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Consolidated Balance Sheets (Unaudited) - USD ($)
$ in Thousands
Sep. 30, 2015
Dec. 31, 2014
Assets    
Cash and due from banks, including reserve requirements of $13,301 at 9/30/15 and $12,569 at 12/31/14 $ 39,681 $ 51,213
Interest-bearing deposits 4,944 17,885
Cash and cash equivalents 44,625 69,098
Investment securities available for sale 268,821 281,099
Other investments 3,912 4,031
Total securities 272,733 285,130
Mortgage loans held for sale 1,679 1,375
Loans 684,800 651,891
Less allowance for loan losses (10,420) (11,082)
Net loans 674,380 640,809
Premises and equipment, net 16,831 17,000
Cash surrender value of life insurance 14,440 14,125
Other real estate 2,349 2,016
Accrued interest receivable and other assets 10,158 10,941
Total assets 1,037,195 1,040,494
Deposits:    
Noninterest-bearing demand 217,517 210,758
NOW, MMDA & savings 423,917 407,504
Time, $250,000 or more 31,036 47,872
Other time 134,091 148,566
Total deposits 806,561 814,700
Securities sold under agreements to repurchase 47,240 48,430
FHLB borrowings 50,000 50,000
Junior subordinated debentures 20,619 20,619
Accrued interest payable and other liabilities 9,868 8,080
Total liabilities 934,288 $ 941,829
Commitments  
Shareholders' equity:    
Series A preferred stock, $1,000 stated value; authorized 5,000,000 shares; no shares issued and outstanding 0 $ 0
Common stock, no par value; authorized 20,000,000 shares; issued and outstanding 5,528,538 shares at 9/30/15, and 5,612,588 shares at 12/31/14 46,512 48,088
Retained earnings 51,442 45,124
Accumulated other comprehensive income 4,953 5,453
Total shareholders' equity 102,907 98,665
Total liabilities and shareholders' equity $ 1,037,195 $ 1,040,494