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CONSOLIDATED BALANCE SHEET - USD ($)
Dec. 31, 2019
Dec. 31, 2018
ASSETS:    
Noninterest-bearing balances $ 24,725,000 $ 24,325,000
Interest-bearing deposits in other financial institutions 23,864,000 42,417,000
Total cash and cash equivalents 48,589,000 66,742,000
Investment debt securities, available for sale, at fair value 148,619,000 134,285,000
Investment equity securities, at fair value 1,261,000 1,776,000
Investment securities, trading 51,000 36,000
Restricted investment in bank stock, at fair value 13,528,000 18,862,000
Loans held for sale 4,232,000 2,929,000
Loans 1,355,544,000 1,384,757,000
Allowance for loan losses (11,894,000) (13,837,000)
Loans, net 1,343,650,000 1,370,920,000
Premises and equipment, net 32,929,000  
Premises and equipment, net   27,580,000
Accrued interest receivable 5,246,000 5,334,000
Bank-owned life insurance 29,253,000 28,627,000
Goodwill 17,104,000 17,104,000
Intangibles 898,000 1,162,000
Operating lease right of use asset 4,154,000 0
Deferred tax asset 3,338,000 5,154,000
Other assets 12,471,000 4,260,000
TOTAL ASSETS 1,665,323,000 1,684,771,000
LIABILITIES:    
Interest-bearing deposits 989,259,000 899,089,000
Noninterest-bearing deposits 334,746,000 320,814,000
Total deposits 1,324,005,000 1,219,903,000
Short-term borrowings 4,920,000 167,865,000
Long-term borrowings 161,920,000 138,942,000
Accrued interest payable 1,671,000 1,150,000
Operating lease liability 4,170,000 0
Other liabilities 13,655,000 13,367,000
TOTAL LIABILITIES 1,510,341,000 1,541,227,000
SHAREHOLDERS’ EQUITY:    
Preferred stock, no par value, 3,000,000 shares authorized; no shares issued 0 0
Common stock, par value $5.55, 22,500,000 shares authorized; 7,520,740 and 7,517,546 shares issued; 7,040,515 and 7,037,322 shares outstanding 41,782,000 41,763,000
Additional paid-in capital 51,487,000 50,737,000
Retained earnings 76,583,000 69,787,000
Accumulated other comprehensive loss:    
Net unrealized gain (loss) on available for sale securities 2,455,000 (1,360,000)
Defined benefit plan (5,232,000) (5,276,000)
Treasury stock at cost, 480,225 shares (12,115,000) (12,115,000)
TOTAL PENNS WOODS BANCORP, INC. SHAREHOLDERS’ EQUITY 154,960,000 143,536,000
Non controlling interest 22,000 8,000
TOTAL SHAREHOLDERS' EQUITY 154,982,000 143,544,000
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY $ 1,665,323,000 $ 1,684,771,000