CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 22,416	$ 12,301
Short-term investments	169,033	502,627
Cash and cash equivalents	191,449	514,928
Securities available-for-sale, at fair value	774,610	673,453
Loans	977,202	960,567
Less: Allowance for credit losses	12,406	12,041
Loans, net	964,796	948,526
Payments in advance of funding	329,622	291,427
Premises and equipment, net	19,086	18,113
Investment in bank-owned life insurance	47,163	43,176
Goodwill	14,262	14,262
Other intangible assets, net	2,429	2,564
Other assets	78,626	48,452
Total assets	2,422,043	2,554,901
Deposits:
Noninterest-bearing	621,819	582,642
Interest-bearing	555,116	638,861
Total deposits	1,176,935	1,221,503
Accounts and drafts payable	989,733	1,050,396
Other liabilities	38,297	37,204
Total liabilities	2,204,965	2,309,103
Shareholders’ Equity:
Preferred stock, par value $.50 per share; 2,000,000 shares authorized and no shares issued	0	0
Common stock, par value $.50 per share; 40,000,000 shares authorized and 15,505,772 shares issued at March 31, 2022 and December 31, 2021; 13,644,741 and 13,734,295 shares outstanding at March 31, 2022 and December 31, 2021, respectively.	7,753	7,753
Additional paid-in capital	203,149	204,276
Retained earnings	116,646	112,220
Common shares in treasury, at cost (1,861,031 shares at March 31, 2022 and 1,771,477 shares at December 31, 2021)	(82,348)	(78,904)
Accumulated other comprehensive (loss) income	(28,122)	453
Total shareholders’ equity	217,078	245,798
Total liabilities and shareholders’ equity	$ 2,422,043	$ 2,554,901