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Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2016
Dec. 31, 2015
Assets    
Cash and due from banks, including reserve requirements of $16,576 at 12/31/16 and $14,587 at 12/31/15 $ 53,613 $ 29,194
Interest-bearing deposits 16,481 10,569
Cash and cash equivalents 70,094 39,763
Investment securities available for sale 249,946 268,530
Other investments 2,635 3,636
Total securities 252,581 272,166
Mortgage loans held for sale 5,709 4,149
Loans 723,811 689,091
Less allowance for loan losses (7,550) (9,589)
Net loans 716,261 679,502
Premises and equipment, net 16,452 16,976
Cash surrender value of life insurance 14,952 14,546
Other real estate 283 739
Accrued interest receivable and other assets 11,659 10,640
Total assets 1,087,991 1,038,481
Deposits:    
Non-interest bearing demand 271,851 244,231
NOW, MMDA & savings 477,054 431,052
Time, $250,000 or more 26,771 26,891
Other time 117,242 130,001
Total deposits 892,918 832,175
Securities sold under agreements to repurchase 36,434 27,874
FHLB borrowings 20,000 43,500
Junior subordinated debentures 20,619 20,619
Accrued interest payable and other liabilities 10,592 9,449
Total liabilities 980,563 933,617
Commitments (Note 10)
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 5,417,800 shares at December 31, 2016 and 5,510,538 shares at December 31, 2015 44,187 46,171
Retained earnings 60,254 53,183
Accumulated other comprehensive income 2,987 5,510
Total shareholders' equity 107,428 104,864
Total liabilities and shareholders' equity $ 1,087,991 $ 1,038,481