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Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2015
Dec. 31, 2014
Assets    
Cash and due from banks, including reserve requirements of $14,587 at 12/31/15 and $12,569 at 12/31/14 $ 29,194 $ 51,213
Interest-bearing deposits 10,569 17,885
Cash and cash equivalents 39,763 69,098
Investment securities available for sale 268,530 281,099
Other investments 3,636 4,031
Total securities 272,166 285,130
Mortgage loans held for sale 4,149 1,375
Loans 689,091 651,891
Less allowance for loan losses (9,589) (11,082)
Net loans 679,502 640,809
Premises and equipment, net 16,976 17,000
Cash surrender value of life insurance 14,546 14,125
Other real estate 739 2,016
Accrued interest receivable and other assets 10,640 10,941
Total assets 1,038,481 1,040,494
Deposits:    
Non-interest bearing demand 244,231 210,758
NOW, MMDA & savings 431,052 407,504
Time, $250,000 or more 26,891 47,872
Other time 130,001 148,566
Total deposits 832,175 814,700
Securities sold under agreements to repurchase 27,874 48,430
FHLB borrowings 43,500 50,000
Junior subordinated debentures 20,619 20,619
Accrued interest payable and other liabilities 9,449 8,080
Total liabilities $ 933,617 $ 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 5,510,538 shares at 12/31/15, and 5,612,588 shares at 12/31/14 46,171 48,088
Retained earnings 53,183 45,124
Accumulated other comprehensive income 5,510 5,453
Total shareholders' equity 104,864 98,665
Total liabilities and shareholders' equity $ 1,038,481 $ 1,040,494