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Consolidated Balance Sheets (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2011
Dec. 31, 2010
Assets    
Cash and due from banks, including reserve requirements of $8,492 and $8,698 $ 22,532 $ 22,521
Interest bearing deposits 6,704 1,456
Cash and cash equivalents 29,236 23,977
Certificates of deposit 0 735
Investment securities available for sale 321,388 272,449
Other investments 5,712 5,761
Total securities 327,100 278,210
Mortgage loans held for sale 5,146 3,814
Loans 670,497 726,160
Less allowance for loan losses (16,604) (15,493)
Net loans 653,893 710,667
Premises and equipment, net 16,896 17,334
Cash surrender value of life insurance 12,835 7,539
Other real estate 7,576 6,673
Accrued interest receivable and other assets 14,381 18,703
Total assets 1,067,063 1,067,652
Deposits:    
Non-interest bearing demand 136,878 114,792
NOW, MMDA & savings 366,133 332,511
Time, $100,000 or more 193,045 241,366
Other time 131,055 150,043
Total deposits 827,111 838,712
Demand notes payable to U.S. Treasury 0 1,600
Securities sold under agreements to repurchase 39,600 34,094
FHLB borrowings 70,000 70,000
Junior subordinated debentures 20,619 20,619
Accrued interest payable and other liabilities 6,706 5,769
Total liabilities 964,036 970,794
Commitments      
Shareholders' equity:    
Series A preferred stock, $1,000 stated value; authorized 5,000,000 shares; issued and outstanding 25,054 shares in 2011 and 2010 24,758 24,617
Common stock, no par value; authorized 20,000,000 shares; issued and outstanding 5,544,160 shares in 2011 and 5,541,413 shares in 2010 48,298 48,281
Retained earnings 26,895 23,573
Accumulated other comprehensive income 3,076 387
Total shareholders' equity 103,027 96,858
Total liabilities and shareholders' equity $ 1,067,063 $ 1,067,652