Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Assets
Cash and due from banks	$ 12,882	$ 12,926
Interest-bearing deposits	43,491	51,233
Securities available for sale, at fair value	425,010	331,387
Securities held to maturity (fair value of $130,113 at December 31, 2017)	0	127,164
Restricted stock	1,220	1,200
Mortgage loans held for sale	72	260
Loans:
Real estate construction loans	37,845	34,694
Consumer real estate loans	175,456	166,965
Commercial real estate loans	353,546	340,414
Commercial non real estate loans	46,535	40,518
Public sector and IDA loans	60,777	51,443
Consumer non real estate loans	36,238	34,648
Total loans	710,397	668,682
Less unearned income and deferred fees and costs	(598)	(613)
Loans, net of unearned income and deferred fees and costs	709,799	668,069
Less allowance for loan losses	(7,390)	(7,925)
Loans, net	702,409	660,144
Premises and equipment, net	8,646	8,221
Accrued interest receivable	5,160	5,297
Other real estate owned, net	2,052	2,817
Intangible assets and goodwill	5,848	5,898
Bank-owned life insurance (BOLI)	34,657	33,756
Other assets	14,585	16,454
Total assets	1,256,032	1,256,757
Liabilities and Stockholders’ Equity
Noninterest-bearing demand deposits	195,441	182,511
Interest-bearing demand deposits	616,527	622,189
Savings deposits	138,175	140,150
Time deposits	101,799	114,884
Total deposits	1,051,942	1,059,734
Accrued interest payable	89	62
Other liabilities	13,763	12,065
Total liabilities	1,065,794	1,071,861
Commitments and contingencies
Stockholders’ equity:
Preferred stock, no par value, 5,000,000 shares authorized; none issued and outstanding	0	0
Common stock of $1.25 par value. Authorized 10,000,000 shares; issued and outstanding, 6,957,974 shares in 2018 and 2017	8,698	8,698
Retained earnings	193,625	185,893
Accumulated other comprehensive loss, net	(12,085)	(9,695)
Total stockholders’ equity	190,238	184,896
Total liabilities and stockholders’ equity	$ 1,256,032	$ 1,256,757