Consolidated Balance Sheets (USD $) In Thousands, unless otherwise specified	Dec. 31, 2013	Dec. 31, 2012
ASSETS
Cash and due from banks	$ 28,874	$ 38,544
Short term investments	45,780	61,057
Total cash and cash equivalents	74,654	99,601
FDIC insured bank time certificates of deposit	944	2,927
Trading Account Securities	18	6
Securities available for sale	343,602	353,678
Federal Home Loan Bank stock	7,266	7,266
Loans held for sale	401	2,921
Loans	987,146	963,762
Allowance for loan losses	(17,997)	(21,340)
Premises and equipment, net	24,169	24,356
Goodwill	35,513	35,513
Core deposits and other intangibles	596	965
Other real estate owned	1,838	2,925
Accrued interest receivable and other assets	21,575	26,182
TOTAL ASSETS	1,479,725	1,498,762
Deposits:
Non-interest bearing demand accounts	267,405	251,109
Interest bearing accounts:
Demand	360,834	348,598
Savings	282,341	265,323
Time	322,212	376,371
Total Deposits	1,232,792	1,241,401
Securities sold under agreements to repurchase and overnight borrowings	47,635	42,785
Federal Home Loan Bank advances	19,790	22,493
Subordinated debentures	36,084	36,084
Accrued interest payable and other liabilities	5,798	8,941
Total Liabilities	1,342,099	1,351,704
SHAREHOLDERS’ EQUITY
Preferred stock; no par value, 300,000 shares authorized; None issued and outstanding in 2013 and17,000 shares issued and outstanding in 2012	0	16,908
Common stock; no par value, 20,000,000 shares authorized; 8,083,022 and 8,001,903 shares issued and outstanding in 2013 and 2012	116,640	115,621
Retained earnings	20,739	10,921
Accumulated other comprehensive income	247	3,608
Total Shareholders’ Equity	137,626	147,058
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 1,479,725	$ 1,498,762