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Consolidated Balance Sheets (unaudited) (USD $)
In Thousands, unless otherwise specified
Sep. 30, 2014
Dec. 31, 2013
Assets    
Cash and due from banks $ 19,039 $ 20,193
Cash and due from Federal Reserve Bank 115,846 115,019
Cash and cash equivalents 134,885 135,212
Interest-bearing deposits in other banks 1,520 1,515
Investment securities available for sale (at fair value) 49,624 [1] 43,616 [1]
Loans 447,436 395,317
Unearned fees and unamortized loan origination costs (425) (304)
Allowance for credit losses (11,115) (10,988)
Net loans 435,896 384,025
Accrued interest receivable 1,924 1,644
Premises and equipment – net 11,764 12,122
Other real estate owned 14,343 13,946
Intangible assets 0 62
Goodwill 4,488 4,488
Cash surrender value of life insurance 17,587 17,203
Investment in limited partnerships 1,006 4,534
Deferred income taxes - net 11,660 11,630
Other assets 5,697 5,932
Total assets 690,394 635,929
Deposits    
Noninterest bearing 241,863 214,317
Interest bearing 349,084 328,172
Total deposits 590,947 542,489
Accrued interest payable 42 44
Accounts payable and other liabilities 8,063 5,728
Junior subordinated debentures (at fair value) 10,047 11,125
Total liabilities 609,099 559,386
Shareholders' Equity    
Common stock, no par value 20,000,000 shares authorized, 15,272,382 issued and outstanding at September 30, 2014, and 14,799,888 at December 31, 2013 48,420 45,778
Retained earnings 33,019 30,884
Accumulated other comprehensive loss (144) (119)
Total shareholders' equity 81,295 76,543
Total liabilities and shareholders' equity $ 690,394 $ 635,929
[1] Recurring