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Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2018
Dec. 31, 2017
Assets    
Cash and due from banks, including reserve requirements of $8,918 at 12/31/18 and $7,472 at 12/31/17 $ 40,553 $ 53,186
Interest-bearing deposits 2,817 4,118
Cash and cash equivalents 43,370 57,304
Investment securities available for sale 194,578 229,321
Other investments 4,361 1,830
Total securities 198,939 231,151
Mortgage loans held for sale 680 857
Loans 804,023 759,764
Less allowance for loan losses (6,445) (6,366)
Net loans 797,578 753,398
Premises and equipment, net 18,450 19,911
Cash surrender value of life insurance 15,936 15,552
Other real estate 27 118
Accrued interest receivable and other assets 18,271 13,875
Total assets 1,093,251 1,092,166
Deposits:    
Non-interest bearing demand 298,817 285,406
NOW, MMDA & savings 475,223 498,445
Time, $250,000 or more 16,239 18,756
Other time 86,934 104,345
Total deposits 877,213 906,952
Securities sold under agreements to repurchase 58,095 37,757
Junior subordinated debentures 20,619 20,619
Accrued interest payable and other liabilities 13,707 10,863
Total liabilities 969,634 976,191
Commitments (Note 10)
Shareholders' equity:    
Series A preferred stock, $1,000 stated value; authorized 5,000,000 shares; no shares issued and outstanding 0 0
Common stock, no par value; authorized 20,000,000 shares; issued and outstanding 5,995,256 shares at December 31, 2018 and December 31, 2017 62,096 62,096
Retained earnings 60,535 50,286
Accumulated other comprehensive income 986 3,593
Total shareholders' equity 123,617 115,975
Total liabilities and shareholders' equity $ 1,093,251 $ 1,092,166