Consolidated Balance Sheets - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 3,505,000	$ 3,526,000
Interest earning deposits with banks	5,575,000	33,913,000
Total cash and cash equivalents	9,080,000	37,439,000
Interest earning time deposits	2,484,000	5,718,000
Securities - available-for-sale	186,270,000	113,041,000
Securities - equity investments	5,000	15,000
Loans held for sale	469,000	75,000
Loans receivable, net of allowance for loan losses of $10,393 and $9,580	780,010,000	800,338,000
Federal bank stocks, at cost	5,715,000	5,635,000
Bank-owned life insurance	21,902,000	15,468,000
Accrued interest receivable	3,731,000	3,786,000
Premises and equipment, net	16,444,000	18,202,000
Goodwill	19,460,000	19,460,000
Core deposit intangible, net	899,000	1,083,000
Prepaid expenses and other assets	13,039,000	12,063,000
Total Assets	1,059,508,000	1,032,323,000
Liabilities
Non-interest bearing	221,993,000	193,752,000
Interest bearing	696,503,000	699,875,000
Total deposits	918,496,000	893,627,000
Short-term borrowed funds	7,050,000	2,050,000
Long-term borrowed funds	15,000,000	30,000,000
Accrued interest payable	338,000	474,000
Accrued expenses and other liabilities	21,665,000	14,692,000
Total Liabilities	962,549,000	940,843,000
Commitments and Contingent Liabilities (Note 11)	0	0
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; 2,837,229 and 2,823,229 shares issued; 2,735,212 and 2,721,212 shares outstanding	3,547,000	3,529,000
Additional paid-in capital	47,645,000	47,200,000
Treasury stock, at cost; 102,017 shares	(2,114,000)	(2,114,000)
Retained earnings	48,852,000	42,143,000
Accumulated other comprehensive loss	(5,177,000)	(3,484,000)
Total Stockholders' Equity	96,959,000	91,480,000
Total Liabilities and Stockholders' Equity	$ 1,059,508,000	$ 1,032,323,000