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CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Dec. 31, 2015
Dec. 31, 2014
ASSETS    
Cash and due from banks $ 5,489 $ 7,396
Interest bearing deposits with other banks 33,739 47,626
Total cash and cash equivalents 39,228 55,022
Securities held to maturity, fair value of $4,163 and $1,397, respectively 4,207 1,500
Securities available for sale, at fair value 374,571 348,263
Restricted securities, at cost 6,411 5,279
Loans, net of allowance for loan losses of $11,046 and $11,786, respectively 794,635 743,060
Premises and equipment, net 19,531 18,104
Goodwill and identified intangibles, net 3,636 3,807
Other real estate owned, net of valuation allowance 3,345 4,051
Bank owned life insurance 23,273 22,617
Accrued interest receivable and other assets 26,026 21,154
TOTAL ASSETS 1,294,863 1,222,857
Deposits:    
Non-interest bearing demand deposits 235,897 216,912
Savings and interest bearing demand deposits 560,328 523,230
Time deposits 244,575 248,938
Total deposits 1,040,800 989,080
Securities sold under agreements to repurchase 26,869 38,551
Federal Home Loan Bank borrowings 85,000 55,000
Subordinated notes 5,155 5,155
Accrued interest payable and other liabilities 13,485 13,037
TOTAL LIABILITIES $ 1,171,309 $ 1,100,823
Commitments and contingencies
SHAREHOLDERS' EQUITY    
Common stock ($2.50 par value; 20,000,000 shares authorized; 7,085,217 and 7,131,643 issued and outstanding, respectively) $ 17,330 $ 17,494
Capital surplus 44,155 44,892
Retained earnings 60,392 55,854
Accumulated other comprehensive income 1,677 3,794
TOTAL SHAREHOLDERS' EQUITY 123,554 122,034
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $ 1,294,863 $ 1,222,857