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Consolidated Balance Sheets - USD ($)
Dec. 31, 2024
Dec. 31, 2023
ASSETS    
Cash and due from banks $ 27,562,000 $ 28,533,000
Interest-bearing deposits with banks 44,777,000 37,587,000
Cash and cash equivalents 72,339,000 66,120,000
Securities available for sale 397,846,000 406,259,000
Loans receivable (net of allowance for credit losses 2024: $19,843; 2023: $18,968) 1,693,795,000 1,584,650,000
Regulatory stock, at cost 13,366,000 7,318,000
Premises and equipment, net 19,657,000 17,838,000
Bank owned life insurance 46,657,000 46,439,000
Accrued interest receivable 8,466,000 8,123,000
Foreclosed real estate owned 0 97,000
Deferred tax assets, net 17,696,000 21,353,000
Goodwill 29,266,000 29,266,000
Other intangibles 152,000 221,000
Other assets 18,222,000 13,395,000
Total Assets 2,317,462,000 2,201,079,000
Deposits:    
Noninterest-bearing demand 381,479,000 399,545,000
Interest-bearing demand 316,283,000 253,133,000
Money market deposit accounts 183,570,000 206,928,000
Savings 210,312,000 226,444,000
Time 767,519,000 709,109,000
Total Deposits 1,859,163,000 1,795,159,000
Short-term borrowings 113,069,000 74,076,000
Other borrowings 101,793,000 124,236,000
Accrued interest payable 12,615,000 10,510,000
Other liabilities 17,314,000 16,028,000
Total Liabilities 2,103,954,000 2,020,009,000
STOCKHOLDERS' EQUITY    
Preferred stock, no par value per, authorized: 5,000,000 shares; issued: none
Common stock, $0.10 par value, authorized: 20,000,000 shares, issued: 2024: 9,487,068 shares; 2023: 8,310,847 shares 949,000 831,000
Surplus 98,513,000 97,700,000
Retained earnings 152,964,000 135,284,000
Treasury stock at cost: 2024: 214,161 shares; 2023: 200,690 shares (5,797,000) (5,397,000)
Accumulated other comprehensive loss (33,121,000) (47,348,000)
Total Stockholders' Equity 213,508,000 181,070,000
Total Liabilities and Stockholders' Equity $ 2,317,462,000 $ 2,201,079,000