CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 25,641	$ 30,985
Interest-bearing deposits in other financial institutions	472,786	393,810
Federal funds sold and other short-term investments	1,882	245,733
Cash and cash equivalents	500,309	670,528
Securities available-for-sale, at fair value	541,079	357,726
Loans	872,905	891,676
Less: Allowance for credit losses	11,532	11,944
Loans, net	861,373	879,732
Payments in excess of funding	266,379	194,563
Premises and equipment, net	17,499	18,057
Investment in bank-owned life insurance	42,926	18,058
Goodwill	14,262	14,262
Other intangible assets, net	2,779	3,423
Other assets	46,380	46,886
Total assets	2,292,986	2,203,235
Deposits:
Noninterest-bearing	467,320	493,504
Interest-bearing	619,997	557,352
Total deposits	1,087,317	1,050,856
Accounts and drafts payable	905,479	835,386
Other liabilities	52,547	55,833
Total liabilities	2,045,343	1,942,075
Shareholders’ Equity:
Preferred stock, par value $.50 per share; 2,000,000 shares authorized and no shares issued	0	0
Common stock, par value $.50 per share; 40,000,000 shares authorized and 15,505,772 shares issued at September 30, 2021 and December 31, 2020	7,753	7,753
Additional paid-in capital	204,113	204,875
Retained earnings	108,388	99,062
Common shares in treasury, at cost (1,495,624 shares at September 30, 2021 and 1,113,103 shares at December 31, 2020)	(67,018)	(50,515)
Accumulated other comprehensive loss	(5,593)	(15)
Total shareholders’ equity	247,643	261,160
Total liabilities and shareholders’ equity	$ 2,292,986	$ 2,203,235