CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 218,901	$ 49,794
Federal funds sold	76	32
Cash and cash equivalents	218,977	49,826
Interest-bearing deposits in other financial institutions	2,917	10,295
Securities available for sale	111,836	107,972
Federal Home Loan Bank stock	4,924	4,924
Loans:
Commercial	819,907	765,524
Mortgage	238,705	272,014
Consumer	18,980	21,238
Total Loans	1,077,592	1,058,776
Allowance for loan losses	(5,816)	(5,308)
Net loans	1,071,776	1,053,468
Premises and equipment	25,518	23,608
Other real estate held for sale	1,752	2,194
Deferred tax asset	3,303	3,732
Deposit based intangibles	4,368	5,043
Goodwill	19,574	19,574
Other assets	36,785	39,433
TOTAL ASSETS	1,501,730	1,320,069
Deposits:
Noninterest bearing deposits	414,804	287,611
NOW, money market, interest checking	450,556	373,165
Savings	130,755	109,548
CDs less than $250,000	202,266	233,956
CDs more than $250,000	15,224	12,775
Brokered	45,171	58,622
Total deposits	1,258,776	1,075,677
Federal funds purchased		6,225
Borrowings	63,479	64,551
Other liabilities	11,611	11,697
Total liabilities	1,333,866	1,158,150
SHAREHOLDERS' EQUITY:
Common stock and additional paid in capital - No par value Authorized - 18,000,000 shares Issued and outstanding - 10,500,758 and 10,748,712 respectively	127,164	129,564
Retained earnings	39,318	31,740
Accumulated other comprehensive income
Unrealized gains on available for sale securities	1,965	1,025
Minimum pension liability	(583)	(410)
Total shareholders' equity	167,864	161,919
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,501,730	$ 1,320,069