivalents 14,243 48,690
Securities available for sale, at fair value 102,598 102,754
Restricted investments 2,192 2,777
Loans 444,273 418,097
Allowance for loan losses (5,488) (6,577)
Net Loans 438,785 411,520
Bank premises and equipment, net 17,214 16,545
Other real estate owned, net of allowance 1,646 2,928
Other assets 9,766 8,062
Total assets 586,444 593,276
Liabilities and Shareholders’ Equity    
Noninterest bearing demand deposits 147,698 134,871
Savings and interest bearing demand deposits 240,749 231,249
Time deposits 99,140 110,981
Total deposits 487,587 477,101
Federal funds purchased and securities sold under agreements to repurchase 0 10,000
Federal Home Loan Bank advances 22,250 32,250
Trust preferred capital notes 7,217 7,217
Other liabilities 2,984 3,002
Total liabilities 520,038 529,570
Shareholders’ Equity    
Preferred stock, $10 par value; 500,000 shares authorized and unissued 0 0
Common stock, $2.50 par value; authorized 10,000,000 shares; issued 2013, 3,392,780; issued 2012, 3,336,022 8,482 8,340
Surplus 11,537 10,424
Retained earnings 46,082 41,494
Accumulated other comprehensive income 305 3,448
Total shareholders’ equity 66,406 63,706
Total liabilities and shareholders’ equity $ 586,444 $ 593,276