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Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2015
Dec. 31, 2014
Assets    
Cash and due from banks $ 12,152 $ 12,894
Interest-bearing deposits 130,811 102,548
Securities available for sale, at fair value 236,131 222,844
Securities held to maturity (fair value of $158,032 at December 31, 2015 and $167,703 at December 31, 2014) 152,028 161,452
Restricted stock 1,129 1,089
Mortgage loans held for sale 634 291
Loans:    
Real estate construction loans 48,251 45,562
Consumer real estate loans 143,504 147,039
Commercial real estate loans 309,378 310,762
Commercial non real estate loans 37,571 33,413
Public sector and IDA loans 51,335 41,361
Consumer non real estate loans 29,845 28,182
Total loans 619,884 606,319
Less unearned income and deferred fees (876) (853)
Loans, net of unearned income and deferred fees 619,008 605,466
Less allowance for loan losses (8,297) (8,263)
Loans, net 610,711 597,203
Premises and equipment, net 9,020 9,131
Accrued interest receivable 5,769 5,748
Other real estate owned, net 4,165 4,744
Intangible assets and goodwill 6,224 7,223
Bank-owned life insurance (BOLI) 22,401 21,797
Other assets 8,564 7,767
Total assets 1,199,739 1,154,731
Liabilities and Stockholders’ Equity    
Noninterest-bearing demand deposits 166,453 150,744
Interest-bearing demand deposits 569,787 533,641
Savings deposits 90,236 81,297
Time deposits 192,383 216,746
Total deposits 1,018,859 982,428
Accrued interest payable 56 68
Other liabilities 8,710 5,932
Total liabilities $ 1,027,625 $ 988,428
Commitments and contingencies
Stockholders’ equity:    
Preferred stock, no par value, 5,000,000 shares authorized; none issued and outstanding
Common stock of $1.25 par value. Authorized 10,000,000 shares; issued and outstanding, 6,957,974 shares in 2015 and 6,950,474 in 2014 $ 8,698 $ 8,688
Retained earnings 171,353 163,287
Accumulated other comprehensive loss, net (7,937) (5,672)
Total stockholders’ equity 172,114 166,303
Total liabilities and stockholders’ equity $ 1,199,739 $ 1,154,731