Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 12,848	$ 15,336
Short-term interest-bearing deposits in other banks	40,502	68,492
Total cash and cash equivalents	53,350	83,828
Long-term interest-bearing deposits in other banks	10,738	8,746
Debt securities available for sale, at fair value	208,040	187,433
Equity securities	313	440
Restricted stock	465	465
Loans held for sale	2,751	2,040
Loans	936,386	934,575
Allowance for loan losses	(14,730)	(11,966)
Net Loans	921,656	922,609
Premises and equipment, net	13,717	13,851
Right of use asset	5,118	5,126
Bank owned life insurance	20,955	23,748
Goodwill	9,016	9,016
Other real estate owned
Deferred tax asset, net	3,570	4,003
Other assets	12,437	7,852
Total assets	1,262,126	1,269,157
Deposits
Noninterest-bearing checking	198,384	192,108
Money management, savings and interest checking	835,208	843,936
Time	83,841	89,348
Total deposits	1,117,433	1,125,392
Lease liability	5,159	5,161
Other liabilities	10,529	11,076
Total liabilities	1,133,121	1,141,629
Commitments and contingent liabilities
Shareholders' equity
Common stock, $1 par value per share,15,000,000 shares authorized with 4,710,822 shares issued and 4,337,520 shares outstanding at March 31, 2020 and 4,709,849 shares issued and 4,352,753 shares outstanding at December 31, 2019	4,711	4,710
Capital stock without par value, 5,000,000 shares authorized with no shares issued and outstanding
Additional paid-in capital	42,390	42,268
Retained earnings	95,359	94,946
Accumulated other comprehensive loss	(4,360)	(5,986)
Treasury stock, 373,302 shares at March 31, 2020 and 357,096 shares at December 31, 2019, at cost	(9,095)	(8,410)
Total shareholders' equity	129,005	127,528
Total liabilities and shareholders' equity	$ 1,262,126	$ 1,269,157