Consolidated Balance Sheets - USD ($)	Sep. 30, 2024	Dec. 31, 2023
Consolidated Balance Sheets
Cash and due from banks	$ 36,061,000	$ 32,819,000
Interest-bearing deposits	37,101,000	49,556,000
Cash and cash equivalents	73,162,000	82,375,000
Investment securities available for sale	398,573,000	391,924,000
Other investments	2,753,000	2,874,000
Total securities	401,326,000	394,798,000
Mortgage loans held for sale	1,218,000	686,000
Loans	1,124,177,000	1,093,066,000
Less allowance for credit losses	(10,616,000)	(11,041,000)
Net loans	1,113,561,000	1,082,025,000
Premises and equipment, net	15,206,000	16,702,000
Cash surrender value of life insurance	18,482,000	18,134,000
Right of use lease asset	4,194,000	4,731,000
Accrued interest receivable and other assets	34,501,000	36,459,000
Total assets	1,661,650,000	1,635,910,000
Deposits:
Noninterest-bearing demand	408,766,000	432,687,000
Interest-bearing demand, MMDA & savings	728,142,000	620,244,000
Time, over $250,000	143,573,000	148,904,000
Other time	199,496,000	190,210,000
Total deposits	1,479,977,000	1,392,045,000
Securities sold under agreements to repurchase	8,429,000	86,715,000
Junior subordinated debentures	15,464,000	15,464,000
Lease liability	4,312,000	4,832,000
Accrued interest payable and other liabilities	17,186,000	15,838,000
Total liabilities	1,525,368,000	1,514,894,000
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 September 30, 2024 and 5,534,499 shares at December 31, 2023	48,678,000	50,625,000
Common stock held by deferred compensation trust, at cost; 158,905 at September 30, 2024 and 163,702 shares at December 31, 2023	(1,772,000)	(1,910,000)
Deferred compensation	(1,772,000)	(1,910,000)
Retained earnings	118,542,000	109,756,000
Accumulated other comprehensive loss	(30,938,000)	(39,365,000)
Total shareholders' equity	136,282,000	121,016,000
Total liabilities and shareholders' equity	$ 1,661,650,000	$ 1,635,910,000