CONSOLIDATED BALANCE SHEETS (unaudited) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 25,063	$ 25,835
Federal funds sold	227	266
Cash and cash equivalents	25,290	26,101
Interest bearing time deposits	2,375	2,175
Securities available for sale	246,542	315,369
Loans held for sale	5,232	1,203
Loans	732,267	686,144
Allowance for loan losses	(8,266)	(8,127)
Net loans	724,001	678,017
Federal Home Loan Bank stock	7,034	7,034
Real estate owned, net	925	830
Bank premises and equipment, net	18,360	17,349
Interest receivable	4,028	4,150
Mortgage servicing rights	1,410	1,536
Goodwill	14,001	14,001
Other intangible assets	157	238
Bank owned life insurance	18,020	10,198
Operating lease right of use asset	8,410
Other assets	7,230	7,811
Total assets	1,083,015	1,086,012
Deposits
Non-interest bearing	241,427	231,429
Time deposits, $250,000 and over	36,228	59,736
Other interest bearing	551,546	559,277
Total deposits	829,201	850,442
Repurchase agreements	6,037	8,077
Short-term Federal Home Loan Bank advances	5,000	11,600
Long-term Federal Home Loan Bank advances	95,677	88,852
Note payable	1,996	2,718
Subordinated debentures	7,217	7,217
Interest payable	1,028	893
Operating lease liability	8,513
Other liabilities	11,170	9,420
Total liabilities	965,839	979,219
Stockholders’ equity
Preferred stock, 300,000 shares authorized and unissued
Common stock, no par value; 20,000,000 shares authorized; 5,914,292 and 5,955,242 shares issued and outstanding at September 30, 2019 and December 31, 2018	21,395	21,170
Retained earnings	94,420	89,101
Accumulated other comprehensive income (loss)	1,361	(3,478)
Total stockholders’ equity	117,176	106,793
Total liabilities and stockholders’ equity	$ 1,083,015	$ 1,086,012