Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 9,834	$ 9,124
Interest-bearing deposits in other banks	22,919	37,203
Federal funds sold	14	14
Securities available for sale, at fair value	81,652	79,783
Restricted investments	1,838	2,016
Mortgage loans held for sale	936	247
Loans	567,693	550,226
Allowance for loan losses	(5,594)	(5,227)
Loans, net	562,099	544,999
Premises and equipment, net	17,197	17,492
Accrued interest receivable	1,926	1,984
Other real estate owned, net	1,356	1,356
Bank-owned life insurance	14,051	13,961
Other assets	13,672	13,992
Total assets	727,494	722,171
Deposits:
Noninterest-bearing checking	124,711	123,492
Interest-bearing:
Checking	253,887	242,531
Savings and money market accounts	179,917	182,007
Time deposits	71,045	74,125
Total interest-bearing	504,849	498,663
Total deposits	629,560	622,155
Federal Home Loan Bank advances	12,673	16,695
Junior subordinated debt	4,124	4,124
Other liabilities	11,900	12,075
Total liabilities	658,257	655,049
Shareholders’ Equity
Common stock, par value $3.13, and additional paid-in capital; authorized: 8,000,000 shares; issued and outstanding: 3,794,725 and 3,783,724 shares including 19,843 and 20,352 unvested restricted shares, respectively	16,083	15,964
Retained earnings	50,709	49,787
Accumulated other comprehensive income, net	2,445	1,371
Total shareholders’ equity	69,237	67,122
Total liabilities and shareholders’ equity	$ 727,494	$ 722,171