CONSOLIDATED BALANCE SHEETS (USD $)
In Thousands, unless otherwise specified
Sep. 30, 2012
Dec. 31, 2011
ASSETS    
Cash and due from banks $ 20,070 $ 10,152
Interest-bearing deposits with banks 15,652 12,788
Federal funds sold 990 241
Total cash and cash equivalents 36,712 23,181
Securities held-to-maturity, at amortized cost 8,478 6,002
Securities available-for-sale, at fair value 233,621 212,529
Other securities 2,638 2,645
Total securities 244,737 221,176
Loans held for sale 4,898 2,906
Loans 388,062 385,022
Allowance for loan losses (4,400) (4,511)
Loans, net 388,560 383,417
Premises and equipment 22,522 22,991
Interest receivable 3,054 2,772
Cash surrender value of life insurance 6,400 6,270
Goodwill 9,362 9,362
Other assets 6,313 7,891
Other real estate owned 8,008 4,353
TOTAL ASSETS 725,668 681,413
Deposits:    
Noninterest-bearing 110,051 107,129
Interest-bearing 511,882 466,265
TOTAL DEPOSITS 621,933 573,394
Interest payable 227 308
Borrowed funds 16,781 27,032
Subordinated debentures 10,310 10,310
Other liabilities 11,045 9,944
TOTAL LIABILITIES 660,296 620,988
STOCKHOLDERS EQUITY:    
Preferred stock, no par value, $1,000 per share liquidation, 10,000,000 shares authorized; 17,123 issued and outstanding at Sept. 30, 2012 and at December 31, 2011 17,000 16,939
Common stock, par value $1 per share, 10,000,000 shares authorized; 3,135,361 and 3,092,566 shares issued at Sept. 30, 2012 and at December 31, 2011 3,135 3,093
Additional paid-in capital 23,636 23,504
Retained earnings 19,000 16,791
Accumulated other comprehensive income 3,060 562
Treasury stock, at cost, 26,494 shares at Sept. 30, 2012 and at December 31, 2011 (464) (464)
TOTAL STOCKHOLDERS EQUITY 65,372 60,425
TOTAL LIABILITIES AND STOCKHOLDERS EQUITY $ 725,668 $ 681,413