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CONSOLIDATED BALANCE SHEETS (unaudited) - USD ($)
$ in Thousands
Sep. 30, 2018
Dec. 31, 2017
Cash and cash equivalents:    
Cash and due from banks $ 63,762 $ 37,205
Federal funds sold 94 823
Cash and cash equivalents 63,856 38,028
Investment securities:    
Available for sale, at fair value 327,449 381,535
Held to maturity, at cost (estimated fair value of $105,726 and $118,557 respectively) 110,950 120,121
Investment securities 438,399 501,656
Federal Home Loan Bank stock, at cost 2,381 2,351
Loans held for sale 570 1,308
Loans, net of unearned income 1,189,386 1,149,014
Less: allowance for loan losses 10,577 9,225
Net loans 1,178,809 1,139,789
Premises and equipment, net 38,902 38,020
Goodwill 3,472 3,472
Intangible assets, net 3,900 4,424
Other real estate, net 1,161 1,281
Accrued interest receivable 7,459 7,982
Other assets 13,644 12,119
Total Assets 1,752,553 1,750,430
Deposits:    
Noninterest-bearing demand 251,767 251,617
Interest-bearing demand 508,837 611,677
Savings 112,271 104,661
Time 671,567 581,331
Total deposits 1,544,442 1,549,286
Short-term borrowings 24,000 15,500
Accrued interest payable 3,295 2,488
Senior long-term debt 20,572 22,774
Junior subordinated debentures 14,691 14,664
Other liabilities 3,209 1,735
Total Liabilities 1,610,209 1,606,447
Common stock:    
$1 par value - authorized 100,600,000 shares; issued 8,807,175 shares 8,807 8,807
Surplus 92,268 92,268
Retained earnings 52,138 44,464
Accumulated other comprehensive (loss) (10,869) (1,556)
Total Shareholders' Equity 142,344 143,983
Total Liabilities and Shareholders' Equity $ 1,752,553 $ 1,750,430