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Consolidated Balance Sheets (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2011
Dec. 31, 2010
Assets    
Cash and due from banks $ 4,764 $ 5,006
Interest-bearing demand deposits 10,917 5,929
Cash and cash equivalents 15,681 10,935
Certificates of deposit in other financial institutions   2,564
Available-for-sale securities 81,998 96,155
Held-to-maturity securities 4,450 6,331
Loans, net of allowance for loan losses of $2,921 and $2,740 at December 31, 2011 and 2010, respectively 281,526 276,037
Premises and equipment 9,804 9,278
Federal Home Loan Bank stock 4,810 4,810
Foreclosed assets held for sale, net 2,046 1,912
Intangible assets 424 543
Accrued interest receivable 1,410 1,441
Deferred federal income taxes 909 801
Bank-owned life insurance 10,672 10,401
Other assets 1,836 2,227
Total assets 415,566 423,435
Deposits    
Demand 142,021 131,600
Savings 57,907 52,463
Time 128,612 141,383
Total deposits 328,540 325,446
Short-term borrowings 9,968 11,843
Federal Home Loan Bank advances 32,951 43,450
Subordinated debentures 4,000 4,000
Interest payable and other liabilities 3,925 3,115
Total liabilities 379,384 387,854
Stockholders' Equity    
Preferred stock, no par value, authorized 2,000,000 shares; no shares issued      
Common stock, $1 par value; authorized 10,000,000 shares; issued 2011 - 5,360,304 shares, 2010 5,370,304 shares 5,360 5,370
Additional paid-in capital 17,391 20,133
Retained earnings 18,399 15,308
Stock held by deferred compensation plan; 2011 - 197,111 shares, 2010 - 176,392 shares (1,856) (1,657)
Unearned ESOP compensation (2,081) (2,311)
Accumulated other comprehensive loss (920) (707)
Treasury stock, at cost 2011 - 9,150 shares, 2010 - 45,717 shares (111) (555)
Total stockholders' equity 36,182 35,581
Total liabilities and stockholders' equity $ 415,566 $ 423,435