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Consolidated Balance Sheets (USD $)
In Thousands
Sep. 30, 2011
Dec. 31, 2010
ASSETS  
Cash and non-interest bearing balances in financial institutions$ 10,749$ 7,427
Interest bearing balances in financial institutions5,20790
Federal funds sold7,3583,421
Total cash and cash equivalents23,31410,938
Securities available-for-sale184,391142,055
Securities held-to-maturity018,397
Loans held-for-sale414422
Loans receivable407,095418,233
Less: allowance for loan losses(8,362)(9,121)
Net loans receivable398,733409,112
Federal Home Loan Bank stock3,0863,381
Accrued interest receivable2,3252,591
Premises and equipment18,38319,293
Foreclosed real estate1,6063,298
Cash value of bank owned life insurance12,75112,452
Prepaid FDIC insurance premium1,6552,425
Other assets4,2996,689
Total assets650,957631,053
LIABILITIES AND STOCKHOLDERS' EQUITY  
Non-interest bearing61,73750,712
Interest bearing465,926469,559
Total527,663520,271
Repurchase agreements24,25816,074
Borrowed funds29,55532,544
Accrued expenses and other liabilities7,4086,075
Total liabilities588,884574,964
Stockholders' Equity:  
Preferred stock, no par or stated value; 10,000,000 shares authorized, none outstanding00
Common stock, no par or stated value; 10,000,000 shares authorized; shares issued: September 30, 2011 - 2,888,902 December 31, 2010 - 2,888,902 shares outstanding: September 30, 2011 - 2,833,204 December 31, 2010 - 2,826,796361361
Additional paid in capital5,1675,140
Accumulated other comprehensive income/(loss)2,666(492)
Retained earnings55,06652,398
Treasury stock, common shares at cost: September 30, 2011 - 55,698 December 31, 2010 - 62,106(1,187)(1,318)
Total stockholders' equity62,07356,089
Total liabilities and stockholders' equity$ 650,957$ 631,053