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Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2015
Dec. 31, 2014
Assets    
Cash and due from banks $ 10,162 $ 11,601
Interest-bearing deposits with banks 203 473
Total cash and cash equivalents 10,365 12,074
Securities available for sale 25,749 26,748
Loans, net of allowance for loan losses of $2,295 and $2,244 82,573 75,829
Federal Home Loan Bank stock 966 1,229
Premises and equipment, net 2,703 2,836
Foreclosed real estate, net 4,029 4,880
Accrued interest receivable 462 426
Other assets 631 508
Total assets 127,478 124,530
Liabilities:    
Noninterest-bearing demand deposits 9,478 9,195
Savings, NOW and money-market deposits 24,034 24,344
Time deposits 64,059 58,064
Total deposits 97,571 91,603
Federal Home Loan Bank advances 20,000 22,740
Junior subordinated debenture 5,155 5,155
Advanced payment by borrowers for taxes and insurance 251 241
Official checks 130 219
Other liabilities 1,404 1,593
Total liabilities $ 124,511 $ 121,551
Stockholders' equity:    
Preferred stock, no par value; 6,000,000 shares authorized, 4 shares issued and outstanding in 2015
Common stock, $.01 par value; 50,000,000 shares authorized 9,628,863 and 9,305,236 shares issued and outstanding in 2015 and 2014 $ 96 $ 93
Additional paid-in capital 33,330 32,961
Accumulated deficit (30,321) (30,158)
Accumulated other comprehensive income (138) 83
Total stockholders' equity 2,967 2,979
Total liabilities and stockholders' equity $ 127,478 $ 124,530