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Condensed Consolidated Balance Sheets (Unaudited) - USD ($)
$ in Thousands
Sep. 30, 2015
Dec. 31, 2014
Assets    
Cash and due from banks $ 7,963 $ 11,601
Interest-bearing deposits with banks 317 473
Total cash and cash equivalents 8,280 12,074
Securities available for sale 25,654 26,748
Loans, net of allowance for loan losses of $1,987 and $2,244 77,050 75,829
Federal Home Loan Bank stock 870 1,229
Premises and equipment, net 2,739 2,836
Foreclosed real estate, net 3,990 4,880
Accrued interest receivable 445 426
Other assets 579 508
Total assets 119,607 124,530
Liabilities:    
Noninterest-bearing demand deposits 5,735 9,195
Savings, NOW and money-market deposits 24,656 24,344
Time deposits 62,413 58,064
Total deposits 92,804 91,603
Federal Home Loan Bank advances 16,000 22,740
Junior subordinated debenture 5,155 5,155
Advanced payment by borrowers for taxes and insurance 656 241
Official checks 339 219
Other liabilities 1,474 1,593
Total liabilities 116,428 $ 121,551
Stockholders' equity:    
Preferred stock, no par value; 6,000,000 shares authorized, 3 shares issued and outstanding in 2015  
Common stock, $.01 par value; 50,000,000 shares authorized 9,593,859 and 9,305,236 shares issued and outstanding in 2015 and 2014 95 $ 93
Additional paid-in capital 33,293 32,961
Accumulated deficit (30,288) (30,158)
Accumulated other comprehensive income 79 83
Total stockholders' equity 3,179 2,979
Total liabilities and stockholders' equity $ 119,607 $ 124,530