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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Cash Flows from Operating Activities:      
Net Income $ 29,709 $ 30,075 $ 48,799
Provision for Credit Losses 5,180 3,381 4,798
Depreciation and Amortization 5,361 6,718 7,548
Loss on the Sale of Securities Available-for-Sale 3,038 9,097 0
Net Gain on Equity Securities (131) (9,005) (427)
Loans Originated and Held-for-Sale (8,986) 491 (799)
Proceeds from the Sale of Loans Held-for-Sale 8,602 32 1,380
Net Gains on the Sale of Loans (209) (32) (83)
Net Loss on the Sale or Write-down of Premises and Equipment,     Other Real Estate Owned and Repossessed Assets 404 187 167
Contributions to Pension & Postretirement Plans (1,131) (681) (741)
Deferred Income Tax (Benefit) Expense (789) 1,799 (1,252)
Shares Issued Under the Directors’ Stock Plan 495 218 408
Stock-Based Compensation Expense 314 605 451
Tax Benefit from Exercise of Stock Options 34 11 34
Effect of Swap Agreements 0 (2,365) 0
Net Increase in Other Assets (8,209) (29,220) (1,427)
Net Increase in Other Liabilities 787 9,269 857
Net Cash Provided By Operating Activities 34,469 20,580 59,713
Cash Flows from Investing Activities:      
Proceeds from the Sale of Equity Securities 0 9,254 0
Proceeds from the Sale of Securities Available-for-Sale 71,962 100,739 0
Proceeds from the Maturities and Calls of Securities Available-for-Sale 107,800 70,415 104,120
Purchases of Securities Available-for-Sale (141,856) (73,623) (184,785)
Purchases of Equity Securities (2,999) 0 0
Proceeds from the Maturities and Calls of Securities Held-to-Maturity 45,238 51,724 32,068
Purchases of Securities Held-to-Maturity (12,364) (8,209) (11,459)
Net Increase in Loans (187,510) (228,899) (319,547)
Proceeds from the Sales of Premises and Equipment, Other    Real Estate Owned and Repossessed Assets 3,326 2,707 1,475
Purchase of Premises and Equipment (5,597) (7,081) (14,250)
Net Decrease (Increase) in Federal Home Loan Bank Stock 696 1,015 (684)
Purchase of Bank Owned Life Insurance 0 (692) 0
Acquisition of Whitehall Branch 32,354 0 0
Net Cash Used In Investing Activities (88,950) (82,650) (393,062)
Cash Flows from Financing Activities:      
Net Increase (Decrease) in Deposits 102,684 189,202 (52,133)
Other Borrowings - Advances 102,100 256,500 27,000
Other Borrowings - Paydowns (120,000) (284,800) (17,200)
Net Cash Collateral Received from Derivative Counterparties 6,120 0 0
Finance Lease Payments (61) (53) (50)
Purchase of Treasury Stock (6,790) (3,608) (2,872)
Shares Issued for Stock Option Exercises, net 433 96 631
Shares Issued Under the Employee Stock Purchase Plan 291 120 477
Shares Issued for Dividend Reinvestment Plans 0 472 1,904
Cash Dividends Paid (18,286) (17,983) (17,444)
Net Cash Provided (Used) By Financing Activities 66,491 139,946 (59,687)
Net Increase (Decrease) in Cash and Cash Equivalents 12,010 77,876 (393,036)
Cash and Cash Equivalents at Beginning of Year 142,536 64,660 457,696
Cash and Cash Equivalents at End of Year 154,546 142,536 64,660
Supplemental Disclosures to Statements of Cash Flow Information:      
Interest on Deposits and Borrowings 84,489 51,828 5,752
Income Taxes 8,853 6,644 13,018
Transfer of Loans to Other Real Estate Owned and Repossessed Assets 2,447 2,488 1,656
Total fair value of assets acquired in acquisition of Whitehall Branch, net of cash 3,819 0 0
Total fair value of liabilities assumed in acquisition of Whitehall Branch, net of cash $ 37,683 $ 0 $ 0