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Parke Bancorp, Inc
(NASDAQ:PKBK) 

PKBK stock logo

Parke Bancorp, Inc. operates as the bank holding company for Parke Bank that provides personal and business financial services to individuals and small to mid-sized businesses. The company offers various deposit products, including checking, savings, money market, and individual retirement accounts,...

Founded: 1999
Full Time Employees: 84
Sector: Financial Services
Industry: Banks-Regional
Regional Bank
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Quarterly
Annual
    Unit: USD2026-03-31 2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-09-30 2019-06-30 2019-03-31 2014-03-31 2013-09-30 2013-06-30 2013-03-31 2012-12-31 2012-09-30 2012-06-30 2011-09-30 2011-06-30 2011-03-31 2009-03-31 
                                   
      interest income:
    		                               
      interest and fees on loans
    		35,891,000 36,047,000 34,910,000 32,756,000 31,476,000 30,858,000 30,161,000 28,732,000 28,083,000 28,459,000 27,294,000 21,053,000 20,238,000 21,348,000 20,521,000 20,139,000 20,328,000 19,113,000 18,523,000 17,441,000 9,290,000 8,821,000 8,765,000 9,047,000 36,446,363 8,766 9,358,000 9,912 10,074 9,816,000 9,254,000 
      interest and dividends on investments
    		222,000 183,000 218,000 232,000 288,000 281,000 265,000 248,000 249,000 303,000 308,000 182,000 200,000 211,000 260,000 259,000 278,000 284,000 290,000 315,000 293,000 168,000 179,000 205,000 1,025,200 259 252,000 329 330 374,000  
      interest on deposits with banks
    		827,000 1,068,000 1,381,000 2,036,000 2,082,000 2,187,000 1,696,000 1,209,000 1,145,000 1,536,000 1,512,000 131,000                    
      total interest income
    		36,940,000 37,298,000 36,509,000 35,024,000 33,846,000 33,326,000 32,122,000 30,189,000 29,477,000 30,298,000 29,114,000 21,366,000 20,561,000 21,665,000 20,873,000 20,443,000 21,557,000 20,418,000 19,824,000 18,357,000 9,606,000 9,008,000 8,977,000 9,292,000 37,717,385 9,084 9,676,000 10,272 10,404 10,190,000  
      interest expense:
    		                               
      interest on deposits
    		13,428,000 14,150,000 15,385,000 15,144,000 15,169,000 15,189,000 14,983,000 13,684,000 13,457,000 13,213,000 11,385,000 2,472,000 2,827,000 3,336,000 4,165,000 4,759,000 5,451,000 4,915,000 4,520,000 3,963,000 1,177,000 1,184,000 1,289,000 1,374,000 6,477,989 1,552 1,687,000 1,960 1,950 2,056,000 4,019,000 
      interest on borrowings
    		1,380,000 1,332,000 960,000 2,009,000 2,070,000 2,518,000 2,416,000 2,193,000 1,966,000 1,570,000 2,046,000 811,000 928,000 1,214,000 1,268,000 793,000 907,000 1,012,000 1,013,000 962,000 221,000 156,000 204,000 223,000 940,291 234 233,000 352 362 351,000 580,000 
      total interest expense
    		14,808,000 15,482,000 16,345,000 17,153,000 17,239,000 17,707,000 17,399,000 15,877,000 15,423,000 14,783,000 13,431,000 3,283,000 3,755,000 4,550,000 5,433,000 5,552,000 6,358,000 5,927,000 5,533,000 4,925,000 1,398,000 1,340,000 1,493,000 1,597,000 7,418,280 1,786 1,920,000 2,312 2,312 2,407,000 4,599,000 
      net interest income
    		22,132,000 21,816,000 20,164,000 17,871,000 16,607,000 15,619,000 14,723,000 14,312,000 14,054,000 15,515,000 15,683,000 18,083,000 16,806,000 17,115,000 15,440,000 14,891,000 15,199,000 14,491,000 14,291,000 13,432,000 8,208,000 7,668,000 7,484,000 7,695,000 30,299,105 7,298 7,756,000 7,960 8,092 7,783,000 5,174,000 
      provision for credit losses
    		202,000   984,000 590,000                           
      net interest income after provision for credit losses
    		21,930,000   16,887,000 16,017,000                           
      non-interest income
    		                               
      service fees on deposit accounts
    		289,000 307,000 305,000 312,000 308,000 328,000 321,000 359,000 379,000 723,000 1,003,000 1,212,000 1,612,000 919,000 520,000 514,000 568,000 529,000 487,000 381,000 57,000 73,000 65,000 51,000 219,834 62 54,000 58 53 55,000  
      other loan fees
    		161,000 166,000 188,000 145,000 178,000 230,000 217,000 163,000 238,000 240,000 192,000 331,000 265,000 248,000 206,000 165,000 241,000               
      bank owned life insurance income
    		220,000 233,000 173,000 169,000 165,000 167,000 166,000 162,000 160,000 294,000 153,000 143,000 140,000 149,000 150,000 147,000 146,000 153,000 150,000 147,000           44,000 
      other
    		183,000 213,000 184,000 190,000 170,000 412,000 200,000 492,000 285,000 222,000 449,000 257,000 196,000 235,000 60,000 121,000 165,000 73,000 187,000 160,000 497,000 387,000 113,000 207,000 968,288 184 108,000 56 87 126,000  
      total non-interest income
    		853,000 919,000 850,000 816,000 821,000 1,137,000 901,000 1,201,000 1,062,000 1,479,000 1,835,000 2,094,000 2,237,000 1,528,000 741,000 926,000 988,000               
      non-interest expense
    		                               
      compensation and benefits
    		3,704,000 3,441,000 3,318,000 3,264,000 3,291,000 3,302,000 3,178,000 3,070,000 3,218,000 2,926,000 2,834,000 2,455,000 2,625,000 2,937,000 2,440,000 2,689,000 2,545,000 2,235,000 2,319,000 2,141,000 1,843,000 1,653,000 1,724,000 1,658,000 5,861,733 1,415 1,410,000 1,406 1,408 1,414,000 1,010,000 
      professional services
    		598,000 1,173,000 890,000 652,000 714,000 1,089,000 645,000 551,000 445,000 582,000 659,000 889,000 853,000 836,000 400,000 396,000 355,000 583,000 521,000 391,000 410,000 456,000 439,000 316,000 1,744,935 288 500,000 321 389 255,000 243,000 
      occupancy and equipment
    		761,000 708,000 688,000 676,000 687,000 655,000 630,000 672,000 641,000 666,000 649,000 606,000 544,000 502,000 531,000 518,000 480,000 413,000 473,000 471,000 296,000 287,000 239,000 244,000 1,042,224 244 267,000 248 242 260,000 248,000 
      data processing
    		317,000 270,000 429,000 425,000 421,000 388,000 348,000 264,000 366,000 348,000 368,000 337,000 345,000 321,000 344,000 308,000 317,000 262,000 250,000 218,000 117,000 120,000 132,000 111,000 409,693 103 109,000 92 114 110,000 82,000 
      fdic insurance and other assessments
    		373,000 359,000 356,000 384,000 350,000 333,000 319,000 322,000 331,000 332,000 388,000 311,000 261,000 224,000 287,000 153,000 141,000 9,000 34,000 27,000            
      oreo expense
    		80,000 330,000 92,000 100,000 127,000 59,000 187,000 236,000 353,000 229,000 240,000 113,000 15,000 13,000 80,000 67,000 111,000 110,000 117,000 75,000 760,000 2,019,000 403,000 385,000 1,527,975 339 318,000     
      other operating expense
    		1,381,000 1,310,000 1,391,000 1,179,000 948,000 1,023,000 1,058,000 1,120,000 1,181,000 1,203,000 10,711,000 1,009,000 1,127,000 900,000 750,000 731,000 920,000 853,000 803,000 837,000 876,000 615,000 994,000 766,000 3,388,296 803 1,110,000 793 766 816,000  
      total non-interest expense
    		7,214,000 7,591,000 7,164,000 6,680,000 6,538,000 6,849,000 6,365,000 6,235,000 6,535,000 6,286,000 15,849,000 5,720,000 5,770,000 5,733,000 4,832,000 4,862,000 4,869,000               
      income before income tax expense
    		15,569,000 14,598,000 13,486,000 11,023,000 10,300,000 9,725,000 9,400,000 8,795,000 8,377,000 11,159,000 1,369,000 14,457,000 12,773,000 11,060,000 8,949,000 8,955,000 9,922,000 10,416,000 10,090,000 9,491,000 3,625,000 3,520,000 3,568,000 3,614,000 12,302,306 3,280 2,247,000 2,883 3,877 4,699,000 2,523,000 
      income tax expense
    		3,725,000 3,514,000 2,856,000 2,740,000 2,522,000 2,327,000 1,892,000 2,340,000 2,226,000 2,986,000 340,000 3,633,000 3,247,000 2,840,000 2,306,000 2,311,000 2,554,000 2,551,000 2,481,000 2,316,000 1,162,000 1,377,000 1,397,000 1,413,000 4,239,105 1,365 257,000 1,161 1,564 1,880,000 994,000 
      net income attributable to company
    		11,844,000 11,084,000 10,630,000 8,283,000 7,778,000 7,398,000 7,508,000 6,455,000 6,151,000 8,173,000 1,029,000 10,757,000 9,429,000 8,132,000 6,543,000 6,541,000 7,212,000 7,764,000 7,468,000 7,061,000 2,326,000 2,033,000 1,988,000 2,137,000 7,307,643 1,721 1,849,000 1,570 2,144 2,292,000  
      less: preferred stock dividend
    		-5,000 -5,000 -5,000 -5,000 -5,000 -4,000 -5,000 -5,000 -6,000 -6,000 -7,000 -7,000 -7,000 -7,000 -7,000 -7,000 -8,000               
      net income available to common shareholders
    		11,839,000 11,079,000 10,625,000 8,278,000 7,773,000 7,394,000 7,503,000 6,450,000 6,145,000 8,167,000 1,022,000 10,750,000 9,422,000 8,125,000 6,536,000 6,534,000 7,204,000 7,756,000 7,460,000 7,060,000 2,026,000 1,770,000 1,732,000 1,883,000 6,296,401 1,468 1,596,000 1,319 1,894 2,043,000 1,363,000 
      earnings per common share
    		                               
      basic
    		1,010 940 900 700 660 620 630 540 510 680 90 900 790 690 550 550 610 720 690 660 340 300 290 350 1,169.14 0.25 300 0.27 0.39 420 340 
      diluted
    		990 930 890 690 650 610 620 530 510 680 80 890 780 680 550 550 600 710 680 650 290 300 290 350 1,169.15 0.25 300 0.27 0.38 410 340 
      weighted-average common shares outstanding
    		                               
      basic
    		11,706,574,000 11,794,531,000 11,773,473,000 11,843,328,000 11,836,384,000 11,954,483,000 11,959,546,000 11,962,197,000 11,958,776,000 11,945,740,000 11,945,844,000 11,891,558,000 11,872,246,000 11,850,223,000 11,850,882,000 11,849,118,000 11,848,964,000 10,770,009,000 10,761,253,000 10,744,896,000 5,988,742,000 5,982,810,000 5,962,623,000 5,385,684,000 5,379,558,000 5,872,276 5,375,792,000 4,886,178 4,866,178 4,886,456,000 4,025,906,000 
      diluted
    		11,903,776,000 11,966,541,000 11,958,108,000 12,008,224,000 12,006,965,000 12,139,451,000 12,153,393,000 12,119,359,000 12,138,613,000 12,137,052,000 12,131,825,000 12,111,693,000 12,108,846,000 11,989,608,000 11,975,094,000 11,977,597,000 12,008,200,000 10,921,518,000 10,918,872,000 10,912,164,000 7,916,564,000 5,989,183,000 5,963,644,000 5,432,109,000 5,382,596,000 5,872,643 5,381,121,000 4,937,242 4,987,195 5,002,678,000 4,035,754,000 
      provision for (recovery of) credit losses
    		 484,500 364,000   182,000 -141,000 483,000 204,000 -400,000 300,000                     
      net interest income after provision for (recovery of) credit losses
    		 13,176,000 19,800,000   15,437,000 14,864,000 13,829,000 13,850,000 12,574,750 15,383,000                     
      gain on sale of sba loans
    		      -3,000 25,000    79,000 45,000     76,000  40,000 321,000 757,000 969,000 499,000 3,579,943 700 755,000 751 899 2,244,000  
      net gain on sale and valuation adjustment of oreo
    		         9,500 38,000 72,000                    
      provision for loan losses
    		            500,000 1,850,000 2,400,000 2,000,000 1,396,000 900,000 450,000 700,000 1,000,000 200,000 -1,000,000 1,000,000 7,294,200 1,500 2,050,000 2,350 2,100 2,400,000 770,000 
      net interest income after provision for loan losses
    		           18,083,000 16,306,000 15,265,000 13,040,000 12,891,000 13,803,000 13,591,000 13,841,000 12,732,000 7,208,000 7,468,000 6,484,000 6,695,000 23,004,905 5,798 5,706,000 5,610 5,992 5,383,000 4,404,000 
      net income attributable to company and noncontrolling interest
    		           10,824,000 9,526,000 8,220,000 6,643,000 6,644,000 7,368,000 7,865,000 7,609,000 7,175,000 2,463,000 2,143,000 2,171,000 2,201,000 8,063,201 1,915      
      less: net income attributable to noncontrolling interest
    		           -67,000 -97,000 -88,000 -100,000 -103,000 -156,000 101,000 -141,000             
      interest on federal funds sold and deposits with banks
    		            123,000 106,000 92,000 45,000 951,000 1,021,000              
      net loss on sale and valuation adjustment of oreo
    		            -21,000 -87,000 -195,000                 
      net loss on sale of oreo
    		               -21,000 -132,000               
      noninterest income:
    		                               
      loan fees
    		                 263,000 285,000 191,000 215,000 200,000 161,000 162,000 393,749 91 105,000 20 101 64,000 84,000 
      gain on sale and valuation adjustments of oreo
    		                 196,000              
      total noninterest income
    		                 1,290,000 766,000 919,000 960,000 1,459,000 1,311,000 647,000 4,365,433 952 531,000 325 1,147 2,513,000 171,000 
      noninterest expense:
    		                               
      total noninterest expense
    		                 4,465,000 4,517,000 4,160,000 4,543,000 5,407,000 4,227,000 3,728,000 15,068,032 3,470 3,990,000 3,052 3,262 3,197,000 2,052,000 
      less: preferred stock dividend and discount accretion
    		                 8,000              
      earnings per common share:
    		                               
      basic
    		1,010 940 900 700 660 620 630 540 510 680 90 900 790 690 550 550 610 720 690 660 340 300 290 350 1,169.14 0.25 300 0.27 0.39 420 340 
      diluted
    		990 930 890 690 650 610 620 530 510 680 80 890 780 680 550 550 600 710 680 650 290 300 290 350 1,169.15 0.25 300 0.27 0.38 410 340 
      weighted-average shares outstanding:
    		                               
      basic
    		11,706,574,000 11,794,531,000 11,773,473,000 11,843,328,000 11,836,384,000 11,954,483,000 11,959,546,000 11,962,197,000 11,958,776,000 11,945,740,000 11,945,844,000 11,891,558,000 11,872,246,000 11,850,223,000 11,850,882,000 11,849,118,000 11,848,964,000 10,770,009,000 10,761,253,000 10,744,896,000 5,988,742,000 5,982,810,000 5,962,623,000 5,385,684,000 5,379,558,000 5,872,276 5,375,792,000 4,886,178 4,866,178 4,886,456,000 4,025,906,000 
      diluted
    		11,903,776,000 11,966,541,000 11,958,108,000 12,008,224,000 12,006,965,000 12,139,451,000 12,153,393,000 12,119,359,000 12,138,613,000 12,137,052,000 12,131,825,000 12,111,693,000 12,108,846,000 11,989,608,000 11,975,094,000 11,977,597,000 12,008,200,000 10,921,518,000 10,918,872,000 10,912,164,000 7,916,564,000 5,989,183,000 5,963,644,000 5,432,109,000 5,382,596,000 5,872,643 5,381,121,000 4,937,242 4,987,195 5,002,678,000 4,035,754,000 
      interests on federal funds sold and deposits with banks
    		                  1,011,000 601,000            
      loss on sale and valuation adjustments of oreo
    		                  -343,000             
      preferred stock dividend and discount accretion
    		                  8,000 1,000 300,000 263,000 -256,000 254,000 1,011,242 253 253,000 251 250 249,000  
      net loss attributable to noncontrolling interest
    		                   -114,000            
      interest on federal funds sold and cash equivalents
    		                    23,000 19,000 33,000 40,000 245,822 59 66,000     
      net income from boli
    		                    88,000 95,000 94,000 92,000 201,862 47 46,000 45 44 44,000  
      loss on sale and write-down of real estate owned
    		                    -396,000 -53,000 -91,000 -364,000        
      realized gain on sale of afs securities
    		                    178,000           
      fdic insurance
    		                    241,000 257,000 296,000 248,000 1,093,176 278 276,000 192 343 342,000 71,000 
      net income attributable to noncontrolling interest
    		                    -137,000 -110,000 -183,000 -64,000 -755,558 -194      
      see accompanying notes to consolidated financial statements
    		                               
      noninterest income
    		                               
      other than temporary impairment losses
    		                           -48 -37 -47,000  
      portion of loss recognized in other comprehensive income
    		                           20  27,000  
      net impairment losses recognized in earnings
    		                           -28 -37 -20,000  
      noninterest expense
    		                               
      weighted-average shares outstanding
    		                               
      basic
    		11,706,574,000 11,794,531,000 11,773,473,000 11,843,328,000 11,836,384,000 11,954,483,000 11,959,546,000 11,962,197,000 11,958,776,000 11,945,740,000 11,945,844,000 11,891,558,000 11,872,246,000 11,850,223,000 11,850,882,000 11,849,118,000 11,848,964,000 10,770,009,000 10,761,253,000 10,744,896,000 5,988,742,000 5,982,810,000 5,962,623,000 5,385,684,000 5,379,558,000 5,872,276 5,375,792,000 4,886,178 4,866,178 4,886,456,000 4,025,906,000 
      diluted
    		11,903,776,000 11,966,541,000 11,958,108,000 12,008,224,000 12,006,965,000 12,139,451,000 12,153,393,000 12,119,359,000 12,138,613,000 12,137,052,000 12,131,825,000 12,111,693,000 12,108,846,000 11,989,608,000 11,975,094,000 11,977,597,000 12,008,200,000 10,921,518,000 10,918,872,000 10,912,164,000 7,916,564,000 5,989,183,000 5,963,644,000 5,432,109,000 5,382,596,000 5,872,643 5,381,121,000 4,937,242 4,987,195 5,002,678,000 4,035,754,000 
      loss on sale of real estate owned
    		                        -189.25 -132      
      gain on sale of real estate owned
    		                          -537,000     
      net income attributable to company and noncontrolling (minority) interest
    		                          1,990,000 1,722 2,313   
      net income attributable to noncontrolling (minority) interest
    		                          -141,000 -152 -169   
      interest on cash equivalents
    		                           31    
      gain on sale and write-down of real estate owned
    		                           -577    
      net income attributable to company and noncontrolling (minority) interests
    		                             2,819,000  
      net loss attributable to noncontrolling (minority) interests
    		                             -527,000  
      interest and dividend income
    		                               
      interest and dividends on securities
    		                              519,000 
      total interest and dividend income
    		                              9,773,000 
      interest expense
    		                               
      gain on sale of other real estate owned
    		                               
      service charges on deposit accounts
    		                              46,000 
      loss on sale of real estate
    		                              -159,000 
      other miscellaneous fee income
    		                              156,000 
      directors fees
    		                              78,000 
      marketing and business development
    		                              34,000 
      loss on write down of foreclosed asset
    		                              35,000 
      other operating expenses
    		                              251,000 
      net income
    		                              1,529,000 
      yoy
    		                               
      qoq
    		                               
      preferred stock dividends and discount accretion
    		                              166,000 
      see notes to consolidated financial statements.
    		                               
    Balance Sheets:
    Quarterly
    Annual
      Unit: USD2026-03-31 2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-09-30 2019-06-30 2019-03-31 2014-03-31 2013-09-30 2013-06-30 2013-03-31 2012-12-31 2012-09-30 2012-06-30 2011-09-30 2011-06-30 2011-03-31 
                                    
        assets
      		                              
        cash and due from banks
      		6,879,000 7,738,000 6,370,000 7,274,000 6,414,000 4,624,000 4,884,000 6,840,000 7,624,000 12,716,000 10,669,000 15,860,000 18,990,000 20,571,000 20,182,000 17,011,000 18,053,000 7,940,000 7,210,000 4,981,000           
        interest bearing deposits with banks
      		103,995,000  152,943,000 176,980,000 202,622,000  167,565,000 160,838,000 163,469,000  116,071,000 514,934,000 485,367,000  422,540,000 303,912,000 265,138,000              
        cash and cash equivalents
      		110,874,000 156,863,000 159,313,000 184,254,000 209,036,000 221,527,000 172,449,000 167,678,000 171,093,000 180,376,000 126,740,000 530,794,000 504,357,000 458,601,000 442,722,000 320,923,000 283,191,000 151,680,000 167,793,000 188,518,000  21,566,000 37,089,000 63,173,000 76,866,000      
        investment securities available for sale, at fair value
      		4,366,000 4,746,000 5,066,000 4,917,000 5,236,000 5,551,000 6,041,000 6,258,000 6,640,000 7,095,000 7,271,000 16,131,000 17,868,000 19,882,000 22,102,000 24,392,000 26,022,000 28,131,000 29,441,000 30,567,000 31,148,000 16,573,000 17,531,000 18,884,000 19,340,000 21,457,000 23,428,000 24,401,000 25,184,000 26,184,000 
        investment securities held to maturity, net of allowance for credit losses of 0 at march 31, 2026 and december 31, 2025
      		8,760,000                              
        total investment securities
      		13,126,000 13,523,000 13,859,000 14,001,000 14,340,000 14,760,000 15,269,000 15,509,000 15,911,000 16,387,000 16,590,000 17,384,000 19,106,000 21,106,000 23,311,000 25,587,000 27,203,000 29,284,000 30,580,000 31,693,000 33,260,000 18,666,000 19,615,000 20,959,000 21,406,000 23,515,000 25,477,000 26,425,000 27,199,000 28,191,000 
        loans, net of unearned income
      		2,043,296,000 2,035,227,000 1,960,153,000 1,934,786,000 1,883,175,000 1,868,153,000 1,839,929,000 1,805,141,000 1,785,542,000 1,787,340,000 1,800,023,000 1,519,091,000 1,547,739,000 1,565,807,000 1,574,611,000 1,544,233,000 1,468,204,000 1,376,242,000 1,309,139,000 1,298,697,000 650,780,000 660,670,000 644,024,000 631,621,000 629,712,000 603,560,000 604,877,000 638,197,000 630,293,000 622,724,000 
        less: allowance for credit losses
      		-34,921,000 -34,649,000 -33,904,000 -33,770,000 -33,091,000 -32,573,000 -32,318,000 -32,425,000 -31,918,000 -32,131,000 -32,319,000                    
        net loans
      		2,008,375,000 2,000,578,000 1,926,249,000 1,901,016,000 1,850,084,000 1,835,580,000 1,807,611,000 1,772,716,000 1,753,624,000 1,755,209,000 1,767,704,000 1,489,023,000 1,517,529,000 1,536,109,000 1,547,023,000 1,519,005,000 1,444,985,000  1,288,849,000 1,278,887,000 631,342,000 640,990,000 623,157,000 611,760,000 610,776,000 586,073,000 586,552,000    
        accrued interest receivable
      		11,504,000 11,257,000 10,677,000 10,166,000 10,111,000 9,659,000 9,242,000 9,067,000 8,865,000 8,555,000 8,267,000 8,466,000 8,700,000 8,772,000 10,304,000 10,193,000 6,358,000 5,582,000 5,258,000 5,760,000 2,804,000 2,596,000 2,762,000 2,708,000 2,727,000 2,765,000 2,969,000 2,905,000 3,055,000 3,330,000 
        premises and equipment
      		5,462,000 5,506,000 5,573,000 5,581,000 5,597,000 5,316,000 5,365,000 5,441,000 5,501,000 5,579,000 5,665,000 6,476,000 6,597,000 6,698,000 6,815,000 6,908,000 6,901,000 6,776,000 6,832,000 6,865,000 3,828,000 3,945,000 4,012,000 3,943,000 3,989,000   4,167,000 4,191,000 4,204,000 
        restricted stock
      		8,566,000 8,085,000 5,366,000 6,691,000 6,807,000 8,619,000 8,619,000 9,982,000 6,298,000 7,636,000 7,025,000 6,202,000 6,107,000 7,542,000 7,542,000 7,542,000 7,440,000              
        bank owned life insurance
      		35,541,000 35,320,000 32,947,000 29,404,000 29,235,000 29,070,000 28,904,000 28,738,000 28,575,000 28,415,000 28,587,000 27,285,000 27,142,000 27,002,000 26,853,000 26,703,000 26,556,000 26,259,000 26,106,000 25,956,000 11,194,000 11,024,000 10,928,000 10,835,000 10,743,000 5,679,000 5,632,000 5,496,000 5,450,000 5,406,000 
        deferred tax asset
      		10,720,000 10,719,000 9,074,000 9,083,000 9,095,000 9,113,000 9,214,000 9,262,000 9,271,000 9,262,000 9,940,000 8,643,000 8,640,000 8,611,000 6,140,000 6,094,000 6,117,000 6,284,000 6,321,000 6,392,000 12,459,000 4,812,000 4,815,000 4,725,000 11,898,000      
        other real estate owned
      		2,862,000 2,862,000 1,562,000 1,562,000 1,562,000 1,562,000 1,562,000 1,558,000 1,550,000 1,550,000 1,550,000    567,000 3,772,000 3,950,000 5,849,000 4,236,000 5,156,000 29,642,000 27,871,000 23,669,000 25,906,000 26,057,000 28,102,000 26,727,000 18,190,000 18,682,000 15,982,000 
        other
      		5,905,000  7,514,000 8,574,000 5,988,000  7,174,000 7,187,000 8,385,000 10,531,000 11,604,000 7,195,000 4,420,000 3,681,000 4,824,000 8,964,000 2,662,000              
        total assets
      		2,212,935,000 2,249,436,000 2,172,134,000 2,170,332,000 2,141,855,000 2,142,236,000 2,065,409,000 2,027,138,000 2,009,073,000 2,023,500,000 1,983,672,000 2,101,468,000 2,103,142,000 2,078,322,000 2,076,299,000 1,935,884,000 1,815,556,000 1,598,487,000 1,549,794,000 1,558,165,000 800,035,000 747,129,000 738,363,000 757,099,000 770,477,000 770,190,000 788,550,000 767,047,000 745,525,000 725,434,000 
        liabilities and shareholders' equity
      		                              
        liabilities
      		                              
        deposits
      		                              
        noninterest-bearing deposits
      		164,105,000 196,506,000 184,771,000 188,738,000 185,348,000 184,037,000 198,499,000 198,761,000 196,388,000 232,189,000 231,116,000 517,567,000 530,233,000 428,860,000 421,837,000 356,350,000 351,892,000 329,356,000 341,179,000 375,326,000 34,740,000 31,308,000 29,945,000 27,956,000 30,342,000 28,392,000 32,879,000 23,395,000 25,036,000 21,800,000 
        interest-bearing deposits
      		1,534,639,000 1,562,163,000 1,567,810,000 1,504,724,000 1,481,333,000 1,447,013,000 1,360,384,000 1,297,680,000 1,367,316,000 1,320,638,000 1,301,865,000 1,206,935,000 1,200,532,000 1,163,583,000 1,174,664,000 1,152,211,000 1,117,438,000 963,692,000 908,408,000 889,982,000 598,713,000 580,108,000 579,574,000 595,721,000 606,865,000 611,308,000 625,851,000 598,634,000 576,843,000 562,668,000 
        total deposits
      		1,698,744,000 1,758,669,000 1,752,581,000 1,693,462,000 1,666,681,000 1,631,050,000 1,558,883,000 1,496,441,000 1,563,704,000 1,552,827,000 1,532,981,000 1,724,502,000 1,730,765,000 1,592,443,000 1,596,501,000 1,508,561,000 1,469,330,000 1,293,048,000 1,249,587,000 1,265,308,000 633,453,000 611,416,000 609,519,000 623,677,000 637,207,000 639,700,000 658,730,000 622,029,000 601,879,000 584,468,000 
        fhlbny borrowings
      		140,000,000 130,000,000 70,000,000 100,000,000 105,000,000 145,000,000 145,000,000 175,000,000 95,000,000 125,000,000 111,150,000 101,650,000 101,650,000 134,650,000 134,650,000 134,650,000 134,650,000 104,650,000 104,650,000 104,650,000 50,736,000 30,322,000 20,365,000 20,406,000 20,448,000      
        subordinated debentures
      		13,403,000 13,403,000 13,403,000 43,395,000 43,348,000 43,300,000 43,253,000 43,206,000 43,158,000 43,111,000 43,063,000 42,637,000 42,589,000 42,542,000 42,495,000 13,403,000 13,403,000 13,403,000 13,403,000 13,403,000 13,403,000 13,403,000 13,403,000 13,403,000 13,403,000 13,403,000 13,403,000 13,403,000 13,403,000 13,403,000 
        accrued interest payable
      		4,650,000 4,575,000 5,189,000 6,786,000 6,970,000 7,968,000 7,112,000 5,052,000 4,398,000 4,146,000 3,843,000 1,833,000 1,428,000 2,338,000 2,079,000 1,754,000 1,968,000 2,041,000 1,792,000 1,786,000 454,000 422,000 475,000 527,000 537,000 631,000 615,000 656,000 640,000 674,000 
        total liabilities
      		1,877,372,000 1,924,918,000 1,857,297,000 1,858,176,000 1,835,913,000 1,842,163,000 1,768,949,000 1,734,338,000 1,720,687,000 1,739,183,000 1,705,693,000 1,884,457,000 1,893,198,000 1,875,725,000 1,881,888,000 1,746,143,000 1,630,686,000 1,424,943,000 1,382,539,000 1,397,050,000 703,854,000 660,438,000 653,496,000 672,401,000 686,934,000 688,600,000 708,469,000 690,730,000 670,545,000 652,730,000 
        shareholders' equity
      		                              
        preferred stock, 1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible; 325 shares outstanding at march 31, 2026 and december 31, 2025
      		325,000                              
        common stock
      		1,252,000 1,243,000 1,237,000 1,233,000 1,233,000 1,231,000 1,226,000 1,225,000 1,225,000 1,224,000 1,223,000 1,218,000 1,217,000 1,214,000 1,214,000 1,213,000 1,213,000 1,105,000 1,105,000 1,104,000 620,000 619,000 619,000 563,000 560,000 560,000 560,000 510,000 510,000 465,000 
        additional paid-in capital
      		140,587,000 139,268,000 138,607,000 138,014,000 137,951,000 137,784,000 137,130,000 136,946,000 136,801,000 136,700,000 136,547,000 135,318,000 135,246,000 134,989,000 134,919,000 134,830,000 134,769,000 113,704,000 113,613,000 113,561,000 51,264,000 52,665,000 52,665,000 49,035,000 48,869,000 48,869,000 48,869,000 45,844,000 45,844,000 41,931,000 
        retained earnings
      		207,391,000 197,671,000 188,684,000 180,141,000 173,995,000 168,347,000 163,085,000 157,725,000 153,430,000 149,437,000 143,422,000 81,262,000 74,324,000 66,794,000 58,726,000 54,087,000 49,449,000 59,394,000 53,362,000 47,624,000 26,334,000 21,233,000 19,464,000 22,951,000 21,068,000 19,366,000 17,899,000 16,793,000 15,472,000 17,537,000 
        accumulated other comprehensive loss
      		-203,000 -200,000 -227,000 -251,000 -285,000 -337,000 -267,000 -406,000 -430,000 -404,000 -643,000   463,000     -54,000 -272,000 -92,000 -818,000 -858,000 -757,000 -745,000 -632,000 -570,000 -539,000 -569,000 -737,000 
        treasury stock
      		-13,789,000 -13,789,000 -13,789,000 -7,306,000 -7,277,000 -7,277,000 -5,039,000 -3,015,000 -3,015,000 -3,015,000 -3,015,000 -3,015,000 -3,015,000 -3,015,000 -3,015,000 -3,015,000 -3,015,000 -3,015,000 -3,015,000 -3,015,000 -2,180,000 -2,180,000 -2,180,000 -2,180,000 -2,180,000 -2,180,000 -2,180,000 -2,180,000 -2,180,000 -2,180,000 
        total shareholders’ equity
      		335,563,000 324,518,000 314,837,000 312,156,000 305,942,000 300,073,000 296,460,000 292,800,000 288,386,000 284,317,000 277,979,000 215,622,000 208,622,000 200,925,000 192,827,000 188,257,000 183,489,000 171,749,000 165,561,000 159,562,000 95,946,000 87,747,000 85,878,000 85,728,000 83,637,000 81,999,000 80,543,000 76,249,000 74,851,000 72,744,000 
        total liabilities and shareholders' equity
      		2,212,935,000 2,249,436,000 2,172,134,000 2,170,332,000 2,141,855,000 2,142,236,000 2,065,409,000 2,027,138,000 2,009,073,000 2,023,500,000 1,983,672,000                    
        interest earning deposits with banks
      		 149,125,000    216,903,000    167,660,000    438,030,000                 
        investment securities held to maturity, net of allowance for credit losses of 0 at december 31, 2025 and 2024
      		 8,777,000                             
        other assets
      		 4,723,000    7,030,000            5,439,000 6,906,000 3,080,000 3,357,000 9,721,000 9,571,000 9,534,000 3,297,000 15,041,000 15,857,000 14,611,000 14,163,000 15,401,000 
        accrued expenses and other liabilities
      		 18,271,000    14,845,000    14,099,000                     
        preferred stock, 1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible; 325 shares outstanding at december 31, 2025 and 2024, respectively
      		 325,000                             
        investment securities held to maturity, net of allowance for credit losses of 0 at september 30, 2025 and december 31, 2024
      		  8,793,000                            
        preferred stock, 1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible; 325 shares outstanding at september 30, 2025 and december 31, 2024
      		  325,000                            
        investment securities held to maturity, net of allowance for credit losses of 0 at june 30, 2025 and december 31, 2024
      		   9,084,000                           
        preferred stock, 1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible; 325 shares outstanding at june 30, 2025 and december 31, 2024
      		   325,000                           
        investment securities held to maturity, net of allowance for credit losses of 0 at march 31, 2025 and december 31, 2024
      		    9,104,000                          
        preferred stock, 1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible; 325 shares outstanding at march 31, 2025 and december 31, 2024
      		    325,000                          
        investment securities held to maturity, net of allowance for credit losses of 0 at december 31, 2024 and 2023
      		     9,209,000                         
        preferred stock, 1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible; 325 shares and 375 shares outstanding at december 31, 2024 and 2023, respectively
      		     325,000                         
        investment securities held to maturity, net of allowance for credit losses of 0 at september 30, 2024 and december 31, 2023
      		      9,228,000                        
        preferred stock, 1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible; 325 shares and 375 shares outstanding at september 30, 2024 and december 31, 2023, respectively
      		      325,000                        
        investment securities held to maturity, net of allowance for credit losses of 0 at june 30, 2024 and december 31, 2023
      		       9,251,000                       
        preferred stock, 1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible; 325 shares and 375 shares outstanding at june 30, 2024 and december 31, 2023, respectively
      		       325,000                       
        investment securities held to maturity, net of allowance for credit losses of 0 at march 31, 2024 and december 31, 2023
      		        9,271,000                      
        preferred stock, 1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible; 375 shares outstanding at march 31, 2024 and december 31, 2023
      		        375,000                      
        investment securities held to maturity, net of allowance for credit losses of 0 at december 31, 2023
      		         9,292,000                     
        preferred stock, 1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible; 375 shares and 445 shares outstanding at december 31, 2023 and 2022, respectively
      		         375,000                     
        investment securities held to maturity
      		          9,319,000 1,253,000 1,238,000 1,224,000 1,209,000  1,181,000 1,153,000 1,139,000 1,126,000 2,112,000 2,093,000 2,084,000 2,075,000 2,066,000 2,058,000 2,049,000 2,024,000 2,015,000 2,007,000 
        preferred stock, 1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible; 445 shares outstanding at september 30, 2023 and december 31, 2022
      		          445,000                    
        loans held for sale
      		            544,000 200,000 198,000 193,000 193,000 148,000 823,000  17,357,000 3,443,000 698,000 1,335,000 495,000 1,835,000  1,110,000 1,228,000 3,306,000 
        less: allowance for loan losses
      		           -30,068,000 -30,210,000 -29,698,000 -27,588,000 -25,228,000 -23,219,000  -20,290,000 -19,810,000 -19,438,000 -19,680,000 -20,867,000 -19,861,000 -18,936,000 -17,487,000 18,325,000 16,472,000 16,540,000 14,794,000 
        liabilities and equity
      		                              
        frb advances
      		             90,026,000                 
        equity
      		                              
        preferred stock, 1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible; 470 shares and 480 shares outstanding at june 30, 2021 and december 31, 2020, respectively
      		           470,000                   
        accumulated other comprehensive income
      		           369,000 380,000  503,000 642,000 573,000              
        noncontrolling interest in consolidated subsidiaries
      		           1,389,000 1,322,000 1,672,000 1,584,000 1,484,000 1,381,000 1,795,000 1,694,000 1,553,000 235,000 -1,056,000 -1,011,000 -1,030,000 -94,000 -409,000     
        total equity
      		           217,011,000 209,944,000 202,597,000 194,411,000 189,741,000 184,870,000 173,544,000 167,255,000 161,115,000 96,181,000 86,691,000 84,867,000 84,698,000 83,543,000 81,590,000 80,081,000 76,317,000 74,980,000 72,704,000 
        total liabilities and equity
      		           2,101,468,000 2,103,142,000 2,078,322,000 2,076,299,000 1,935,884,000 1,815,556,000 1,598,487,000 1,549,794,000 1,558,165,000 800,035,000 747,129,000 738,363,000 757,099,000 770,477,000 770,190,000 788,550,000 767,047,000 745,525,000 725,434,000 
        preferred stock, 1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible; 470 shares and 480 shares outstanding at march 31, 2021 and december 31, 2020, respectively
      		            470,000                  
        preferred stock, 1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible; 480 shares and 500 shares outstanding at december 31, 2020 and 2019, respectively
      		             480,000                 
        federal reserve bank ("frb") advances
      		              93,801,000                
        preferred stock, 1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible; 480 and 500 shares outstanding at september 30, 2020 and december 31, 2019, respectively
      		              480,000                
        investment securities held to maturity (fair value of 1,506 at june 30, 
 2020 and 1,430 at december 31, 2019)
      		               1,195,000               
        other borrowings
      		               72,896,000               
        preferred stock, 1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible; 500 shares outstanding at june 30, 2020 and december 31, 2019, respectively
      		               500,000               
        preferred stock,1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible; 500 shares outstanding at march 31, 2020 and december 31, 2019, respectively
      		                500,000              
        federal funds sold and other interest bearing deposits with banks
      		                 143,740,000 160,583,000 183,537,000           
        less: allowance for loan and lease losses
      		                 -21,146,000             
        net loans and leases
      		                 1,355,096,000          621,725,000 613,753,000 607,930,000 
        restricted stock, at cost
      		                 6,090,000 6,090,000 5,858,000 3,413,000 2,495,000 2,047,000 2,221,000 2,223,000 2,225,000 2,227,000 3,117,000 3,119,000 3,038,000 
        other liabilities
      		                 11,801,000 13,107,000 11,903,000 5,808,000 4,875,000 4,734,000 4,388,000 5,339,000 4,378,000 5,192,000 3,996,000 3,939,000 3,463,000 
        preferred stock, 1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible; 500 shares and 1,224 shares outstanding at september 30, 2019 and december 31, 2018, respectively
      		                 500,000             
        accumulated other comprehensive gain
      		                 61,000             
        preferred stock,1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible; 550 shares and 1,224 shares outstanding at june 30, 2019 and december 31, 2018, respectively
      		                  550,000            
        preferred stock,1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible; 560 shares and 1,224 shares outstanding at march 31, 2019 and december 31, 2018, respectively
      		                   560,000           
        cash and due from financial institutions
      		                    3,204,000 3,040,000 3,598,000 1,602,000 2,601,000 1,934,000 4,401,000 69,301,000 54,685,000 38,646,000 
        federal funds sold and cash equivalents
      		                    48,175,000 18,526,000 33,491,000 61,571,000 74,265,000 98,949,000 114,578,000    
        total cash and cash equivalents
      		                    51,379,000     100,883,000 118,979,000    
        preferred stock, 1,000,000 shares authorized, 1,000 liquidation value series b - non-cumulative convertible; issued: 20,000 shares at march 31, 2014 and december 31, 2013
      		                    20,000,000          
        see accompanying notes to consolidated financial statements
      		                              
        other borrowed funds
      		                      5,000,000 10,000,000 10,000,000 10,000,000 10,000,000 10,000,000 10,000,000 10,000,000 
        preferred stock, cumulative perpetual, 1,000 liquidation value; authorized 1,000,000 shares; issued: 16,288 shares at september 30, 2013 and december 31, 2012
      		                     16,228,000         
        preferred stock, cumulative perpetual, 1,000 liquidation value; authorized 1,000,000 shares; issued: 16,288 shares at june 30, 2013 and december 31, 2012
      		                      16,168,000        
        preferred stock, cumulative perpetual, 1,000 liquidation value; authorized 1,000,000 shares; issued: 16,288 shares at march 31, 2013 and december 31, 2012
      		                       16,116,000       
        preferred stock, cumulative perpetual, 1,000 liquidation value; authorized 1,000,000 shares; issued: 16,288 shares at december 31, 2012 and december 31, 2011
      		                        16,065,000      
        bank premises and equipment
      		                         4,072,000 4,130,000    
        fhlb borrowings
      		                         20,488,000 20,529,000 40,646,000 40,684,000 40,722,000 
        preferred stock, cumulative perpetual, 1,000 liquidation value; authorized 1,000,000 shares; issued: 16,288 shares at september 30, 2012 and december 31, 2011
      		                         16,016,000     
        preferred stock, cumulative perpetual, 1,000 liquidation value; authorized 1,000,000 shares; issued: 16,288 shares at june 30, 2012 and december 31, 2011
      		                          15,965,000    
        noncontrolling (minority) interest in consolidated subsidiaries
      		                          -462,000 68,000 129,000 -40,000 
        preferred stock, 1,000 liquidation value per share; authorized 1,000,000 shares; issued: 16,288 shares at september 30, 2011 and december 31, 2010
      		                           15,821,000   
        preferred stock, 1,000 liquidation value per share; authorized 1,000,000 shares; issued: 16,288 shares at june 30, 2011 and december 31, 2010
      		                            15,774,000  
        preferred stock, 1,000 liquidation value; authorized 1,000,000 shares; issued: 16,288 shares at march 31, 2011 and december 31, 2010
      		                             15,728,000 
      Cashflow Statements:
      Quarterly
      Annual
        Unit: USD2019-09-30 2012-09-30 2011-09-30 2011-06-30 2011-03-31 
             
          cash flows from operating activities:
        		     
          net income
        		7,865,000 1,915,000 1,723,000 2,313,000 2,819,000 
          adjustments to reconcile net income to net cash from operating activities:
        		     
          depreciation and amortization
        		119,000 84,000 91,000 91,000 91,000 
          provision for loan losses
        		900,000 1,500,000 2,350,000 2,100,000 2,400,000 
          increase in value of bank-owned life insurance
        		-153,000     
          gain on sale of sba loans
        		-76,000 -700,000 -750,000 -898,000 -2,244,000 
          sba loans originated for sale
        		-75,000 -5,895,000 -7,364,000 -7,649,000 -6,980,000 
          proceeds from sale of sba loans originated for sale
        		826,000 4,844,000 8,178,000 8,510,000 7,767,000 
          net loss on sale and valuation adjustments of oreo
        		-196,000     
          net accretion of purchase premiums and discounts on securities
        		10,000 1,000 -20,000 -18,000 -21,000 
          stock based compensation
        		41,000     
          net changes in:
        		     
          decrease in accrued interest receivable and other assets
        		961,000     
          increase in accrued interest payable and other accrued liabilities
        		-882,000 -828,000 9,000 646,000 -1,702,000 
          net cash from operating activities
        		9,340,000 2,159,000 4,600,000 4,628,000 2,069,000 
          capital expenditures
        		0 0 0 0 0 
          free cash flows
        		9,340,000 2,159,000 4,600,000 4,628,000 2,069,000 
          cash flows from investing activities:
        		     
          repayments and maturities of investment securities available for sale
        		1,439,000     
          repayments and maturities of investment securities held to maturity
        		     
          net increase in loans
        		-69,425,000     
          purchases of bank premises and equipment
        		-51,000 -26,000 -67,000 -78,000 -16,000 
          proceeds from sale of oreo
        		860,000     
          redemption (purchase) of restricted stock
        		0     
          net cash from investing activities
        		-67,177,000 -840,000 -9,681,000 -16,610,000 10,897,000 
          cash flows from financing activities:
        		     
          cash dividends
        		-1,731,000     
          proceeds from exercise of stock options
        		0     
          capital contribution from non-controlling interest
        		     
          net decrease in fhlbny and short-term borrowings
        		     
          net increase in noninterest-bearing deposits
        		-11,823,000 -4,487,000 -1,641,000   
          net increase in interest-bearing deposits
        		55,284,000 -14,543,000   -18,886,000 
          other
        		-6,000     
          net cash from financing activities
        		41,724,000 -19,415,000 19,697,000 28,021,000 -31,948,000 
          net increase in cash and cash equivalents
        		-16,113,000     
          cash and cash equivalents at beginning of period
        		0     
          cash and cash equivalents at end of period
        		-16,113,000     
          supplemental disclosure of cash flow information:
        		     
          interest paid
        		5,678,000     
          income taxes paid
        		2,204,000     
          non-cash investing and financing items
        		     
          loans transferred to oreo
        		2,278,000     
          establishment of lease liability and right-of-use asset
        		0     
          cash flows from operating activities
        		     
          bank owned life insurance
        		 -47,000    
          supplemental executive retirement plan expense
        		 34,000 61,000 113,000 112,000 
          loss on sale of other real estate owned
        		 132,000    
          contribution of oreo property
        		     
          other than temporary decline in value of investments
        		    -20,000 
          changes in operating assets and liabilities:
        		     
          increase in accrued interest receivable and other assets
        		 1,583,000 -238,000 -613,000 -57,000 
          cash flows from investing activities
        		     
          purchases of investment securities available for sale
        		 0    
          redemptions (purchases) of restricted stock
        		 2,000    
          proceeds from sale of securities available for sale
        		  0   
          proceeds from maturities, calls and principal payments on securities
        		 1,850,000    
          proceeds from sale of other real estate owned
        		 85,000   2,587,000 
          advances on other real estate owned
        		 -20,000    
          net decrease in loans
        		 -2,731,000   6,877,000 
          cash flows from financing activities
        		     
          payment of dividend on preferred stock
        		 -203,000 -1,019,000 612,000 -204,000 
          cash payment of fractional shares on 10% stock dividend
        		 0 1,000   
          minority interest capital withdrawal
        		 -141,000 -213,000   
          net decrease in federal home loan bank and short term borrowings
        		 -41,000    
          proceeds from exercise of stock options and warrants
        		 0    
          payments of federal home loan bank advances
        		  -38,000 -38,000 -37,000 
          increase in cash and cash equivalents
        		 -18,096,000 14,616,000 16,039,000 -18,982,000 
          cash and cash equivalents, beginning of period
        		 0 0 0 57,628,000 
          cash and cash equivalents, end of period
        		 -18,096,000 14,616,000 16,039,000 38,646,000 
          cash paid during the year for:
        		     
          interest on deposits and borrowed funds
        		 1,770,000 2,312,000 2,346,000 2,561,000 
          income taxes
        		 1,650,000 2,157,000 1,564,000 1,880,000 
          supplemental schedule of noncash activities:
        		     
          real estate acquired in settlement of loans
        		 1,710,000 120,000   
          see accompanying notes to consolidated financial statements
        		     
          deferred income tax benefit
        		     
          bank owned life insurance income
        		  -45,000 -44,000 -44,000 
          gain and writedown on sale of other real estate owned
        		     
          other than temporary impairment of investments
        		  28,000   
          (purchases) redemptions of restricted stock
        		     
          proceeds from maturities and principal payments on mortgage-backed securities
        		  791,000 745,000 1,447,000 
          proceeds from the sale of reo property
        		  692,000   
          advances for other real estate owned
        		  -657,000   
          net decrease in federal home loan bank short term borrowings
        		     
          cash paid for:
        		     
          transfer of loans in settlement of secured borrowings
        		  0   
          gain on sale of other real estate owned
        		   0 -52,000 
          purchases (redemptions) of restricted stock
        		     
          net (increase) in loans
        		     
          net decrease in other borrowed funds
        		    -11,454,000 
          net increase increase in interest-bearing deposits
        		     
          redemptions of restricted stock
        		    2,000 
          net decrease in noninterest-bearing deposits
        		    -1,367,000