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Consolidated Balance Sheets - USD ($)
Dec. 31, 2023
Dec. 31, 2022
ASSETS    
Cash and due from banks $ 28,533,000 $ 28,847,000
Interest-bearing deposits with banks 37,587,000 3,019,000
Cash and cash equivalents 66,120,000 31,866,000
Securities available for sale 406,259,000 418,927,000
Loans receivable (net of allowance for credit losses 2023: $18,968; 2022: $16,999) 1,584,650,000 1,456,946,000
Regulatory stock, at cost 7,318,000 5,418,000
Premises and equipment, net 17,838,000 17,924,000
Bank owned life insurance 46,439,000 43,364,000
Accrued interest receivable 8,123,000 6,917,000
Foreclosed real estate owned 97,000 346,000
Deferred tax assets, net 21,353,000 23,549,000
Goodwill 29,266,000 29,266,000
Other intangibles 221,000 306,000
Other assets 13,395,000 12,241,000
Total Assets 2,201,079,000 2,047,070,000
Deposits:    
Non-interest bearing demand 399,545,000 434,529,000
Interest-bearing demand 253,133,000 237,891,000
Money market deposit accounts 206,928,000 273,165,000
Savings 226,444,000 278,372,000
Time 709,109,000 503,770,000
Total deposits 1,795,159,000 1,727,727,000
Short-term borrowings 74,076,000 93,215,000
Other borrowings 124,236,000 40,000,000
Accrued interest payable 10,510,000 2,653,000
Other liabilities 16,028,000 16,390,000
Total Liabilities 2,020,009,000 1,879,985,000
STOCKHOLDERS' EQUITY    
Preferred stock, no par value per share, authorized: 5,000,000 shares; issued: none
Common stock, $0.10 par value per share, authorized: 20,000,000 shares, issued: issued: 2023: 8,310,847 shares; 2022: 8,291,401 shares 831,000 829,000
Surplus 97,700,000 96,897,000
Retained earnings 135,284,000 130,020,000
Treasury stock at cost: 2023: 200,690 shares; 2022: 124,650 shares (5,397,000) (3,308,000)
Accumulated other comprehensive loss (47,348,000) (57,353,000)
Total Stockholders' Equity 181,070,000 167,085,000
Total Liabilities and Stockholders' Equity $ 2,201,079,000 $ 2,047,070,000