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INCOME TAXES - Deferred tax assets and liabilities (Details) - USD ($)
Dec. 31, 2024
Dec. 31, 2023
DEFERRED TAX ASSETS:    
Allowance for credit losses - loans $ 2,922,000 $ 3,161,000
Allowance for credit losses - securities 94,000 202,000
Allowance for credit losses - unfunded commitments 203,000 197,000
Unrealized investment security losses 3,544,000 3,650,000
Premises and equipment 912,000 678,000
Lease liabilities 895,000 705,000
Net operating loss 469,000  
Interest rate hedges 36,000 94,000
Other 173,000 169,000
Total tax assets 9,248,000 8,856,000
DEFERRED TAX LIABILITIES:    
Investment accretion (129,000) (95,000)
Lease right-of-use assets (815,000) (636,000)
Accrued pension obligation (6,602,000) (5,193,000)
Other (290,000) (253,000)
Total tax liabilities (7,836,000) (6,177,000)
Net deferred tax asset 1,412,000 2,679,000
Valuation Allowance 0 $ 0
Unrecognized tax benefits $ 0