Consolidated Statements of Financial Condition - USD ($)	Dec. 31, 2022	Dec. 31, 2021
ASSETS:
Cash and due from banks	$ 3,955,000	$ 4,051,000
Interest earning deposits	4,049,000	16,946,000
Total cash and cash equivalents	8,004,000	20,997,000
Securities available-for-sale, at fair value	33,050,000	36,975,000
Investment securities held-to-maturity (fair value 2022-$1,301, 2021-$1,721)	1,587,000	1,778,000
Equity investment securities, at fair value	307,000	350,000
Federal Home Loan Bank stock, at cost	1,740,000	1,450,000
Loans	306,377,000	279,961,000
Less: Allowance for loan losses	(2,497,000)	(1,841,000)
Loans receivable, net	303,880,000	278,120,000
Premises and equipment, net	14,863,000	15,345,000
Bank-owned life insurance	7,351,000	7,890,000
Pension plan asset	10,697,000	11,107,000
Foreclosed real estate & repossessed assets	12,000	27,000
Goodwill	792,000	792,000
Intangible assets, net	718,000	783,000
Accrued interest receivable	1,304,000	1,249,000
Other assets	1,988,000	2,086,000
Total assets	386,293,000	378,949,000
Deposits:
Noninterest-bearing	54,609,000	57,540,000
Interest-bearing	263,069,000	254,509,000
Total deposits	317,678,000	312,049,000
Short-term borrowings	16,200,000
Long-term borrowings	10,334,000	17,760,000
Advances from borrowers for taxes and insurance	2,653,000	2,443,000
Other liabilities	2,100,000	3,218,000
Total liabilities	348,965,000	335,470,000
Shareholders' equity:
Preferred stock, par value $0.01; 1,000,000 shares authorized; none issued
Common stock, par value $0.01; 14,000,000 shares authorized in 2022 and 2021; 2,348,748 and 2,458,261 shares issued and outstanding at December 31, 2022 and 2021, respectively	24,000	26,000
Additional paid in capital	23,002,000	24,494,000
Retained earnings	22,512,000	21,669,000
Accumulated other comprehensive loss	(6,467,000)	(966,000)
Stock held in rabbi trust	(698,000)	(654,000)
Unearned ESOP shares, at cost	(1,045,000)	(1,090,000)
Total shareholders' equity	37,328,000	43,479,000
Total liabilities and shareholders' equity	$ 386,293,000	$ 378,949,000