CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 15,950	$ 18,076
Interest-bearing deposits in other financial institutions	208,783	172,422
Federal funds sold and other short-term investments	214,718	13,456
Cash and cash equivalents	439,451	203,954
Securities available-for-sale, at fair value	365,165	422,665
Loans	944,557	772,638
Less: Allowance for loan losses	11,298	10,556
Loans, net	933,259	762,082
Payments in excess of funding	161,392	206,158
Premises and equipment, net	18,890	20,527
Investment in bank-owned life insurance	17,942	17,599
Goodwill	14,262	14,262
Other intangible assets, net	3,637	4,281
Other assets	46,465	112,715
Total assets	2,000,463	1,764,243
Deposits:
Noninterest-bearing	374,382	351,091
Interest-bearing	536,803	406,045
Total deposits	911,185	757,136
Accounts and drafts payable	771,607	684,295
Short-term borrowings		18,000
Other liabilities	66,180	60,622
Total liabilities	1,748,972	1,520,053
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 and 15,505,772 shares issued at September 30, 2020 and December 31, 2019	7,753	7,753
Additional paid-in capital	205,053	205,397
Retained earnings	97,402	90,341
Common shares in treasury, at cost (1,083,639 shares at September 30, 2020 and 991,406 shares at December 31, 2019)	(49,410)	(45,381)
Accumulated other comprehensive loss	(9,307)	(13,920)
Total shareholders' equity	251,491	244,190
Total liabilities and shareholders' equity	$ 2,000,463	$ 1,764,243