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Consolidated Statements of Condition (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Assets    
Cash and noninterest-bearing deposits with banks $ 10,617 $ 8,914
Interest-bearing deposits with banks 35,034 42,716
Total cash and cash equivalents 45,651 51,630
Securities available for sale 94,965 85,670
Securities held to maturity (estimated fair value: 2012 - $24,624; 2011 - $22,847) 23,511 22,848
Federal Home Loan Bank stock 6,281 6,281
Total loans 558,288 598,308
Less: Allowance for loan losses (6,905) (7,344)
Net loans 551,383 590,964
Premises and equipment, net 8,680 9,216
Other real estate owned 3,667 4,256
Accrued interest receivable 2,057 2,872
Goodwill 1,267 1,267
Bank owned life insurance and annuity assets 25,056 23,097
Other assets 6,705 6,076
Total assets 769,223 804,177
Liabilities    
Noninterest-bearing deposits 139,526 138,143
Interest-bearing deposits 515,538 549,743
Total deposits 655,064 687,886
Other borrowed funds 14,285 20,296
Subordinated debentures 13,500 13,500
Accrued liabilities 10,554 10,652
Total liabilities 693,403 732,334
Commitments and Contingent Liabilities (See Note J)      
Shareholders’ Equity    
Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 2012 - 4,721,943 shares issued; 2011 - 4,686,295 shares issued) 4,722 4,686
Additional paid-in capital 34,109 33,473
Retained earnings 51,094 48,435
Accumulated other comprehensive income 1,607 961
Treasury stock, at cost (659,739 shares) (15,712) (15,712)
Total shareholders’ equity 75,820 71,843
Total liabilities and shareholders’ equity $ 769,223 $ 804,177