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Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2020
Dec. 31, 2019
ASSETS    
Cash and due from banks $ 19,235 $ 22,576
Federal funds sold and other interest-bearing deposits 161,128 55,545
Cash and cash equivalents 180,363 78,121
Certificates of deposit in other banks 9,376 10,862
Available-for-sale debt securities, at fair value 198,030 175,093
Other investments 6,353 5,808
Total investment securities 204,383 180,901
Loans held for investment 1,286,967 1,168,797
Allowances for loan losses (18,113) (12,477)
Net loans 1,268,854 1,156,320
Loans held for sale, at lower of cost or fair value 5,099 428
Premises and equipment - net 34,561 35,388
Mortgage servicing rights, at fair value 2,445 2,482
Other real estate owned - net 12,291 12,781
Accrued interest receivable 6,640 6,481
Cash surrender value - life insurance 2,451 2,398
Other assets 7,268 6,800
Total assets 1,733,731 1,492,962
Deposits    
Non-interest bearing demand 382,492 261,166
Savings, interest checking and money market 723,808 614,331
Time deposits $250,000 and over 91,263 104,262
Other time deposits 186,043 206,762
Total deposits 1,383,606 1,186,521
Federal funds purchased and securities sold under agreements to repurchase 45,154 27,272
Federal Home Loan Bank advances and other borrowings 106,674 96,919
Subordinated notes 49,486 49,486
Operating lease liabilities 2,137 2,224
Accrued interest payable 837 1,136
Other liabilities 15,248 14,366
Total liabilities 1,603,142 1,377,924
Stockholders' equity:    
Common stock, $1 par value, authorized 15,000,000 shares; issued 6,769,322 and 6,519,874 shares, respectively 6,769 6,520
Surplus 59,307 55,727
Retained earnings 68,935 61,590
Accumulated other comprehensive loss, net of tax 1,528 (3,755)
Treasury stock; 289,214, and 243,638 shares, at cost, respectively (5,950) (5,044)
Total stockholders' equity 130,589 115,038
Total liabilities and stockholders' equity $ 1,733,731 $ 1,492,962