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CONSOLIDATED BALANCE SHEETS (UNAUDITED) (USD $)
In Thousands, unless otherwise specified
Mar. 31, 2014
Dec. 31, 2013
Cash and Cash Equivalents    
Cash and Due from Banks $ 20,592 $ 25,692
Federal Funds Sold 18,183 20,495
Cash and Cash Equivalents 38,775 46,187
Interest-Bearing Deposits 22,401 21,960
Investment Securities    
Available for Sale, at Fair Value 278,957 263,258
Held to Maturity, at Cost (Fair Value of $38 and $37, as of March 31,2014 and December 31, 2013, Respectively) 38 37
Investment Securities 278,995 263,295
Federal Home Loan Bank Stock, at Cost 2,831 3,164
Loans 738,194 751,218
Allowance for Loan Losses (11,710) (11,806)
Unearned Interest and Fees (359) (360)
Loans, net 726,125 739,052
Premises and Equipment 24,637 24,876
Other Real Estate (Net of Allowance of $4,404 and $3,986 as of March 31, 2014 and December 31, 2013, Respectively) 14,227 15,502
Other Intangible Assets 179 188
Other Assets 33,666 34,327
Total Assets 1,141,836 1,148,551
Deposits    
Noninterest-Bearing 119,984 115,261
Interest-Bearing 856,870 872,269
Deposits 976,854 987,530
Borrowed Money    
Subordinated Debentures 24,229 24,229
Other Borrowed Money 40,000 40,000
Borrowed Money 64,229 64,229
Other Liabilities 8,405 6,838
Commitments and Contingencies      
Stockholders' Equity    
Preferred Stock, Stated Value $1,000 a Share; Authorized 10,000,000 Shares, Issued 28,000 Shares 28,000 28,000
Common Stock, Par Value $1 a Share; Authorized 20,000,000 Shares, Issued 8,439,258 Shares as of March 31, 2014 and December 31, 2013 8,439 8,439
Paid-In Capital 29,145 29,145
Retained Earnings 34,259 33,445
Accumulated Other Comprehensive (Loss), Net of Tax (7,495) (9,075)
Stockholders' Equity 92,348 89,954
Total Liabilities and Stockholders' Equity $ 1,141,836 $ 1,148,551