CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 49,794	$ 64,151
Federal funds sold	32	6
Cash and cash equivalents	49,826	64,157
Interest-bearing deposits in other financial institutions	10,295	13,452
Securities available for sale	107,972	116,748
Federal Home Loan Bank stock	4,924	4,924
Loans:
Commercial	765,524	717,032
Mortgage	272,014	301,461
Consumer	21,238	20,371
Total Loans	1,058,776	1,038,864
Allowance for loan losses	(5,308)	(5,183)
Net loans	1,053,468	1,033,681
Premises and equipment	23,608	22,783
Other real estate held for sale	2,194	3,119
Deferred tax asset	3,732	5,763
Deposit based intangibles	5,043	5,720
Goodwill	19,574	22,024
Other assets	39,433	25,669
TOTAL ASSETS	1,320,069	1,318,040
Deposits:
Noninterest bearing deposits	287,611	241,556
NOW, money market, interest checking	373,165	368,890
Savings	109,548	111,358
CDs less than $250,000	233,956	225,236
CDs more than $250,000	12,775	13,737
Brokered	58,622	136,760
Total deposits	1,075,677	1,097,537
Federal funds purchased	6,225	2,905
Borrowings	64,551	57,536
Other liabilities	11,697	7,993
Total liabilities	1,158,150	1,165,971
SHAREHOLDERS’ EQUITY:
Common stock and additional paid in capital - No par value Authorized - 18,000,000 shares Issued and outstanding - 10,748,712 and 10,712,745 respectively	129,564	129,066
Retained earnings	31,740	23,466
Accumulated other comprehensive income (loss)
Unrealized gains (losses) on available for sale securities	1,025	(245)
Minimum pension liability	(410)	(218)
Total shareholders’ equity	161,919	152,069
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 1,320,069	$ 1,318,040