Consolidated Balance Sheets - USD ($) $ in Thousands		Dec. 31, 2020	Dec. 31, 2019
Assets:
Cash and due from banks		$ 54,250	$ 58,680
Interest bearing deposits		283,985	206,003
Cash and cash equivalents		338,235	264,683
Certificates of deposit in other banks		245	245
Debt securities available-for-sale at fair value (amortized cost of $978,774 and $593,945, respectively)		997,261	599,844
Debt securities held-to-maturity at amortized cost (fair value of $0 and $517, respectively)		0	517
Equity securities at fair value		2,471	1,953
Loans held for sale		23,259	1,167
Loans		3,554,211	3,248,664
Allowance for credit losses	[1]	(48,022)	(35,096)
Net loans		3,506,189	3,213,568
Premises and equipment, net		42,001	44,046
Right-of-use assets		13,215	14,550
Federal Home Loan Bank stock		10,048	10,474
Federal Reserve Bank stock		4,887	4,887
Goodwill		65,490	65,490
Bank owned life insurance		72,373	69,269
Mortgage servicing rights		4,068	3,263
Other real estate owned		7,694	19,480
Accrued interest receivable		15,818	14,836
Other assets		35,887	37,731
Total assets		5,139,141	4,366,003
Deposits:
Noninterest bearing		1,140,925	865,760
Interest bearing		2,875,157	2,539,812
Total deposits		4,016,082	3,405,572
Repurchase agreements		355,862	226,917
Federal funds purchased		500	7,906
Advances from Federal Home Loan Bank		395	415
Long-term debt		57,841	57,841
Deferred tax liability		4,687	5,110
Operating lease liability		12,531	13,729
Finance lease liability		1,441	1,456
Accrued interest payable		1,243	2,839
Other liabilities		33,694	29,332
Total liabilities		4,484,276	3,751,117
Commitments and contingencies (notes 17 and 19)
Shareholders' equity:
Preferred stock, 300,000 shares authorized and unissued		0	0
Common stock, $5.00 par value, shares authorized 25,000,000; shares outstanding 2020 - 17,810,401; 2019 - 17,793,165		89,052	88,966
Capital surplus		225,507	224,907
Retained earnings		326,738	296,760
Accumulated other comprehensive income, net of tax		13,568	4,253
Total shareholders' equity		654,865	614,886
Total liabilities and shareholders' equity		$ 5,139,141	$ 4,366,003

[1] Effective January 1, 2020, the allowance for loan and lease losses became the allowance for credit losses with the implementation of ASU 2016-13, commonly referred to as CECL.