CONSOLIDATED BALANCE SHEETS - USD ($)	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 21,922,000	$ 25,835,000
Federal funds sold	260,000	266,000
Cash and cash equivalents	22,182,000	26,101,000
Interest bearing time deposits	2,375,000	2,175,000
Securities available for sale	265,330,000	315,369,000
Loans held for sale	2,144,000	1,203,000
Loans	744,313,000	686,144,000
Allowance for loan losses	(8,460,000)	(8,127,000)
Net loans	735,853,000	678,017,000
Federal Home Loan Bank stock	7,034,000	7,034,000
Real estate owned, net	2,148,000	830,000
Bank premises and equipment, net	19,429,000	17,349,000
Interest receivable	4,166,000	4,150,000
Mortgage servicing rights	1,573,000	1,536,000
Goodwill	14,001,000	14,001,000
Other intangible assets	136,000	238,000
Bank owned life insurance	18,165,000	10,198,000
Operating lease right of use asset	8,195,000
Other assets	8,059,000	7,811,000
Total assets	1,110,790,000	1,086,012,000
Deposits
Non-interest bearing	235,268,000	231,429,000
Time deposits, $250,000 and over	43,345,000	59,736,000
Other interest bearing	564,040,000	559,277,000
Total deposits	842,653,000	850,442,000
Repurchase agreements	5,994,000	8,077,000
Short-term Federal Home Loan Bank advances	25,000,000	11,600,000
Long-term Federal Home Loan Bank advances	91,418,000	88,852,000
Note payable		2,718,000
Subordinated debentures	7,217,000	7,217,000
Interest payable	1,170,000	893,000
Operating lease liability	8,350,000
Other liabilities	9,725,000	9,420,000
Total liabilities	991,527,000	979,219,000
Stockholders’ equity
Preferred stock, 300,000 shares authorized and unissued
Common stock, no par value; 20,000,000 shares authorized; 5,913,922 and 5,955,242 shares issued and outstanding at December 31, 2019 and December 31, 2018	21,447,000	21,170,000
Retained earnings	96,903,000	89,101,000
Accumulated other comprehensive income (loss)	913,000	(3,478,000)
Total stockholders’ equity	119,263,000	106,793,000
Total liabilities and stockholders’ equity	$ 1,110,790,000	$ 1,086,012,000