CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 97,041	$ 49,794
Federal funds sold	31	32
Cash and cash equivalents	97,072	49,826
Interest-bearing deposits in other financial institutions	8,825	10,295
Securities available for sale	114,734	107,972
Federal Home Loan Bank stock	4,924	4,924
Loans:
Commercial	760,357	765,524
Mortgage	263,445	272,014
Consumer	20,375	21,238
Total Loans	1,044,177	1,058,776
Allowance for loan losses	(5,292)	(5,308)
Net loans	1,038,885	1,053,468
Premises and equipment	24,522	23,608
Other real estate held for sale	2,228	2,194
Deferred tax asset	3,154	3,732
Deposit based intangibles	4,874	5,043
Goodwill	19,574	19,574
Other assets	37,589	39,433
TOTAL ASSETS	1,356,381	1,320,069
Deposits:
Noninterest bearing deposits	278,191	287,611
NOW, money market, interest checking	369,003	373,165
Savings	109,818	109,548
CDs less than $250,000	227,924	233,956
CDs more than $250,000	14,152	12,775
Brokered	96,293	58,622
Total deposits	1,095,381	1,075,677
Federal funds purchased	22,790	6,225
Borrowings	67,120	64,551
Other liabilities	11,030	11,697
Total liabilities	1,196,321	1,158,150
SHAREHOLDERS’ EQUITY:
Common stock and additional paid in capital - No par value Authorized - 18,000,000 shares Issued and outstanding - 10,533,589 and 10,748,712 respectively	127,003	129,564
Retained earnings	33,316	31,740
Accumulated other comprehensive income (loss)
Unrealized gains on available for sale securities	151	1,025
Minimum pension liability	(410)	(410)
Total shareholders’ equity	160,060	161,919
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 1,356,381	$ 1,320,069