CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Assets
Cash and due from banks	$ 11,995	$ 9,015
Interest-bearing deposits in other financial institutions	122,670	176,405
Federal funds sold and other short-term investments	10,681	67,752
Cash and cash equivalents	145,346	253,172
Securities available-for-sale, at fair value	373,145	375,696
Loans	684,617	659,055
Less: Allowance for loan losses	10,637	11,635
Loans, net	673,980	647,420
Premises and equipment, net	19,948	19,648
Investment in bank-owned life insurance	16,061	15,933
Payments in excess of funding	110,665	105,526
Goodwill	11,590	11,590
Other intangible assets, net	2,303	2,405
Other assets	23,980	24,116
Total assets	1,377,018	1,455,506
Liabilities and Shareholders' Equity
Noninterest-bearing	184,281	181,823
Interest-bearing	421,564	464,661
Total deposits	605,845	646,484
Accounts and drafts payable	536,725	577,259
Other liabilities	25,413	24,385
Total liabilities	$ 1,167,983	$ 1,248,128
Shareholders' Equity:
Preferred stock, par value $.50 per share; 2,000,000 shares authorized and no shares issued
Common stock, par value $.50 per share; 40,000,000 shares authorized and 11,931,147 shares issued at March 31, 2016 and December 31, 2015	$ 5,966	$ 5,966
Additional paid-in capital	125,719	126,290
Retained earnings	107,343	103,994
Common shares in treasury, at cost (657,831 shares at March 31, 2016 and 598,875 shares at December 31, 2015)	(25,490)	(22,208)
Accumulated other comprehensive loss	(4,503)	(6,664)
Total shareholders' equity	209,035	207,378
Total liabilities and shareholders' equity	$ 1,377,018	$ 1,455,506