CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 18,076	$ 15,042
Interest-bearing deposits in other financial institutions	172,422	179,281
Federal funds sold and other short-term investments	13,456	36,610
Cash and cash equivalents	203,954	230,933
Securities available-for-sale, at fair value	422,665	441,534
Loans	772,638	721,587
Less allowance for loan losses	10,556	10,225
Loans, net	762,082	711,362
Payments in excess of funding	206,158	160,777
Premises and equipment, net	20,527	22,031
Investments in bank-owned life insurance	17,599	17,384
Goodwill	14,262	12,569
Other intangible assets, net	4,281	1,554
Other assets	112,715	97,032
Total assets	1,764,243	1,695,176
Deposits
Noninterest-bearing	351,091	313,258
Interest-bearing	406,045	408,668
Total deposits	757,136	721,926
Accounts and drafts payable	684,295	694,360
Short-term borrowings	18,000
Other liabilities	60,622	49,042
Total liabilities	1,520,053	1,465,328
Shareholders' Equity:
Preferred stock, par value $.50 per share; 2,000,000 shares authorized and no shares issued
Common stock, par value $.50 per share; 40,000,000 shares authorized, 15,505,772 shares issued at December 31, 2019 and 2018.	7,753	7,753
Additional paid-in capital	205,397	205,770
Retained earnings	90,341	75,171
Common shares in treasury, at cost (991,406 and 894,486 shares at December 31, 2019 and 2018, respectively)	(45,381)	(39,974)
Accumulated other comprehensive loss	(13,920)	(18,872)
Total shareholders' equity	244,190	229,848
Total liabilities and shareholders' equity	$ 1,764,243	$ 1,695,176