Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 8,483	$ 11,333
Interest-earning deposits	12,025	8,359
Total cash and cash equivalents	20,508	19,692
Investment securities available-for-sale (Note 3)	136,456	136,923
Regulatory stock (Note 3)	2,835	2,581
Loans held for sale	4,988	1,040
Total loans (Note 4)	488,435	514,392
Less allowance for loan losses (Note 4)	(4,641)	(4,198)
Net loans	483,794	510,194
Premises and equipment	11,752	10,202
Bank-owned life insurance	17,672	15,711
Other assets	22,616	18,323
Total assets	700,621	714,666
LIABILITIES
Noninterest-bearing deposits	138,537	136,886
Interest-bearing deposits	448,591	467,533
Total deposits	587,128	604,419
Securities sold under agreements to repurchase (Note 13)	1,307	2,206
Federal Home Loan Bank advances - short term		12,000
Federal Home Loan Bank advances - long term	19,000	16,000
Subordinated debt (Note 7)	5,155	5,155
Other liabilities	13,878	9,968
Total liabilities	626,468	649,748
SHAREHOLDERS’ EQUITY
Common stock - $5.00 stated value - authorized 20,000,000 shares; issued 4,728,267 shares in 2019 and 2018; outstanding shares, 4,378,723 in 2019 and 4,349,624 in 2018	23,641	23,641
Additional paid-in capital	21,153	20,984
Retained earnings	34,808	31,089
Accumulated other comprehensive income (loss) (Note 10)	1,261	(3,656)
Treasury stock, at cost, 349,544 shares in 2019 and 378,643 in 2018	(6,710)	(7,140)
Total shareholders’ equity	74,153	64,918
Total liabilities and shareholders’ equity	$ 700,621	$ 714,666