Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 22,856	$ 23,687
Federal funds sold and other interest-bearing deposits	21,559	18,396
Cash and cash equivalents	44,415	42,083
Certificates of deposit in other banks	11,601	12,247
Available-for-sale debt securities, at fair value	181,270	218,205
Other investments	6,210	5,675
Total investment securities	187,480	223,880
Loans	1,151,518	1,146,627
Allowances for loan losses	(12,178)	(11,652)
Net loans	1,139,340	1,134,975
Premises and equipment - net	35,754	34,894
Mortgage servicing rights	2,575	2,931
Other real estate owned - net	12,878	13,691
Accrued interest receivable	6,215	6,162
Cash surrender value - life insurance	2,385	2,542
Other assets	6,695	8,277
Total assets	1,449,338	1,481,682
Deposits
Non-interest bearing demand	284,452	262,857
Savings, interest checking and money market	550,350	614,040
Time deposits $250,000 and over	94,970	104,900
Other time deposits	207,635	216,671
Total deposits	1,137,407	1,198,468
Federal funds purchased and securities sold under agreements to repurchase	27,191	24,647
Federal Home Loan Bank advances and other borrowings	106,980	95,153
Subordinated notes	49,486	49,486
Operating lease liabilities	2,285
Accrued interest payable	1,020	1,035
Other liabilities	12,155	13,479
Total liabilities	1,336,524	1,382,268
Stockholders' equity:
Common stock, $1 par value, authorized 15,000,000 shares; issued 6,519,874 and 6,278,481 shares, respectively	6,520	6,279
Surplus	55,727	50,173
Retained earnings	58,275	54,105
Accumulated other comprehensive loss, net of tax	(2,664)	(6,099)
Treasury stock; 243,638 shares, at cost	(5,044)	(5,044)
Total stockholders' equity	112,814	99,414
Total liabilities and stockholders' equity	$ 1,449,338	$ 1,481,682