CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 17,134	$ 14,952
Interest-bearing deposits with banks	97,406	45,766
Federal funds sold	378	228
Total Cash and Cash Equivalents	114,918	60,946
Investment securities available-for-sale	98,845	107,358
Loans receivable	579,874	593,744
Allowance for loan losses	(6,593)	(6,735)
Net loans	573,281	587,009
Bank premises and equipment, net	19,675	20,735
Other real estate owned	321	1,361
Accrued interest receivable	2,174	2,112
Deferred taxes, net	4,570	1,673
Bank owned life insurance	4,602	4,685
Right-of-use assets – operating leases	3,816	4,062
Other assets	6,363	4,706
Total Assets	828,565	794,647
Deposits:
Noninterest bearing	269,052	251,257
Interest-bearing	454,862	456,256
Total Deposits	723,914	707,513
Borrowed funds	41,496	16,496
Lease liabilities – operating leases	3,816	4,062
Accrued interest payable	355	272
Accrued expenses and other liabilities	3,754	2,673
Total Liabilities	773,335	731,016
SHAREHOLDERS’ EQUITY
Common stock - $2.00 par value; 50,000,000 shares authorized; 23,877,601 and 23,922,086 shares issued and outstanding at September 30, 2022 and December 31, 2021, respectively	47,755	47,844
Additional paid-in-capital	14,556	14,570
Retained earnings	6,665	2,031
Accumulated other comprehensive loss	(13,746)	(814)
Total Shareholders’ Equity	55,230	63,631
Total Liabilities and Shareholders’ Equity	$ 828,565	$ 794,647