CONSOLIDATED STATEMENTS OF CONDITION - USD ($)	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 6,591,000	$ 5,914,000
Federal funds sold	102,000	101,000
Interest-earning deposits	201,492,000	154,758,000
Total cash and cash equivalents	208,185,000	160,773,000
Securities available for sale	390,755,000	377,936,000
Equity security, at fair value	10,836,000	4,719,000
FHLB and FRB stock, at cost	24,068,000	18,533,000
Loans held for sale, at fair value	2,881,000	1,576,000
Loans held for sale, at lower of cost or fair value	14,667,000	3,542,000
Loans	4,394,137,000	3,927,931,000
Less: allowance for loan losses	43,676,000	38,504,000
Net loans	4,350,461,000	3,889,427,000
Premises and equipment	20,913,000	27,408,000
Other real estate owned	50,000	0
Accrued interest receivable	10,494,000	10,814,000
Bank owned life insurance	46,128,000	45,353,000
Goodwill	30,208,000	24,417,000
Other intangible assets	10,380,000	7,982,000
Finance lease right-of-use assets	5,078,000
Operating lease right-of-use assets	12,132,000
Other assets	45,643,000	45,378,000
Total assets	5,182,879,000	4,617,858,000
Deposits:
Noninterest-bearing demand deposits	529,281,000	463,926,000
Interest-bearing deposits:
Checking	1,510,363,000	1,247,305,000
Savings	112,652,000	114,674,000
Money market accounts	1,196,313,000	1,243,369,000
Certificates of deposit - retail	633,763,000	510,724,000
Certificates of deposit - listing service	47,430,000	79,195,000
Subtotal deposits	4,029,802,000	3,659,193,000
Interest-bearing demand – Brokered	180,000,000	180,000,000
Certificates of deposit - Brokered	33,709,000	56,147,000
Total deposits	4,243,511,000	3,895,340,000
Short-term borrowings	128,100,000
FHLB advances	105,000,000	108,000,000
Finance lease liabilities	7,598,000	8,362,000
Operating lease liabilities	12,423,000
Subordinated debt, net	83,417,000	83,193,000
Deferred tax liabilities, net	26,151,000	16,029,000
Due to brokers, securities settlements	7,951,000
Accrued expenses and other liabilities	65,076,000	37,921,000
Total liabilities	4,679,227,000	4,148,845,000
SHAREHOLDERS’ EQUITY
Preferred stock (no par value; authorized 500,000 shares)
Common stock (no par value; stated value $0.83 per share; authorized 42,000,000 shares; issued shares, 20,074,766 at December 31, 2019 and 19,745,840 at December 31, 2018; outstanding shares, 18,926,810 at December 31, 2019 and 19,337,662 at December 31, 2018)	16,733,000	16,459,000
Surplus	319,375,000	309,088,000
Treasury stock at cost (1,147,956 shares at December 31, 2019 and 408,178 at December 31, 2018)	(29,990,000)	(8,988,000)
Retained earnings	199,029,000	154,799,000
Accumulated other comprehensive loss	(1,495,000)	(2,345,000)
Total shareholders’ equity	503,652,000	469,013,000
Total liabilities and shareholders’ equity	$ 5,182,879,000	$ 4,617,858,000