CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 9,525	$ 11,768
Interest-bearing deposits with other banks	34,161	14,910
Cash and cash equivalents	43,686	26,678
Interest bearing time deposits with other banks	200	200
Securities available for sale, at fair value	212,181	182,139
Securities held to maturity, at amortized cost (fair value of $4,083 and $4,151 at December 31, 2019 and December 31, 2018, respectively)	4,012	4,078
Other Bank Stock, at cost	12,498	11,764
Loans receivable, net of unearned income	1,628,846	1,474,775
Less: allowance for loan losses	10,267	8,775
Net loans receivable	1,618,579	1,466,000
Foreclosed real estate	3,793	4,149
Premises and equipment, net	19,080	19,215
Right-of-use assets, net	4,644
Accrued interest receivable	6,175	6,546
Goodwill and intangibles	29,039	29,446
Bank-owned life insurance	37,209	35,778
Other assets	10,561	9,710
Total Assets	2,001,657	1,795,703
Deposits:
Non-interest bearing	258,311	259,807
Interest bearing	1,266,730	1,094,132
Total deposits	1,525,041	1,353,939
Short-term borrowings	193,000	175,295
Long-term borrowings	40,114	44,611
Lease liability	4,727
Accrued interest payable and other liabilities	11,677	8,555
Subordinated debentures	27,869	27,859
Total Liabilities	1,802,428	1,610,259
Stockholders' Equity:
Common stock, no par value, 15,000,000 shares authorized; 9,589,201 and 9,532,943 shares issued and 9,357,994 and 9,532,943 shares outstanding at December 31, 2019 and December 31, 2018, respectively	151,165	150,419
Treasury stock, at cost; 231,207 shares at December 31, 2019	(5,132)
Deferred compensation obligation under Rabbi Trust	1,852	1,647
Retained earnings	54,706	35,192
Accumulated other comprehensive (loss)	(1,510)	(167)
Stock held by Rabbi Trust	(1,852)	(1,647)
Total Stockholders' Equity	199,229	185,444
Total Liabilities and Stockholders' Equity	$ 2,001,657	$ 1,795,703