Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 8,267	$ 6,834
Interest-bearing deposits in other banks	52,283	60,259
Federal funds sold	14	17
Securities available for sale, at fair value	72,557	71,884
Restricted investments	2,571	2,240
Mortgage loans held for sale	1,500
Loans	545,227	549,364
Allowance for loan losses	(5,395)	(5,176)
Loans, net	539,832	544,188
Premises and equipment, net	17,723	18,190
Accrued interest receivable	1,929	1,942
Other real estate owned, net	1,356	1,356
Bank-owned life insurance	13,870	13,595
Other assets	14,437	10,300
Total assets	726,339	730,805
Deposits:
Noninterest-bearing checking	128,097	123,576
Interest-bearing:
Checking	226,437	269,007
Savings and money market accounts	168,966	160,843
Time deposits	90,500	82,212
Total interest-bearing	485,903	512,062
Total deposits	614,000	635,638
Federal Home Loan Bank advances	29,717	23,780
Junior subordinated debt	4,124	4,124
Other liabilities	12,522	7,256
Total liabilities	660,363	670,798
Shareholders’ Equity
Common stock, par value $3.13, and additional paid-in capital; authorized: 8,000,000 shares; issued and outstanding: 3,784,934 and 3,773,836 shares including 23,634 and 22,569 unvested shares, respectively	15,930	15,742
Retained earnings	48,687	44,803
Accumulated other comprehensive income (loss), net	1,359	(538)
Total shareholders’ equity	65,976	60,007
Total liabilities and shareholders’ equity	$ 726,339	$ 730,805