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CONSOLIDATED STATEMENTS OF CONDITION - USD ($)
Dec. 31, 2019
Dec. 31, 2018
ASSETS    
Cash and due from banks $ 16,878,000 $ 20,105,000
Interest bearing deposits with banks 97,478,000 20,800,000
Total Cash and Cash Equivalents 114,356,000 40,905,000
Equity securities with readily determinable fair values 2,106,000 1,839,000
Debt securities available for sale 190,837,000 161,730,000
Securities held to maturity, fair value $19,281; $26,911 19,234,000 27,266,000
Loans held for sale 2,406,000 408,000
Loans, net of allowance for loan losses $13,835; $13,964 1,258,766,000 1,288,501,000
Premises and equipment 25,724,000 26,409,000
Right of use assets 3,502,000 0
Restricted investment in bank stocks 3,644,000 4,336,000
Investment in bank-owned life insurance 50,663,000 48,003,000
Investments in low-income housing partnerships 1,506,000 1,871,000
Goodwill 19,580,000 19,580,000
Intangible assets 4,427,000 4,407,000
Foreclosed assets held for resale 364,000 155,000
Other assets 23,138,000 22,314,000
Total Assets 1,720,253,000 1,647,724,000
LIABILITIES    
Deposits: Non-interest bearing 314,377,000 302,394,000
Deposits: Interest bearing 1,097,883,000 1,045,698,000
Total Deposits 1,412,260,000 1,348,092,000
Short-term borrowings 33,435,000 34,648,000
Long-term borrowings 66,296,000 83,516,000
Lease liabilities 3,502,000 0
Other liabilities 15,244,000 13,331,000
Total Liabilities 1,530,737,000 1,479,587,000
STOCKHOLDERS' EQUITY    
Preferred stock, $2.50 par value; 20,000,000 shares authorized; no shares outstanding 0 0
Common stock, $2.50 par value; 20,000,000 shares authorized; 7,141,959 and 7,108,620 shares issued; 7,079,359 and 7,046,020 shares outstanding 17,855,000 17,772,000
Treasury stock, at cost (62,600 shares) (728,000) (728,000)
Additional paid-in capital 39,579,000 38,448,000
Retained earnings 138,663,000 121,862,000
Accumulated other comprehensive loss (5,853,000) (9,217,000)
Total Stockholders’ Equity 189,516,000 168,137,000
Total Liabilities and Stockholders’ Equity $ 1,720,253,000 $ 1,647,724,000