Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Assets
Cash and due from banks	$ 7,719	$ 6,923
Money market funds	286	1,596
Federal funds sold	4,151
Cash and cash equivalents	12,156	8,519
Securities:
Held to maturity - fair value of $125 in 2016 and 2015	125	125
Available for sale	24,859	13,047
Other investments	13,658	12,157
Loans held for sale	83,164	57,806
Loans held for investment	578,089	544,053
Less: allowance for loan losses	(7,571)	(8,781)
Net loans held for investment	570,518	535,272
Other real estate owned	2,076	2,128
Bank premises and equipment, net	9,343	7,542
Interest receivable	1,680	1,709
Goodwill	2,670	2,670
Bank owned life insurance	13,395	13,046
Deferred tax asset	1,539	1,640
Other assets	10,109	9,696
Total assets	745,292	665,357
Deposits:
Noninterest bearing	145,832	134,787
Interest bearing:
Demand	88,946	81,492
Money market accounts	29,125	26,968
Savings	105,805	90,383
Time deposits over $100,000	51,058	53,625
All other time deposits	107,058	107,415
Total deposits	527,824	494,670
Short-term borrowings	51,229	24,954
Accrued liabilities	13,625	14,622
Long-term borrowings	65,089	48,161
Total liabilities	657,767	582,407
Stockholders' Equity
Preferred Stock $5 par value, 400,000 shares authorized, issued and outstanding for September 30, 2016 and December 31, 2015, respectively	9,425	9,425
Common stock, $5 par value, 6,000,000 shares authorized, 3,274,512 and 3,293,909 shares issued and outstanding for September 30, 2016 and December 31, 2015, respectively	16,373	16,427
Retained earnings	52,819	48,056
Noncontrolling interest	653	573
Accumulated other comprehensive loss	(2,659)	(2,680)
Total stockholders' equity	87,525	82,950
Total liabilities and stockholders' equity	$ 745,292	$ 665,357