Consolidated Statements of Financial Condition - USD ($)	Jun. 30, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 12,259,000	$ 12,658,000
Interest bearing deposits with banks	3,935,000	82,000
Cash and cash equivalents	16,194,000	12,740,000
Interest bearing time deposits with banks	1,470,000	2,210,000
Equity securities	990,000	1,144,000
Debt securities available for sale	285,878,000	210,686,000
Restricted investment in bank stock	3,487,000	3,442,000
Total loans	420,596,000	400,590,000
Less: Allowance for loan losses	(3,558,000)	(2,961,000)
Total loans, net of allowance for loan losses	417,038,000	397,629,000
Premises and equipment, net	9,039,000	9,243,000
Bank owned life insurance and annuities	16,411,000	16,266,000
Investment in low income housing partnerships	3,504,000	3,904,000
Core deposit and other intangible assets	280,000	318,000
Goodwill	9,047,000	9,047,000
Mortgage servicing rights	172,000	180,000
Accrued interest receivable and other assets	5,148,000	3,823,000
Total assets	768,658,000	670,632,000
Liabilities:
Deposits: Non-interest bearing	160,682,000	134,703,000
Deposits: Interest bearing	434,153,000	397,234,000
Total deposits	594,835,000	531,937,000
Total borrowings	24,107,000	13,129,000
Federal Reserve Bank ("FRB") Advances	31,298,000	0
Long-term debt	35,000,000	45,000,000
Other interest bearing liabilities	1,590,000	1,603,000
Accrued interest payable and other liabilities	4,926,000	5,256,000
Total liabilities	691,756,000	596,925,000
Commitments and contingent liabilities
Stockholders' Equity:
Preferred stock, no par value: Authorized - 500,000 shares, none issued
Common stock, par value $1.00 per share: Authorized 20,000,000 shares Issued - 5,151,279 shares at June 30, 2020; 5,141,749 shares at December 31, 2019 Outstanding - 5,086,718 shares at June 30, 2020; 5,099,729 shares at December 31, 2019	5,151,000	5,142,000
Surplus	24,946,000	24,898,000
Retained earnings	44,355,000	43,954,000
Accumulated other comprehensive income	3,556,000	516,000
Cost of common stock in Treasury: 64,561 shares at June 30, 2020; 42,020 shares at December 31, 2019	(1,106,000)	(803,000)
Total stockholders' equity	76,902,000	73,707,000
Total liabilities and stockholders' equity	$ 768,658,000	$ 670,632,000