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CONSOLIDATED BALANCE SHEETS (UNAUDITED) (USD $)
In Thousands, unless otherwise specified
Sep. 30, 2014
Dec. 31, 2013
Cash and Cash Equivalents    
Cash and Due from Banks $ 17,120 $ 25,692
Federal Funds Sold 6,712 20,495
Cash and Cash Equivalents 23,832 46,187
Interest-Bearing Deposits 10,682 21,960
Investment Securities    
Available for Sale, at Fair Value 273,547 263,258
Held to Maturity, at Cost (Fair Value of $33 and $37, as of September 30, 2014 and December 31, 2013, Respectively) 33 37
Investment Securities 273,580 263,295
Federal Home Loan Bank Stock, at Cost 2,831 3,164
Loans 743,281 751,218
Allowance for Loan Losses (9,788) (11,806)
Unearned Interest and Fees (354) (360)
Loans, net 733,139 739,052
Premises and Equipment 24,976 24,876
Other Real Estate (Net of Allowance of $3,026 and $3,986 as of September 30, 2014 and December 31, 2013, Respectively) 10,833 15,502
Other Intangible Assets 161 188
Other Assets 34,380 34,327
Total Assets 1,114,414 1,148,551
Deposits    
Noninterest-Bearing 116,131 115,261
Interest-Bearing 825,069 872,269
Deposits 941,200 987,530
Borrowed Money    
Subordinated Debentures 24,229 24,229
Other Borrowed Money 40,000 40,000
Borrowed Money 64,229 64,229
Other Liabilities 12,713 6,838
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 September 30, 2014 and December 31, 2013 8,439 8,439
Paid-In Capital 29,145 29,145
Retained Earnings 36,978 33,445
Accumulated Other Comprehensive (Loss), Net of Tax Benefits (6,290) (9,075)
Stockholders' Equity 96,272 89,954
Total Liabilities and Stockholders' Equity $ 1,114,414 $ 1,148,551