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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 $ 9,523 $ 14,207
Interest-bearing due from banks 13,978 1,396
Federal funds sold 1,354 12,828
Cash and cash equivalents 24,855 28,431
Securities available-for-sale, at fair value 236,599 206,092
Securities held-to-maturity (fair value approximates $1,526 and $1,957) 1,515 1,952
Restricted securities 3,451 4,320
Loans, net of allowance for loan losses of $8,498 and $13,228 511,829 573,391
Premises and equipment, net 30,264 29,616
Bank owned life insurance 21,593 18,020
Foreclosed assets, net of valuation allowance of $1,851 and $2,124 9,390 11,448
Other assets 10,008 13,572
Total Assets 849,504 886,842
Deposits:    
Noninterest-bearing deposits 163,639 129,208
Savings deposits 232,348 225,210
Time deposits 294,892 324,796
Total deposits 690,879 679,214
Federal funds purchased and other short-term borrowings 0 731
Overnight repurchase agreements 35,001 50,757
Term repurchase agreements 1,480 38,959
Federal Home Loan Bank advances 35,000 35,000
Accrued expenses and other liabilities 1,279 1,229
Total liabilities 763,639 805,890
Commitments and contingencies      
Stockholders' equity:    
Common stock, $5 par value, 10,000,000 shares authorized;4,959,009 and 4,936,989 shares issued and outstanding 24,795 24,685
Additional paid-in capital 16,310 16,026
Retained earnings 45,109 42,810
Accumulated other comprehensive loss (349) (2,569)
Total stockholders' equity 85,865 80,952
Total liabilities and equity $ 849,504 $ 886,842