Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Assets:
Cash and due from banks	$ 23,692	$ 17,979
Interest-bearing deposits in other banks	23,673	48,991
Total cash and cash equivalents	47,365	66,970
Securities available-for-sale, at fair value	256,928	266,943
Loans, net of deferred fees and costs	948,178	881,545
Allowance for loan and lease losses	(12,292)	(11,925)
Net loans	935,886	869,620
Premises and equipment, net	13,119	14,748
Other real estate owned	31	35
Life insurance	22,410	21,898
Deferred tax asset, net	7,039	6,505
Goodwill and core deposit intangible, net	1,841	2,030
Other assets	22,485	20,672
Total assets	1,307,104	1,269,421
Liabilities:
Demand - noninterest-bearing	347,199	305,650
Demand - interest-bearing	252,202	260,221
Money market accounts	265,093	236,769
Savings accounts	114,840	110,837
Certificates of deposit	152,382	189,255
Total deposits	1,131,716	1,102,732
Other borrowings	13,496	17,096
Less unamortized debt issuance costs	(91)	(138)
Net term debt	13,405	16,958
Junior subordinated debentures	10,310	10,310
Other liabilities	13,352	12,157
Total liabilities	1,168,783	1,142,157
Commitments and contingencies (Note 15)
Shareholders’ equity:
Common stock, no par value, 50,000,000 shares authorized; issued and outstanding - 16,333,502 as of December 31, 2018 and 16,271,563 as of December 31, 2017	52,284	51,830
Retained earnings	89,045	75,700
Accumulated other comprehensive loss, net of tax	(3,008)	(266)
Total shareholders’ equity	138,321	127,264
Total liabilities and shareholders’ equity	$ 1,307,104	$ 1,269,421