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INCOME TAXES - DEFERRED TAXES AND OPERATING LOSS CARRYFORWARD (Details) - USD ($)
Dec. 31, 2024
Dec. 31, 2023
Deferred tax assets:    
Allowance for credit losses $ 22,944,000 $ 20,654,000
Operating lease liabilities 9,261,000 8,940,000
Accrued expenses 7,306,000 6,285,000
Net operating loss carryforward 1,012,000 1,191,000
Acquisition fair value adjustments 54,000 55,000
Other-than-temporary impairment 689,000 582,000
Fair value of cash flow hedges 162,000  
R&D Capitalization 5,923,000 4,492,000
Unrealized investment security losses 4,584,000 6,803,000
Other 2,303,000 2,337,000
Total deferred tax assets 54,238,000 51,339,000
Deferred tax liabilities:    
Right of use assets - operating leases (9,027,000) (8,726,000)
Depreciation and amortization (2,996,000) (2,805,000)
Federal Home Loan Bank dividends (751,000) (757,000)
Deferred loan costs (2,556,000) (2,732,000)
Lease Financing Receivables (2,802,000) (3,058,000)
Mortgage servicing rights (1,740,000) (1,864,000)
Total deferred tax liabilities (19,872,000) (19,942,000)
Net deferred tax asset 34,366,000 $ 31,397,000
Domestic Tax Jurisdiction [Member]    
Net operating loss carry forward    
Net operating loss carry forward, amount 4,400,000  
Annual limit of use of operating loss carryforward 722,000  
State and Local Jurisdiction [Member]    
Net operating loss carry forward    
Net operating loss carry forward, amount 2,000,000  
Annual limit of use of operating loss carryforward 634,000  
AMT credit carryforwards $ 15,000