CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
ASSETS
Cash and noninterest-bearing deposits with banks	$ 14,328	$ 14,989
Interest-bearing deposits with banks	120,736	123,314
Total cash and cash equivalents	135,064	138,303
Certificates of deposit in financial institutions	2,500	2,500
Securities available for sale	173,448	112,322
Securities held to maturity (estimated fair value: 2021 - $9,949; 2020 - $10,344)	9,753	10,020
Restricted investments in bank stocks	7,265	7,506
Total loans	845,733	848,664
Less: Allowance for loan losses	(6,664)	(7,160)
Net loans	839,069	841,504
Premises and equipment, net	20,811	21,312
Premises and equipment held for sale, net	441	637
Other real estate owned, net	0	49
Accrued interest receivable	3,118	3,319
Goodwill	7,319	7,319
Other intangible assets, net	74	112
Bank owned life insurance and annuity assets	37,078	35,999
Operating lease right-of-use asset, net	1,235	880
Other assets	8,203	5,150
Total assets	1,245,378	1,186,932
LIABILITIES
Noninterest-bearing deposits	331,195	314,777
Interest-bearing deposits	720,480	678,962
Total deposits	1,051,675	993,739
Other borrowed funds	23,285	27,863
Subordinated debentures	8,500	8,500
Operating lease liability	1,235	880
Accrued liabilities	19,753	19,626
Total liabilities	1,104,448	1,050,608
COMMITMENTS AND CONTINGENT LIABILITIES (See Note 5)
SHAREHOLDERS' EQUITY
Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 5,447,185 shares issued)	5,447	5,447
Additional paid-in capital	51,165	51,165
Retained earnings	99,400	92,988
Accumulated other comprehensive income	1,088	2,436
Treasury stock, at cost (2021 - 676,308 shares, 2020 - 659,739 shares)	(16,170)	(15,712)
Total shareholders' equity	140,930	136,324
Total liabilities and shareholders' equity	$ 1,245,378	$ 1,186,932