CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 5,755	$ 20,908
Short-term investments	217,972	351,560
Cash and cash equivalents	223,727	372,468
Securities available-for-sale, at fair value	540,802	627,117
Loans	1,061,991	1,014,318
Less: Allowance for credit losses	13,634	13,089
Loans, net	1,048,357	1,001,229
Payments in advance of funding	214,581	198,861
Premises and equipment, net	33,469	30,093
Investment in bank-owned life insurance	49,840	49,159
Goodwill	17,309	17,309
Other intangible assets, net	2,972	3,345
Receivables from Customers	78,407	110,651
Other assets	73,132	68,390
Total assets	2,282,596	2,478,622
Deposits:
Noninterest-bearing	372,031	524,359
Interest-bearing	640,315	616,455
Total deposits	1,012,346	1,140,814
Accounts and drafts payable	996,832	1,071,369
Other liabilities	43,493	36,630
Total liabilities	2,052,671	2,248,813
Shareholders’ Equity:
Preferred stock, par value $.50 per share; 2,000,000 shares authorized and no shares issued	0	0
Common Stock, Value, Outstanding	7,753	7,753
Additional paid-in capital	204,128	208,007
Retained earnings	149,236	145,782
Common shares in treasury, at cost (1,860,524 shares at June 30, 2024 and 1,923,397 shares at December 31, 2023)	81,554	84,264
Accumulated other comprehensive loss	(49,638)	(47,469)
Total shareholders’ equity	229,925	229,809
Total liabilities and shareholders’ equity	$ 2,282,596	$ 2,478,622