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CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Dec. 31, 2016
Dec. 31, 2015
ASSETS    
Cash and due from banks $ 6,989 $ 5,489
Interest bearing deposits with other banks 21,555 33,739
Total cash and cash equivalents 28,544 39,228
Securities held to maturity, fair value of $10,095 and $4,163, respectively 10,683 4,207
Securities available for sale, at fair value 301,567 374,571
Restricted securities, at cost 4,542 6,411
Loans, net of allowance for loan losses of $11,404 and $11,046, respectively 848,693 794,635
Premises and equipment, net 19,021 19,531
Goodwill and identified intangibles, net 3,465 3,636
Other real estate owned, net of valuation allowance 5,073 3,345
Bank owned life insurance 23,925 23,273
Accrued interest receivable and other assets 27,130 26,026
TOTAL ASSETS 1,272,643 1,294,863
Deposits:    
Non-interest bearing demand deposits 248,567 235,897
Savings and interest bearing demand deposits 578,851 560,328
Time deposits 225,640 244,575
Total deposits 1,053,058 1,040,800
Securities sold under agreements to repurchase 34,864 26,869
Federal Home Loan Bank borrowings 39,500 85,000
Subordinated notes 5,155 5,155
Accrued interest payable and other liabilities 13,387 13,485
TOTAL LIABILITIES 1,145,964 1,171,309
Commitments and contingencies
SHAREHOLDERS' EQUITY    
Common stock ($2.50 par value; 20,000,000 shares authorized; 7,205,066 and 7,085,217 issued and outstanding, respectively) 17,636 17,330
Capital surplus 45,688 44,155
Retained earnings 64,755 60,392
Accumulated other comprehensive income (loss), net (1,400) 1,677
TOTAL SHAREHOLDERS' EQUITY 126,679 123,554
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $ 1,272,643 $ 1,294,863