CONSOLIDATED BALANCE SHEET (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 16,559	$ 15,258
Interest-bearing deposits in banks	56,469	2,552
Total cash and cash equivalents	73,028	17,810
Investment securities:
Available-for-sale, at fair value	266,917	261,965
Held-to-maturity, at amortized cost; fair value of $16 at September 30, 2020 and $266 at December 31, 2019	15	248
Loans, less allowance for loan losses of $6,616 at September 30, 2020 and $5,138 at December 31, 2019	471,647	393,802
Premises and equipment, net	948	1,191
Federal Home Loan Bank stock	4,212	4,259
Goodwill and other intangible assets	16,321	16,321
Other real estate owned	846	846
Bank owned life insurance	16,021	15,763
Accrued interest receivable and other assets	7,979	8,148
Total assets	857,934	720,353
Deposits:
Noninterest bearing	295,862	227,055
Interest-bearing	432,969	377,782
Total deposits	728,831	604,837
Short-term borrowings	12,000	9,000
Long-term borrowings	15,460	10,500
Accrued interest payable and other liabilities	9,959	13,107
Total liabilities	766,250	637,444
Shareholders’ equity:
Preferred stock, no par value; 10,000,000 shares authorized; none outstanding
Common stock, no par value; 20,000,000 shares authorized; issued and outstanding – 5,938,009 shares at September 30, 2020 and 5,898,878 shares at December 31, 2019	30,855	30,536
Retained earnings	54,290	50,581
Accumulated other comprehensive income, net of taxes	6,539	1,792
Total shareholders’ equity	91,684	82,909
Total liabilities and shareholders’ equity	$ 857,934	$ 720,353