Consolidated Balance Sheets – (unaudited) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Cash and non-interest-bearing deposits in other banks
Cash and non-interest-bearing deposits in other banks	$ 29,197	$ 27,291
Due from Federal Reserve Bank ("FRB")	294,135	191,704
Cash and cash equivalents	323,332	218,995
Investment securities (at fair value)
Available-for-sale ("AFS") securities	87,917	76,312
Marketable equity securities	3,865	3,776
Total investment securities	91,782	80,088
Loans
Loans	661,482	597,374
Unearned fees and unamortized loan origination costs - net	(1,038)	(820)
Allowance for credit losses	(8,708)	(7,908)
Net loans	651,736	588,646
Premises and equipment - net	9,379	9,380
Accrued interest receivable	10,099	8,208
Other real estate owned	5,018	6,753
Goodwill	4,488	4,488
Deferred tax assets - net	2,631	3,191
Cash surrender value of life insurance	20,403	20,955
Operating lease right-of-use assets	2,914	3,360
Other assets	12,165	12,855
Total assets	1,133,947	956,919
Deposits
Non-interest-bearing	430,028	311,950
Interest-bearing	564,755	506,412
Total deposits	994,783	818,362
Accrued interest payable	36	59
Operating lease liabilities	3,017	3,463
Other liabilities	7,977	8,239
Junior subordinated debentures (at fair value)	10,081	10,808
Total liabilities	1,015,894	840,931
Shareholders' Equity
Common stock, no par value; 20,000,000 shares authorized; issued and outstanding: 16,977,239 at September 30, 2020 and 16,973,885 at December 31, 2019	59,289	58,973
Retained earnings	59,084	57,647
Accumulated other comprehensive loss	(320)	(632)
Total shareholders' equity	118,053	115,988
Total liabilities and shareholders' equity	$ 1,133,947	$ 956,919