Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 9,124	$ 6,834
Interest-bearing deposits in other banks	37,203	60,259
Federal funds sold	14	17
Securities available for sale, at fair value	79,783	71,884
Restricted investments	2,016	2,240
Mortgage loans held for sale	247
Loans	550,226	549,364
Allowance for loan losses	(5,227)	(5,176)
Loans, net	544,999	544,188
Premises and equipment, net	17,492	18,190
Accrued interest receivable	1,984	1,942
Other real estate owned, net	1,356	1,356
Bank-owned life insurance	13,961	13,595
Other assets	13,992	10,300
Total assets	722,171	730,805
Deposits:
Noninterest-bearing checking	123,492	123,576
Interest-bearing:
Checking	242,531	269,007
Savings and money market accounts	182,007	160,843
Time deposits	74,125	82,212
Total interest-bearing	498,663	512,062
Total deposits	622,155	635,638
Federal Home Loan Bank advances	16,695	23,780
Junior subordinated debt	4,124	4,124
Other liabilities	12,075	7,256
Total liabilities	655,049	670,798
Shareholders’ Equity
Common stock, par value $3.13, and additional paid-in capital; authorized: 8,000,000 shares; issued and outstanding: 3,783,724 and 3,773,836 shares including 20,352 and 22,569 unvested shares, respectively	15,964	15,742
Retained earnings	49,787	44,803
Accumulated other comprehensive income (loss), net	1,371	(538)
Total shareholders’ equity	67,122	60,007
Total liabilities and shareholders’ equity	$ 722,171	$ 730,805