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Consolidated Balance Sheets - USD ($)
$ in Thousands
Mar. 31, 2021
Dec. 31, 2020
ASSETS    
Cash and due from banks $ 18,496 $ 19,235
Federal funds sold and other interest-bearing deposits 128,207 161,128
Cash and cash equivalents 146,703 180,363
Certificates of deposit in other banks 8,897 9,376
Available-for-sale debt securities, at fair value 238,142 198,030
Other investments 6,188 6,353
Total investment securities 244,330 204,383
Loans held for investment 1,276,185 1,286,967
Allowance for loan losses (18,361) (18,113)
Net loans 1,257,824 1,268,854
Loans held for sale, at lower of cost or fair value 6,308 5,099
Premises and equipment - net 34,027 34,561
Mortgage servicing rights, at fair value 2,494 2,445
Other real estate owned - net 12,140 12,291
Accrued interest receivable 6,488 6,640
Cash surrender value - life insurance 2,465 2,451
Other assets 10,248 7,268
Total assets 1,731,924 1,733,731
Deposits    
Non-interest bearing demand 431,035 382,492
Savings, interest checking and money market 708,615 723,808
Time deposits $250,000 and over 74,406 91,263
Other time deposits 179,926 186,043
Total deposits 1,393,982 1,383,606
Federal funds purchased and securities sold under agreements to repurchase 42,018 45,154
Federal Home Loan Bank advances and other borrowings 97,614 106,674
Subordinated notes 49,486 49,486
Operating lease liabilities 2,058 2,137
Accrued interest payable 439 837
Other liabilities 15,619 15,248
Total liabilities 1,601,216 1,603,142
Stockholders' equity:    
Common stock, $1 par value, authorized 15,000,000 shares; issued 6,769,322 6,769 6,769
Surplus 59,307 59,307
Retained earnings 73,947 68,935
Accumulated other comprehensive income (loss), net of tax (1,217) 1,528
Treasury stock; 406,846, and 289,214 shares, at cost, respectively (8,098) (5,950)
Total stockholders' equity 130,708 130,589
Total liabilities and stockholders' equity $ 1,731,924 $ 1,733,731