CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 14,545	$ 30,985
Interest-bearing deposits in other financial institutions	424,263	393,810
Federal funds sold and other short-term investments	182,773	245,733
Cash and cash equivalents	621,581	670,528
Securities available-for-sale, at fair value	507,047	357,726
Loans	871,020	891,676
Less: Allowance for credit losses	11,171	11,944
Loans, net	859,849	879,732
Payments in excess of funding	184,262	194,563
Premises and equipment, net	17,741	18,057
Investment in bank-owned life insurance	17,758	18,058
Goodwill	14,262	14,262
Other intangible assets, net	2,993	3,423
Other assets	46,840	46,886
Total assets	2,272,333	2,203,235
Deposits:
Noninterest-bearing	422,374	493,504
Interest-bearing	593,569	557,352
Total deposits	1,015,943	1,050,856
Accounts and drafts payable	939,570	835,386
Other liabilities	56,053	55,833
Total liabilities	2,011,566	1,942,075
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 June 30, 2021 and December 31, 2020	7,753	7,753
Additional paid-in capital	203,098	204,875
Retained earnings	105,398	99,062
Common shares in treasury, at cost (1,183,885 shares at June 30, 2021 and 1,113,103 shares at December 31, 2020)	(53,437)	(50,515)
Accumulated other comprehensive loss	(2,045)	(15)
Total shareholders' equity	260,767	261,160
Total liabilities and shareholders' equity	$ 2,272,333	$ 2,203,235