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Consolidated Balance Sheets (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
ASSETS    
Cash and due from banks $ 13,137 $ 19,144
Available-for-sale securities 89,793 98,702
Loans held for sale 3,366 6,147
Loans, net of unearned income 477,303 463,389
Allowance for loan losses (6,964) (6,811)
Premises and equipment, net 12,186 12,633
Federal Reserve and Federal Home Loan Bank Stock, at cost 3,748 3,748
Foreclosed assets held for sale, net 651 2,367
Interest receivable 1,281 1,235
Goodwill 16,353 16,353
Core deposits and other intangibles 655 1,219
Purchased software 421 330
Cash value of life insurance 12,906 12,577
Mortgage servicing rights 5,180 3,775
Other assets 1,738 3,426
Total assets 631,754 638,234
Deposits    
Non interest bearing demand 81,570 77,799
Interest bearing NOW 119,551 117,289
Savings 61,652 57,461
Money Market 79,902 80,381
Time Deposits 175,559 194,071
Total deposits 518,234 527,001
Repurchase agreements 14,696 10,333
Notes payable 589 1,702
Federal Home Loan Bank advances 16,000 21,000
Trust preferred securities 20,620 20,620
Interest payable 639 138
Other liabilities 4,707 4,156
Total liabilities 575,485 584,950
Commitments & Contingent Liabilities      
Stockholders' Equity    
Preferred stock, $0.00 stated value; authorized 200,000 shares; 0 shares issued      
Common stock, $2.50 stated value; authorized 10,000,000 shares; 5,027,433 shares issued 12,569 12,569
Additional paid-in capital 15,412 15,374
Retained earnings 29,899 25,280
Accumulated other comprehensive income 74 1,830
Treasury stock, at cost - (2013 - 157,804, 2012 - 165,564 shares) (1,685) (1,769)
Total stockholders' equity 56,269 53,284
Total liabilities and stockholders' equity $ 631,754 $ 638,234