Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 5,405	$ 4,045
Federal funds sold and overnight deposits	45,729	33,244
Cash and cash equivalents	51,134	37,289
Interest bearing deposits in banks	6,565	9,300
Investment securities available-for-sale	87,393	73,405
Other investments	690	556
Total investments	88,083	73,961
Loans held for sale	7,442	2,899
Loans	670,244	642,461
Allowance for loan losses	(6,122)	(5,739)
Net deferred loan costs	1,043	938
Net loans	665,165	637,660
Premises and equipment, net	20,923	16,073
Goodwill	2,223	2,223
Company-owned life insurance	12,322	9,040
Other assets	19,055	16,892
Total assets	872,912	805,337
Deposits
Noninterest bearing	136,434	132,971
Interest bearing	458,940	444,722
Time	148,653	129,077
Total deposits	744,027	706,770
Borrowed funds	47,164	27,821
Accrued interest and other liabilities	9,878	6,255
Total liabilities	801,069	740,846
Commitments and Contingencies (Notes 9, 15, 16, 18, 19 and 22)
Stockholders’ Equity
Common stock, $2.00 par value; 7,500,000 shares authorized; 4,948,245 shares issued at December 31, 2019 and 4,943,690 shares issued at December 31, 2018	9,897	9,888
Additional-paid-in capital	1,124	894
Retained earnings	64,019	58,911
Treasury stock at cost; 476,268 shares at December 31, 2019 and 477,011 shares at December 31, 2018	(4,183)	(4,179)
Accumulated other comprehensive income (loss)	986	(1,023)
Total stockholders' equity	71,843	64,491
Total liabilities and stockholders' equity	$ 872,912	$ 805,337