CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
CONSOLIDATED BALANCE SHEETS
Cash and due from banks	$ 23,480	$ 34,190
Federal funds sold		2,554
Cash and cash equivalents	23,480	36,744
Securities available-for-sale (amortized cost of $158,387 and $120,215 as of December 31, 2021 and December 31, 2020)	159,302	123,562
Securities held-to-maturity (fair value of $6,591 and $6,857 as of December 31, 2021 and December 31, 2020)	6,372	6,510
Equity investments	2,354	1,031
Mortgage loans held for sale (amortized cost of $80,002 and $225,007 as of December 31, 2021 and December 31, 2020), at fair value	80,882	229,199
Loans, net of fees and costs (includes $17,558 and $12,182 of loans at fair value, amortized cost of $17,106 and $11,514 as of December 31, 2021 and December 31, 2020)	1,386,457	1,284,764
Allowance for loan and lease losses	(18,758)	(17,767)
Loans, net of the allowance for loan and lease losses	1,367,699	1,266,997
Restricted investment in bank stock	5,117	7,861
Bank premises and equipment, net	11,806	7,777
Bank owned life insurance	22,503	12,138
Accrued interest receivable	5,009	5,482
Deferred income taxes	1,413	62
Servicing assets	12,765	5,617
Goodwill	899	899
Intangible assets	3,379	3,601
Other assets	10,463	12,717
Total assets	1,713,443	1,720,197
Deposits:
Non-interest bearing	274,528	203,843
Interest bearing	1,171,885	1,037,492
Total deposits	1,446,413	1,241,335
Short-term borrowings	41,344	106,862
Long-term debt		165,546
Subordinated debentures	40,508	40,671
Accrued interest payable	31	1,154
Other liabilities	19,787	23,007
Total liabilities	1,548,083	1,578,575
Stockholders' equity:
Common stock, $1 par value. Authorized 25,000,000 and 10,000,000 shares as of December 31, 2021 and December 31, 2020; issued 6,534,587 and 6,455,566 as of December 31, 2021 and December 31, 2020	6,535	6,456
Surplus	83,663	81,196
Treasury stock - 426,693 and 320,000 shares at December 31, 2021 and December 31, 2020	(8,860)	(5,828)
Unearned common stock held by employee stock ownership plan	(1,602)	(1,768)
Retained earnings	84,916	59,010
Accumulated other comprehensive income	708	2,556
Total stockholders' equity	165,360	141,622
Total liabilities and stockholders' equity	$ 1,713,443	$ 1,720,197