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INCOME TAXES (Details 3) - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Assets:    
Allowance for credit losses $ 2,813 $ 2,646
Unfunded Commitments 103 129
Excess tax basis of deductible intangible assets 26 38
Net operating loss carry forward 997 933
Unrealized losses on available-for-sale securities 4,191 4,406
Unrealized losses on held-to-maturity securities 2,577 2,939
Compensation expense deferred for tax purposes 1,528 1,448
Deferred loss on other-than-temporary-impairment charges 5 5
FASB 91 - Origination Income & Costs 439 473
Other Real Estate Owned 228 229
Other 118 145
Total deferred tax asset 13,025 13,391
Valuation reserve (1,073) (1,009)
Total deferred tax asset net of valuation reserve 11,952 12,382
Liabilities:    
Tax depreciation in excess of book depreciation 668 445
Excess financial reporting basis of assets acquired 863 919
Total deferred tax liabilities 1,531 1,364
Net deferred tax asset recognized $ 10,421 $ 11,018