Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 16,676	$ 22,576
Federal funds sold and other interest-bearing deposits	58,619	55,545
Cash and cash equivalents	75,295	78,121
Certificates of deposit in other banks	11,106	10,862
Available-for-sale debt securities, at fair value	198,049	175,093
Other investments	7,296	5,808
Total investment securities	205,345	180,901
Loans held for investment	1,180,522	1,168,797
Allowances for loan losses	(15,693)	(12,477)
Net loans	1,164,829	1,156,320
Loans held for sale, at lower of cost or fair value	4,286	428
Premises and equipment - net	35,092	35,388
Mortgage servicing rights	2,274	2,482
Other real estate owned - net	12,769	12,781
Accrued interest receivable	6,263	6,481
Cash surrender value - life insurance	2,411	2,398
Other assets	6,828	6,800
Total assets	1,526,498	1,492,962
Deposits
Non-interest bearing demand	272,578	261,166
Savings, interest checking and money market	596,294	614,331
Time deposits $250,000 and over	111,779	104,262
Other time deposits	198,920	206,762
Total deposits	1,179,571	1,186,521
Federal funds purchased and securities sold under agreements to repurchase	30,764	27,272
Federal Home Loan Bank advances and other borrowings	133,861	96,919
Subordinated notes	49,486	49,486
Operating lease liabilities	2,162	2,224
Accrued interest payable	780	1,136
Other liabilities	13,204	14,366
Total liabilities	1,409,828	1,377,924
Stockholders' equity:
Common stock, $1 par value, authorized 15,000,000 shares; issued 6,519,874 shares	6,520	6,520
Surplus	55,727	55,727
Retained earnings	61,708	61,590
Accumulated other comprehensive loss, net of tax	(1,522)	(3,755)
Treasury stock; 278,572, and 243,638 shares, at cost, respectively	(5,763)	(5,044)
Total stockholders' equity	116,670	115,038
Total liabilities and stockholders' equity	$ 1,526,498	$ 1,492,962