Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 15,336	$ 16,957
Short-term interest-bearing deposits in other banks	68,492	36,000
Total cash and cash equivalents	83,828	52,957
Long-term interest-bearing deposits in other banks	8,746
Debt securities available for sale, at fair value	187,433	131,472
Equity securities	440	374
Restricted stock	465	452
Loans held for sale	2,040	118
Loans	934,575	973,375
Allowance for loan losses	(11,966)	(12,415)
Net Loans	922,609	960,960
Premises and equipment, net	13,851	13,521
Right of use asset	5,126
Bank owned life insurance	23,748	23,496
Goodwill	9,016	9,016
Other real estate owned		2,684
Deferred tax asset, net	4,003	5,992
Other assets	7,852	8,545
Total assets	1,269,157	1,209,587
Deposits
Non-interest bearing checking	192,108	197,417
Money management, savings and interest checking	843,936	823,619
Time	89,348	61,593
Total deposits	1,125,392	1,082,629
Lease liability	5,161
Other liabilities	11,076	8,562
Total liabilities	1,141,629	1,091,191
Commitments and contingent liabilities
Shareholders' equity
Common stock, $1 par value per share,15,000,000 shares authorized with 4,709,849 shares issued and 4,352,753 shares outstanding at December 31, 2019 and 4,701,367 shares issued and 4,408,761 shares outstanding at December 31, 2018	4,710	4,701
Capital stock without par value, 5,000,000 shares authorized with no shares issued and outstanding
Additional paid-in capital	42,268	41,530
Retained earnings	94,946	83,946
Accumulated other comprehensive loss	(5,986)	(6,380)
Treasury stock, 357,096 shares at December 31, 2019 and 292,606 shares at December 31, 2018, at cost	(8,410)	(5,401)
Total shareholders' equity	127,528	118,396
Total liabilities and shareholders' equity	$ 1,269,157	$ 1,209,587