Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 8,388	$ 8,858
Interest-bearing deposits with banks	34,861	12,159
Federal funds sold	1,138	18,990
Investment securities available for sale	32,881	45,428
Restricted equity securities	2,394	2,053
Loans, net of allowance for loan losses of $3,893 at December 31, 2019 and $3,495 at December 31, 2018	566,460	532,970
Cash value of life insurance	17,855	17,413
Foreclosed assets		753
Properties and equipment, net	23,437	20,685
Accrued interest receivable	2,072	2,084
Core deposit intangible	3,070	3,892
Goodwill	3,257	3,198
Deferred tax assets, net	985	1,853
Other assets	9,492	9,948
	706,290	680,284
Liabilities
Noninterest-bearing	165,900	160,166
Interest-bearing	445,311	441,702
Total deposits	611,211	601,868
FHLB Advances	10,000
Accrued interest payable	132	89
Other liabilities	3,519	2,705
	624,862	604,662
Commitments and contingencies (Note 18)
Stockholders’ Equity
Preferred stock, no par value; 5,000,000 shares authorized, none issued
Common stock, no par value; 25,000,000 shares authorized, 6,137,275 and 6,213,275 issued and outstanding at December 31, 2019 and 2018, respectively
Surplus	40,752	41,660
Retained earnings	41,600	35,929
Accumulated other comprehensive loss	(924)	(1,967)
	81,428	75,622
	$ 706,290	$ 680,284