Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 17,059	$ 15,336
Short-term interest-bearing deposits in other banks	40,087	68,492
Total cash and cash equivalents	57,146	83,828
Long-term interest-bearing deposits in other banks	12,741	8,746
Debt securities available for sale, at fair value	396,940	187,433
Equity securities	391	440
Restricted stock	468	465
Loans held for sale	9,446	2,040
Loans	1,009,704	934,575
Allowance for loan losses	(16,789)	(11,966)
Net Loans	992,915	922,609
Premises and equipment, net	13,105	13,851
Right of use asset	5,272	5,126
Bank owned life insurance	22,288	23,748
Goodwill	9,016	9,016
Other real estate owned
Deferred tax asset, net	2,401	4,003
Other assets	12,909	7,852
Total assets	1,535,038	1,269,157
Deposits
Noninterest-bearing checking	259,060	192,108
Money management, savings and interest checking	1,019,348	843,936
Time	76,165	89,348
Total deposits	1,354,573	1,125,392
Subordinate notes	19,555
Lease liability	5,332	5,161
Other liabilities	10,402	11,076
Total liabilities	1,389,862	1,141,629
Commitments and contingent liabilities
Shareholders' equity
Common stock, $1 par value per share,15,000,000 shares authorized with 4,710,872 shares issued and 4,389,355 shares outstanding at December 31, 2020 and 4,709,849 shares issued and 4,352,753 shares outstanding at December 31, 2019	4,711	4,710
Capital stock no par value, 5,000,000 shares authorized with no shares issued and outstanding
Additional paid-in capital	42,589	42,268
Retained earnings	102,520	94,946
Accumulated other comprehensive income (loss)	3,190	(5,986)
Treasury stock, 321,517 shares at December 31, 2020 and 357,096 shares at December 31, 2019, at cost	(7,834)	(8,410)
Total shareholders' equity	145,176	127,528
Total liabilities and shareholders' equity	$ 1,535,038	$ 1,269,157