Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 10,463	$ 17,059
Short-term interest-bearing deposits in other banks	164,686	40,087
Total cash and cash equivalents	175,149	57,146
Long-term interest-bearing deposits in other banks	10,492	12,741
Debt securities available for sale, at fair value	529,811	396,940
Equity securities	481	391
Restricted stock	495	468
Loans held for sale	2,827	9,446
Loans	998,812	1,009,704
Allowance for loan losses	(15,066)	(16,789)
Net Loans	983,746	992,915
Premises and equipment, net	19,190	13,105
Right of use asset	4,759	5,272
Bank owned life insurance	21,874	22,288
Goodwill	9,016	9,016
Deferred tax asset, net	3,314	2,401
Other assets	12,652	12,909
Total assets	1,773,806	1,535,038
Deposits
Non-interest bearing checking	298,403	259,060
Money management, savings and interest checking	1,211,703	1,019,348
Time	74,253	76,165
Total deposits	1,584,359	1,354,573
Subordinated notes	19,588	19,555
Lease liability	4,857	5,332
Other liabilities	7,937	10,402
Total liabilities	1,616,741	1,389,862
Commitments and contingent liabilities
Shareholders' equity
Common stock, $1 par value per share,15,000,000 shares authorized with 4,710,972 shares issued and 4,441,443 shares outstanding at December 31, 2021 and 4,710,872 shares issued and 4,389,355 shares outstanding at December 31, 2020	4,711	4,711
Capital stock without par value, 5,000,000 shares authorized with no shares issued and outstanding
Additional paid-in capital	43,085	42,589
Retained earnings	116,612	102,520
Accumulated other comprehensive (loss) income	(547)	3,190
Treasury stock, 269,529 shares at December 31, 2021 and 321,517 shares at December 31, 2020, at cost	(6,796)	(7,834)
Total shareholders' equity	157,065	145,176
Total liabilities and shareholders' equity	$ 1,773,806	$ 1,535,038