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Consolidated Balance Sheets - USD ($)
$ in Thousands
Dec. 31, 2024
Dec. 31, 2023
Consolidated Balance Sheets    
Cash and due from banks $ 30,919 $ 32,819
Interest-bearing deposits 28,347 49,556
Cash and cash equivalents 59,266 82,375
Investment securities available for sale 388,003 391,924
Other investments 2,728 2,874
Total securities 390,731 394,798
Mortgage loans held for sale 1,367 686
Loans 1,138,404 1,093,066
Less allowance for credit losses (9,995) (11,041)
Net loans 1,128,409 1,082,025
Premises and equipment, net 14,847 16,702
Cash surrender value of life insurance 17,675 18,134
Other real estate 369 0
Right of use lease asset 4,013 4,731
Accrued interest receivable and other assets 35,285 36,459
Total assets 1,651,962 1,635,910
Deposits:    
Noninterest-bearing demand 402,254 432,687
Interest-bearing demand, MMDA & savings 741,363 620,244
Time, over $250,000 145,939 148,904
Other time 195,175 190,210
Total deposits 1,484,731 1,392,045
Securities sold under agreements to repurchase 0 86,715
Junior subordinated debentures 15,464 15,464
Lease liability 4,136 4,832
Accrued interest payable and other liabilities 17,068 15,838
Total liabilities 1,521,399 1,514,894
Shareholders' equity:    
Preferred stock, no par value; authorized 5,000,000 shares; no shares issued and outstanding 0 0
Common stock, no par value; authorized 20,000,000 shares; issued and outstanding 5,457,646 shares at December 31, 2024 and 5,534,499 shares at December 31, 2023 48,658 50,625
Common stock held by deferred compensation trust, at cost; 158,580 shares at December 31, 2024 and 163,702 shares at December 31, 2023 (1,757) (1,910)
Deferred compensation 1,757 1,910
Retained earnings 121,062 109,756
Accumulated other comprehensive loss (39,157) (39,365)
Total shareholders' equity 130,563 121,016
Total liabilities and shareholders' equity $ 1,651,962 $ 1,635,910