CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
ASSETS
Cash and due from banks	$ 74,388	$ 74,107
Federal funds sold	0	0
Securities available-for-sale	784,916	814,931
Loans, net of allowance of $19,909 in 2017 and $18,773 in 2016	1,933,552	1,886,852
Restricted Stock	10,390	10,379
Accrued interest receivable	13,970	12,913
Premises and equipment, net	46,554	48,272
Bank-owned life insurance	86,186	85,016
Goodwill	34,355	34,355
Other intangible assets	1,197	1,630
Other real estate owned	603	1,880
Other assets	22,607	30,333
TOTAL ASSETS	3,008,718	3,000,668
Deposits:
Non-interest-bearing	431,923	425,001
Interest-bearing:
Certificates of deposit that meet or exceed the FDIC insurance limit	42,284	43,178
Interest-bearing Domestic Deposit, Other	1,962,520	1,990,474
Total Deposits	2,436,727	2,458,653
Federal Funds Purchased and Securities Sold under Agreements to Repurchase	69,656	57,686
Other borrowings	0	0
Other liabilities	59,634	70,760
TOTAL LIABILITIES	2,566,017	2,587,099
Shareholders’ equity
Common stock, $1.25 stated value per share, Authorized shares- 40,000,000, Issued shares - 14,612,540 in 2018 and 14,595,320 in 2017, Outstanding shares - 12,278,295 in 2018 and 12,246,464 in 2017	1,824	1,822
Additional paid-in capital	76,774	75,624
Retained earnings	456,716	420,275
Accumulated other comprehensive income (loss)	(23,454)	(14,704)
Less: Treasury shares at cost-2,334,245 in 2018 and 2,348,856 in 2017	(69,159)	(69,448)
TOTAL SHAREHOLDERS’ EQUITY	442,701	413,569
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY	$ 3,008,718	$ 3,000,668