Consolidated Balance Sheets - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 3,526,000	$ 3,750,000
Interest earning deposits with banks	33,913,000	11,236,000
Total cash and cash equivalents	37,439,000	14,986,000
Interest earning time deposits	5,718,000	9,698,000
Securities - available-for-sale	113,041,000	120,107,000
Securities - equity investments	15,000	19,000
Loans held for sale	75,000
Loans receivable, net of allowance for loan losses of $9,580 and $6,556	800,338,000	695,348,000
Federal bank stocks, at cost	5,635,000	5,790,000
Bank-owned life insurance	15,468,000	15,287,000
Accrued interest receivable	3,786,000	2,600,000
Premises and equipment, net	18,202,000	19,041,000
Goodwill	19,460,000	19,460,000
Core deposit intangible, net	1,083,000	1,247,000
Prepaid expenses and other assets	12,063,000	11,713,000
Total Assets	1,032,323,000	915,296,000
Liabilities and Stockholders' Equity
Non-interest bearing	193,752,000	148,842,000
Interest bearing	699,875,000	638,282,000
Total deposits	893,627,000	787,124,000
Short-term borrowed funds	2,050,000	2,050,000
Long-term borrowed funds	30,000,000	26,500,000
Accrued interest payable	474,000	616,000
Accrued expenses and other liabilities	14,692,000	13,148,000
Total Liabilities	940,843,000	829,438,000
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; 2,823,229 and 2,810,729 shares issued; 2,721,212 and 2,708,712 shares outstanding	3,529,000	3,513,000
Additional paid-in capital	47,200,000	46,757,000
Treasury stock, at cost; 102,017 shares	(2,114,000)	(2,114,000)
Retained earnings	42,143,000	38,831,000
Accumulated other comprehensive loss	(3,484,000)	(5,335,000)
Total Stockholders' Equity	91,480,000	85,858,000
Total Liabilities and Stockholders' Equity	$ 1,032,323,000	$ 915,296,000