Consolidated Balance Sheets - USD ($)	Dec. 31, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 3,750,000	$ 3,623,000
Interest earning deposits with banks	11,236,000	7,332,000
Total cash and cash equivalents	14,986,000	10,955,000
Interest earning time deposits	9,698,000	6,738,000
Securities - available-for-sale	120,107,000	97,718,000
Securities - equity investments	19,000	7,000
Loans receivable, net of allowance for loan losses of $6,556 and $6,508	695,348,000	708,664,000
Federal bank stocks, at cost	5,790,000	6,351,000
Bank-owned life insurance	15,287,000	14,881,000
Accrued interest receivable	2,600,000	2,570,000
Premises and equipment, net	19,041,000	18,911,000
Goodwill	19,460,000	19,448,000
Core deposit intangible, net	1,247,000	1,423,000
Prepaid expenses and other assets	11,713,000	11,209,000
Total Assets	915,296,000	898,875,000
Liabilities and Stockholders' Equity
Non-interest bearing	148,842,000	148,893,000
Interest bearing	638,282,000	612,653,000
Total deposits	787,124,000	761,546,000
Short-term borrowed funds	2,050,000	12,850,000
Long-term borrowed funds	26,500,000	32,500,000
Accrued interest payable	616,000	495,000
Accrued expenses and other liabilities	13,148,000	11,476,000
Total Liabilities	829,438,000	818,867,000
Commitments and Contingent Liabilities (Note 11)
Stockholders' Equity
Preferred stock, $1.00 par value, 3,000,000 shares authorized; Series C, non-cumulative preferred stock, $2.9 million liquidation value, 286,888 shares issued and outstanding; Series D, non-cumulative preferred stock, $1.3 million liquidation value, 133,705 shares issued and outstanding	4,206,000	4,206,000
Common stock, $1.25 par value, 12,000,000 shares authorized; 2,810,729 and 2,800,729 shares issued; 2,708,712 and 2,698,712 shares outstanding	3,513,000	3,501,000
Additional paid-in capital	46,757,000	46,401,000
Treasury stock, at cost; 102,017 shares	(2,114,000)	(2,114,000)
Retained earnings	38,831,000	34,371,000
Accumulated other comprehensive loss	(5,335,000)	(6,357,000)
Total Stockholders' Equity	85,858,000	80,008,000
Total Liabilities and Stockholders' Equity	$ 915,296,000	$ 898,875,000