CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
ASSETS
Cash and noninterest-bearing deposits with banks	$ 13,587	$ 14,111
Interest-bearing deposits with banks	99,524	137,923
Total cash and cash equivalents	113,111	152,034
Certificates of deposit in financial institutions	1,868	2,329
Securities available for sale	184,844	177,000
Securities held to maturity (estimated fair value: 2022 - $8,655; 2021 - $10,450)	9,642	10,294
Restricted investments in bank stocks	5,953	7,265
Total loans	855,913	831,191
Less: Allowance for loan losses	(4,811)	(6,483)
Net loans	851,102	824,708
Premises and equipment, net	20,490	20,730
Premises and equipment held for sale, net	598	438
Other real estate owned, net	15	15
Accrued interest receivable	3,053	2,695
Goodwill	7,319	7,319
Other intangible assets, net	35	64
Bank owned life insurance and annuity assets	39,417	37,281
Operating lease right-of-use asset, net	1,170	1,195
Deferred tax assets	7,056	2,217
Other assets	6,801	4,185
Total assets	1,252,474	1,249,769
LIABILITIES
Noninterest-bearing deposits	353,352	353,578
Interest-bearing deposits	720,973	706,330
Total deposits	1,074,325	1,059,908
Other borrowed funds	18,085	19,614
Subordinated debentures	8,500	8,500
Operating lease liability	1,170	1,195
Other liabilities	21,774	19,196
Total liabilities	1,123,854	1,108,413
COMMITMENTS AND CONTINGENT LIABILITIES (See Note 5)
SHAREHOLDERS' EQUITY
Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 2022 - 5,465,707 shares issued; 2021 - 5,447,185 shares issued)	5,465	5,447
Additional paid-in capital	51,722	51,165
Retained earnings	106,799	100,702
Accumulated other comprehensive income (loss)	(18,700)	708
Treasury stock, at cost (693,933 shares)	(16,666)	(16,666)
Total shareholders' equity	128,620	141,356
Total liabilities and shareholders' equity	$ 1,252,474	$ 1,249,769