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Consolidated Balance Sheets - USD ($)
$ in Thousands
Sep. 30, 2021
Dec. 31, 2020
ASSETS    
Cash and due from banks $ 19,004 $ 19,235
Federal funds sold and other interest-bearing deposits 94,262 161,128
Cash and cash equivalents 113,266 180,363
Certificates of deposit in other banks 6,673 9,376
Available-for-sale debt securities, at fair value 278,528 198,030
Other investments 6,015 6,353
Total investment securities 284,543 204,383
Loans held for investment 1,282,820 1,286,967
Allowance for loan losses (18,929) (18,113)
Net loans 1,263,891 1,268,854
Loans held for sale, at lower of cost or fair value 4,576 5,099
Premises and equipment - net 33,163 34,561
Mortgage servicing rights, at fair value 2,718 2,445
Other real estate owned - net 11,614 12,291
Accrued interest receivable 7,568 6,640
Cash surrender value - life insurance 2,495 2,451
Other assets 8,145 7,268
Total assets 1,738,652 1,733,731
Deposits    
Non-interest bearing demand 461,626 382,492
Savings, interest checking and money market 693,065 723,808
Time deposits $250,000 and over 77,113 91,263
Other time deposits 179,255 186,043
Total deposits 1,411,059 1,383,606
Federal funds purchased and securities sold under agreements to repurchase 27,443 45,154
Federal Home Loan Bank advances and other borrowings 93,493 106,674
Subordinated notes 49,486 49,486
Operating lease liabilities 1,910 2,137
Accrued interest payable 308 837
Other liabilities 15,859 15,248
Total liabilities 1,599,558 1,603,142
Stockholders' equity:    
Common stock, $1 par value, authorized 15,000,000 shares; issued 7,023,821 and 6,769,322 shares, respectively 7,024 6,769
Surplus 64,437 59,307
Retained earnings 77,303 68,935
Accumulated other comprehensive income, net of tax (1,572) 1,528
Treasury stock; 406,846, and 289,214 shares, at cost, respectively (8,098) (5,950)
Total stockholders' equity 139,094 130,589
Total liabilities and stockholders' equity $ 1,738,652 $ 1,733,731