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Consolidated Balance Sheets (Unaudited) - USD ($)
$ in Thousands
Mar. 31, 2020
Dec. 31, 2019
Cash and cash equivalents    
Cash and due from banks $ 18,277 $ 17,648
Interest-earning deposits in other banks 77,995 84,369
Total cash and cash equivalents 96,272 102,017
Securities    
Available-for-sale, at fair value 108,263 112,146
Held-to-maturity (fair value 2020-$11,542; 2019-13,950) 11,242 13,869
Equity securities 79 92
Restricted stock, at cost 4,614 4,614
Total securities 124,198 130,721
Loans held for sale 256 622
Loans 555,320 551,633
Less allowance for loan losses 7,120 7,017
Net loans 548,200 544,616
Premises and equipment, net 12,387 12,040
Core deposit intangible 89 104
Goodwill 4,728 4,728
Bank-owned life insurance 19,023 18,894
Accrued interest receivable and other assets 4,888 4,941
TOTAL ASSETS 810,041 818,683
Deposits    
Noninterest-bearing 188,137 197,780
Interest-bearing 483,025 485,766
Total deposits 671,162 683,546
Short-term borrowings 40,605 38,889
Other borrowings 6,206 6,330
Accrued interest payable and other liabilities 4,439 4,442
Total liabilities 722,412 733,207
SHAREHOLDERS' EQUITY    
Common stock, $6.25 par value. Authorized 9,000,000 shares; issued 2,980,602 shares; outstanding 2,742,350 shares 2020 and 2019 18,629 18,629
Additional paid-in capital 9,815 9,815
Retained earnings 63,455 61,740
Treasury stock at cost: 238,252 shares 2020 and 2019 (4,780) (4,780)
Accumulated other comprehensive income 510 72
Total shareholders' equity 87,629 85,476
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $ 810,041 $ 818,683