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CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($)
Dec. 31, 2023
Sep. 30, 2023
Jun. 30, 2023
Mar. 31, 2023
Jan. 01, 2023
Dec. 31, 2022
Dec. 31, 2021
ASSETS              
Cash and due from banks $ 17,189,000 $ 27,377,000 $ 14,383,000 $ 11,681,000   $ 10,856,000  
Interest bearing deposits with banks 11,741,000 390,000 190,000 222,000   143,000  
Cash and cash equivalents 28,930,000 27,767,000 14,573,000 11,903,000   10,999,000  
Equity securities 1,073,000 978,000 992,000 1,033,000   1,056,000  
Debt securities available for sale 67,564,000 66,527,000 69,098,000 72,485,000   73,536,000  
Debt securities held to maturity (fair value $198,147 and $209,887, respectively) 200,644,000 202,646,000 205,208,000 207,637,000   209,565,000  
Restricted investment in bank stock 1,707,000 2,476,000 2,483,000 3,318,000   3,666,000  
Total loans 525,394,000 514,132,000 505,184,000 488,497,000   484,512,000  
Less: Allowance for credit losses (5,677,000) (5,586,000) (5,442,000) (5,374,000) $ (4,027,000) (4,027,000)  
Total loans, net of allowance for credit losses 519,717,000 508,546,000 499,742,000 483,123,000   480,485,000  
Premises and equipment, net 8,180,000 8,131,000 8,211,000 8,092,000   8,190,000  
Bank owned life insurance and annuities 14,841,000 14,783,000 14,712,000 15,259,000   15,197,000 $ 16,852,000
Investment in low income housing partnerships 1,154,000 1,234,000 1,315,000 1,395,000   1,507,000  
Core deposit and other intangible assets 343,000 368,000 393,000 110,000   121,000  
Goodwill 9,812,000 9,812,000 9,871,000 9,047,000   9,047,000  
Mortgage servicing rights 83,000 84,000 87,000 90,000   92,000  
Deferred tax asset 11,319,000 12,099,000 12,112,000 12,122,000   11,968,000  
Accrued interest receivable and other assets 5,188,000 5,922,000 5,408,000 4,767,000   4,190,000  
Total assets 870,555,000 861,412,000 844,205,000 830,381,000   829,619,000  
Liabilities:              
Non-interest bearing 197,027,000 200,619,000 195,300,000 200,044,000   199,131,000  
Interest bearing 552,018,000 556,823,000 544,677,000 524,214,000   512,381,000  
Total deposits 749,045,000 757,442,000 739,977,000 724,258,000   711,512,000  
Short-term borrowings and repurchase agreements 52,810,000 39,638,000 41,827,000 42,822,000   55,710,000  
Long-term debt 20,000,000 20,000,000 20,000,000 20,000,000   20,000,000  
Other interest bearing liabilities 951,000 941,000 1,006,000 986,000   1,011,000  
Accrued interest payable and other liabilities 7,612,000 6,512,000 5,650,000 6,042,000   5,693,000  
Total liabilities 830,418,000 824,533,000 808,460,000 794,108,000   793,926,000  
Commitments and contingent liabilities          
Stockholders' Equity:              
Preferred stock, no par value: Authorized - 500,000 shares, none issued 0         0  
Common stock, par value $1.00 per share: Authorized 20,000,000 shares; Issued - 5,151,279 shares at December 31, 2023 and December 31, 2022; Outstanding - 4,991,129 shares at December 31, 2023 and 5,003,059 shares at December 31, 2022 5,151,000 5,151,000 5,151,000 5,151,000   5,151,000  
Surplus 24,924,000 24,887,000 24,852,000 24,823,000   24,986,000  
Retained earnings 51,297,000 50,722,000 50,035,000 49,739,000   49,961,000  
Accumulated other comprehensive loss (38,640,000) (41,601,000) (42,013,000) (41,088,000)   (41,867,000)  
Cost of common stock in Treasury: 160,150 shares at December 31, 2023; 148,220 shares at December 31, 2022 (2,595,000) (2,280,000) (2,280,000) (2,352,000)   (2,538,000)  
Total stockholders' equity 40,137,000 36,879,000 35,745,000 36,273,000   35,693,000 $ 71,290,000
Total liabilities and stockholders' equity $ 870,555,000 $ 861,412,000 $ 844,205,000 $ 830,381,000   $ 829,619,000