Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 7,946	$ 8,448
Interest-earning deposits	35,171	19,367
Total cash and cash equivalents	43,117	27,815
Investment securities available-for-sale (Note 3)	130,643	136,131
Regulatory stock (Note 3)	2,995	2,835
Loans held for sale	4,711	4,890
Total loans (Note 4)	482,239	518,716
Less allowance for loan losses (Note 4)	(5,087)	(4,465)
Net loans	477,152	514,251
Premises and equipment	12,211	12,018
Bank-owned life insurance	17,861	17,768
Other assets	23,960	21,454
Total assets	712,650	737,162
LIABILITIES
Noninterest-bearing deposits	132,888	133,340
Interest-bearing deposits	460,368	485,041
Total deposits	593,256	618,381
Securities sold under agreements to repurchase (Note 13)	1,675	1,922
Federal Home Loan Bank advances - short term	2,000
Federal Home Loan Bank advances - long term	22,000	24,000
Subordinated debt (Note 7)	5,155	5,155
Other liabilities	15,355	13,366
Total liabilities	639,441	662,824
SHAREHOLDERS’ EQUITY
Common stock - $5.00 stated value - authorized 20,000,000 shares; issued 4,728,267 shares in 2020 and 2019; outstanding shares, 4,227,755 in 2020 and 4,323,822 in 2019	23,641	23,641
Additional paid-in capital	21,314	21,266
Retained earnings	36,745	36,187
Accumulated other comprehensive income (Note 10)	2,401	1,168
Treasury stock, at cost, 500,512 shares in 2020 and 404,445 in 2019	(10,892)	(7,924)
Total shareholders’ equity	73,209	74,338
Total liabilities and shareholders’ equity	$ 712,650	$ 737,162