Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Assets
Interest bearing deposits with banks	$ 222,143	$ 110,742
Cash and due from banks	19,366	20,849
Total cash and cash equivalents	241,509	131,591
Securities, available-for-sale	197,796	159,675
Restricted investment in bank stocks, at cost	2,593	4,551
Loans held for sale	13,817	11,803
Loans (net of deferred fees of $7,547 - 2020 and $3,463 - 2019)	1,575,011	1,505,135
Less-allowance for loan losses	(20,909)	(21,066)
Net loans	1,554,102	1,484,069
Premises and equipment, net	25,785	25,967
Operating leases right-of-use assets	2,534	3,021
Goodwill	2,301	2,301
Other assets	68,534	63,567
Total assets	2,108,971	1,886,545
Deposits
Noninterest bearing	404,125	273,968
Interest bearing	1,441,748	1,316,596
Total deposits	1,845,873	1,590,564
Short-term borrowings	9,309	7,925
Long-term debt	46,613	81,632
Operating leases liabilities	2,669	3,184
Other liabilities	10,246	12,072
Total liabilities	1,914,710	1,695,377
Shareholders' equity
Preferred stock, par value $2.50 per share; 1,000,000 shares authorized; shares issued and outstanding: 0 at September 30, 2020 and 0 at December 31, 2019	0	0
Common stock, par value $2.50 per share; 30,000,000 shares authorized; Shares issued: 9,795,542 at September 30, 2020 and 9,755,976 at December 31, 2019; and shares outstanding: 9,795,362 at September 30, 2020 and 9,755,976 at December 31, 2019	24,489	24,390
Additional paid-in capital	141,184	140,450
Retained earnings	24,601	25,019
Accumulated other comprehensive income	3,989	1,309
Treasury stock, at cost; 180 shares at September 30, 2020	(2)	0
Total shareholders' equity	194,261	191,168
Total liabilities and shareholders' equity	$ 2,108,971	$ 1,886,545