CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 22,851	$ 6,397
Interest-bearing deposits in banks	111,951	203,537
Federal funds sold	74,022	74,022
Total cash and cash equivalents	208,824	283,956
Securities available for sale, at fair value	151,027	132,172
Securities held to maturity, at amortized cost	19,667	19,672
Other equity securities, at fair value	8,937	9,232
Restricted equity securities, at cost	2,825	2,600
Loans held for sale	2,509	2,400
Loans, net of unearned income	1,310,070	1,250,300
Less allowance for loan losses	15,492	14,844
Loans, net	1,294,578	1,235,456
Premises and equipment, net	28,065	27,044
Accrued interest receivable	4,427	4,170
Bank owned life insurance	29,343	22,201
Annuities	15,523	12,888
Foreclosed assets	2,930	2,930
Goodwill	16,862	16,862
Core deposit intangible	1,434	1,500
Other assets	11,883	9,509
Total assets	1,798,834	1,782,592
Deposits:
Noninterest-bearing	515,110	541,546
Interest-bearing	1,026,729	1,014,905
Total deposits	1,541,839	1,556,451
Other borrowings	0	12,498
FHLB advances	25,950	25,950
Subordinated notes	47,154	0
Accrued interest payable	107	132
Other liabilities	14,595	10,363
Total liabilities	1,629,645	1,605,394
Stockholders' equity:
Preferred stock, $0.01 par value, 1,000,000 shares authorized; 0 shares issued and outstanding at March 31, 2022 and December 31, 2021	0	0
Common stock, $5 par value, 30,000,000 shares authorized; 8,749,878 and 9,012,857 shares issued and outstanding at March 31, 2022 and December 31, 2021, respectively	43,749	45,064
Capital surplus	76,426	80,640
Retained earnings	53,604	49,858
Accumulated other comprehensive income (loss)	(3,755)	2,113
Unvested restricted stock	(835)	(477)
Total stockholders' equity	169,189	177,198
Total liabilities and stockholders' equity	$ 1,798,834	$ 1,782,592