Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Consolidated Balance Sheets
Cash and due from banks	$ 31,909	$ 32,819
Interest-bearing deposits	50,926	49,556
Cash and cash equivalents	82,835	82,375
Investment securities available for sale	393,260	391,924
Other investments	2,779	2,874
Total securities	396,039	394,798
Mortgage loans held for sale	1,288	686
Loans	1,110,672	1,093,066
Less allowance for credit losses	(10,016)	(11,041)
Net loans	1,100,656	1,082,025
Premises and equipment, net	15,888	16,702
Cash surrender value of life insurance	18,365	18,134
Right of use lease asset	4,374	4,731
Accrued interest receivable and other assets	35,953	36,459
Total assets	1,655,398	1,635,910
Deposits:
Noninterest-bearing demand	415,977	432,687
Interest-bearing demand, MMDA & savings	710,446	620,244
Time, over $250,000	147,333	148,904
Other time	202,200	190,210
Total deposits	1,475,956	1,392,045
Securities sold under agreements to repurchase	18,824	86,715
Junior subordinated debentures	15,464	15,464
Lease liability	4,487	4,832
Accrued interest payable and other liabilities	16,355	15,838
Total liabilities	1,531,086	1,514,894
Shareholders' equity:
Preferred stock, no par value; authorized 5,000,000 shares; no shares issued and outstanding	0	0
Common stock, no par value; authorized 20,000,000 shares; issued and outstanding 5,457,646 shares at June 30, 2024 and 5,534,499 shares at December 31, 2023	48,678	50,625
Common stock held by deferred compensation trust, at cost: 166,247 shares at June 30, 2024 and 163,702 shares at December 31, 2023	1,980	1,910
Deferred compensation	1,980	1,910
Retained earnings	115,623	109,756
Accumulated other comprehensive loss	(39,989)	(39,365)
Total shareholders' equity	124,312	121,016
Total liabilities and shareholders' equity	$ 1,655,398	$ 1,635,910