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Consolidated Statements Of Income - USD ($)
3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
INTEREST INCOME    
Loans receivable, including fees $ 25,988,000 $ 23,681,000
Securities 3,870,000 2,526,000
Interest bearing deposits with other banks 226,000 731,000
Total interest income 30,084,000 26,938,000
INTEREST EXPENSE    
Deposits 10,748,000 10,110,000
Short-term borrowings 458,000 336,000
Other borrowings 1,021,000 1,782,000
Total interest expense 12,227,000 12,228,000
NET INTEREST INCOME 17,857,000 14,710,000
PROVISION FOR (RELEASE OF) CREDIT LOSSES    
Provision for (release of) credit losses 923,000 (625,000)
Provision for (release of) off balance sheet (66,000) 1,000
Total provision for (release of) credit losses 857,000 (624,000)
NET INTEREST INCOME AFTER PROVISION FOR (RELEASE OF) CREDIT LOSSES 17,000,000 15,334,000
OTHER INCOME    
Other income 1,979,000 1,711,000
Gains on sales of loans, net 47,000 6,000
Earnings and proceeds on bank owned life insurance 286,000 268,000
Other 180,000 151,000
Total other income 2,351,000 2,006,000
OTHER EXPENSES    
Salaries and employee benefits 6,472,000 6,135,000
Occupancy, furniture & equipment, net 1,378,000 1,261,000
Data processing and related operations 1,085,000 1,022,000
Taxes, other than income 192,000 93,000
Professional fees 659,000 585,000
Federal Deposit Insurance Corporation insurance 406,000 361,000
Foreclosed real estate 4,000 21,000
Amortization of intangibles 15,000 19,000
Other 1,853,000 2,235,000
Total other expenses 12,064,000 11,732,000
INCOME BEFORE INCOME TAXES 7,287,000 5,608,000
INCOME TAX EXPENSE 1,514,000 1,175,000
NET INCOME $ 5,773,000 $ 4,433,000
BASIC EARNINGS PER SHARE $ 0.63 $ 0.55
DILUTED EARNINGS PER SHARE $ 0.63 $ 0.55
Service Charges And Fees [Member]    
OTHER INCOME    
Other income $ 1,513,000 $ 1,343,000
Income From Fiduciary Activities [Member]    
OTHER INCOME    
Other income $ 325,000 $ 238,000