Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets:
Cash and due from banks	$ 14,583	$ 16,025
Interest-bearing deposits with financial institutions	1,080	1,460
Total cash and cash equivalents	15,663	17,485
Available-for-sale securities	185,117	182,810
Federal Home Loan Bank stock	4,383	6,339
Loans and leases, net (allowance for loan losses of $9,747 in 2019; $9,747 in 2018)	743,663	718,317
Loans held-for-sale (fair value $1,660 in 2019, $5,789 in 2018)	1,643	5,707
Foreclosed assets held-for-sale	369	190
Bank premises and equipment, net	21,557	18,920
Leased property under finance leases, net	280	333
Right-of-use assets	6,023
Cash surrender value of bank owned life insurance	23,261	20,615
Accrued interest receivable	3,281	3,271
Goodwill	209	209
Other assets	4,478	6,906
Total assets	1,009,927	981,102
Liabilities:
Deposits: Interest-bearing	643,714	575,452
Deposits: Non-interest-bearing	192,023	194,731
Total deposits	835,737	770,183
Accrued interest payable and other liabilities	7,674	8,956
Finance lease obligation	286	336
Operating lease liabilities	6,556
Short-term borrowings	37,839	76,366
FHLB advances	15,000	31,704
Total liabilities	903,092	887,545
Shareholders' equity:
Preferred stock authorized 5,000,000 shares with no par value; none issued
Capital stock, no par value (10,000,000 shares authorized; shares issued and outstanding; 3,781,500 in 2019; and 3,759,426 in 2018)	30,848	29,715
Retained earnings	72,385	64,937
Accumulated other comprehensive income (loss)	3,602	(1,095)
Total shareholders' equity	106,835	93,557
Total liabilities and shareholders' equity	$ 1,009,927	$ 981,102