Evans Bancorp (EVBN) 10-K 12 Mar 20 2019 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Mar. 05, 2020	Jun. 30, 2019
Document And Entity Information [Abstract]
Document Type	10-K
Document Period End Date	Dec. 31, 2019
Entity Central Index Key	0000842518
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2019
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Entity File Number	001-35021
Entity Registrant Name	EVANS BANCORP INC
Entity Incorporation, State Country Name	New York
Entity Tax Identification Number	161332767
Entity Address, Address Line One	One Grimsby Drive
Entity Address, City or Town	Hamburg
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	14075
City Area Code	716
Local Phone Number	926-2000
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		4,942,802
Entity Public Float			$ 177

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 10,577	$ 13,997
Interest-bearing deposits at banks	28,280	25,918
Securities:
Available for sale, at fair value (amortized cost: $127,217 at December 31, 2019; $135,274 at December 31, 2018)	127,922	132,104
Held to maturity, at amortized cost (fair value: $2,392 at December 31, 2019; $1,674 at December 31, 2018)	2,386	1,685
Federal Home Loan Bank common stock, at cost	1,588	1,474
Federal Reserve Bank common stock, at cost	1,956	1,929
Loans, net of allowance for loan losses of $15,175 at December 31, 2019 and $14,784 at December 31, 2018	1,211,356	1,141,146
Properties and equipment, net of accumulated depreciation of $20,682 at December 31, 2019 and $19,416 at December 31, 2018	13,754	10,485
Goodwill and intangible assets	12,545	12,992
Bank-owned life insurance	29,418	28,403
Operating lease right-of-use asset (see Note 1)	3,720
Other assets	16,728	18,074
TOTAL ASSETS	1,460,230	1,388,207
Deposits:
Demand	263,717	231,902
NOW	140,654	110,450
Savings	587,142	571,479
Time	275,927	301,227
Total deposits	1,267,440	1,215,058
Securities sold under agreement to repurchase	2,425	3,142
Other borrowings	10,000	10,000
Operating lease liability (see Note 1)	4,154
Other liabilities	16,428	17,031
Junior subordinated debentures	11,330	11,330
Total liabilities	1,311,777	1,256,561
CONTINGENT LIABILITIES AND COMMITMENTS
STOCKHOLDERS' EQUITY:
Common stock, $.50 par value, 10,000,000 shares authorized; 4,929,593 and 4,852,868 shares issued at December 31, 2019 and December 31, 2018, respectively, and 4,929,283 and 4,852,868 outstanding at December 31, 2019 and December 31, 2018, respectively	2,467	2,429
Capital surplus	63,302	61,225
Treasury stock, at cost, 310 and 0 shares at December 31, 2019 and December 31, 2018, respectively
Retained earnings	85,267	73,345
Accumulated other comprehensive loss, net of tax	(2,583)	(5,353)
Total stockholders' equity	148,453	131,646
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,460,230	$ 1,388,207

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Securities:
Available for sale, amortized cost	$ 127,217	$ 135,274
Held to maturity, fair value	2,392	1,674
Loans, allowance for loan losses	15,175	14,784
Properties and equipment, accumulated depreciation	$ 20,682	$ 19,416
STOCKHOLDERS' EQUITY:
Common stock, par value	$ 0.50	$ 0.50
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	4,929,593	4,852,868
Common stock, shares outstanding	4,929,283	4,852,868
Treasury stock, shares	310	0

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
INTEREST INCOME
Loans	$ 60,193	$ 53,282	$ 44,379
Interest bearing deposits at banks	697	427	66
Securities:
Taxable	3,537	3,253	2,466
Non-taxable	313	650	837
Total interest income	64,740	57,612	47,748
INTEREST EXPENSE
Deposits	11,939	8,416	4,887
Other borrowings	181	554	418
Junior subordinated debentures	565	535	426
Total interest expense	12,685	9,505	5,731
NET INTEREST INCOME	52,055	48,107	42,017
PROVISION FOR LOAN LOSSES	75	1,402	738
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	51,980	46,705	41,279
NON-INTEREST INCOME
Deposit service charges	2,569	2,176	1,747
Insurance service and fees	10,688	9,365	7,898
Gain on loans sold	154	38	156
Bank-owned life insurance	656	680	864
Loss on tax credit investments	(158)	(2,870)	(3,997)
Refundable state historic tax credit	115	1,982	2,843
Interchange fee income	1,722	1,750	1,494
Other	2,336	2,106	1,998
Total non-interest income	18,082	15,227	13,003
NON-INTEREST EXPENSE
Salaries and employee benefits	29,628	27,412	24,125
Occupancy	3,429	3,135	3,199
Advertising and public relations	1,033	1,070	1,095
Professional services	3,742	2,466	2,260
Technology and communications	4,124	3,394	2,881
Amortization of intangibles	448	280	113
FDIC insurance	431	1,024	740
Other	4,985	4,512	4,181
Total non-interest expense	47,820	43,293	38,594
INCOME BEFORE INCOME TAXES	22,242	18,639	15,688
INCOME TAX PROVISION	5,228	2,283	5,209
NET INCOME	$ 17,014	$ 16,356	$ 10,479
Net income per common share-basic	$ 3.47	$ 3.40	$ 2.21
Net income per common share-diluted	3.42	3.32	2.16
Cash dividends per common share	$ 1.04	$ 0.92	$ 0.80
Weighted average number of common shares outstanding	4,897,803	4,814,882	4,738,394
Weighted average number of diluted shares outstanding	4,968,172	4,933,743	4,860,828

Statements Of Consolidated Comp

Statements Of Consolidated Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019		Dec. 31, 2018	Dec. 31, 2017
Statements Of Consolidated Comprehensive Income [Abstract]
NET INCOME	$ 17,014		$ 16,356	$ 10,479
OTHER COMPREHENSIVE INCOME (LOSS), NET OF TAX:
Unrealized gain (loss) on available-for-sale securities	2,870		(1,299)	(507)
Defined benefit pension plans:
Amortization of prior service cost	23	[1]	26	27	[1]
Amortization of actuarial loss	246	[1]	128	137	[1]
Actuarial losses	(369)		(791)	(19)
Net change, Net-of-Tax Amount	(100)		(637)	145
OTHER COMPREHENSIVE INCOME (LOSS), NET OF TAX	2,770		(1,936)	(362)
COMPREHENSIVE INCOME	$ 19,784		$ 14,420	$ 10,117
[1]	Included in net periodic pension cost as described in Note 11 - "Employee Benefits and Deferred Compensation Plans"

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Stockholders’ Equity - USD ($) $ in Thousands	Common Stock [Member]	Capital Surplus [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2016	$ 2,153	$ 44,389	$ 52,630	$ (2,424)		$ 96,748
Net Income			10,479			10,479
Other comprehensive income				(362)		(362)
Reclassification of certain tax effects from AOCI related to the Tax Cuts and Jobs Act of 2017			631	(631)
Cash dividends			(3,819)			(3,819)
Stock compensation expense		623				623
Issued shares in stock offering	220	13,922				14,142
Issued restricted shares, net of forfeitures	9	(9)
Issued shares under Dividend Reinvestment Plan	3	249				252
Issued shares in Employee Stock Purchase Plan	4	261				265
Issued shares in stock option exercises	5	140				145
Repurchased shares in treasury stock					(342)	(342)
Reissued shares in stock option exercises		(131)			342	211
Balance at Dec. 31, 2017	2,394	59,444	59,921	(3,417)		118,342
Net Income			16,356			16,356
Other comprehensive income				(1,936)		(1,936)
Cash dividends			(4,428)			(4,428)
Stock compensation expense		791				791
Reissued restricted shares
Issued restricted shares, net of forfeitures	8	(8)
Issued shares under Dividend Reinvestment Plan	4	287				291
Issued shares in Employee Stock Purchase Plan	6	339				345
Issued shares in stock option exercises	17	372				389
Balance at Dec. 31, 2018	2,429	61,225	73,345	(5,353)		131,646
Cumulative-effect adjustment due to change in accounting principle			1,496			1,496
Net Income			17,014			17,014
Other comprehensive income				2,770		2,770
Cash dividends			(5,092)			(5,092)
Stock compensation expense		937				937
Reissued restricted shares
Issued restricted shares, net of forfeitures	12	(12)
Issued shares under Dividend Reinvestment Plan	4	272				276
Issued shares in Employee Stock Purchase Plan	6	381				387
Issued shares in stock option exercises	16	499				515
Reissued shares in stock option exercises
Balance at Dec. 31, 2019	$ 2,467	$ 63,302	$ 85,267	$ (2,583)		$ 148,453

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Stockholders’ Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Consolidated Statements Of Changes In Stockholders’ Equity [Abstract]
Cash dividends per common share	$ 1.04	$ 0.92	$ 0.80
Reissued restricted shares	500	1,057	741
Issued restricted shares, net of forfeitures	20,632	14,839	13,112
Issued shares in stock offering			440,000
Issued shares under Dividend Reinvestment Plan	7,549	6,329	6,155
Issued shares in Employee Stock Purchase Plan	11,712	10,821	7,610
Issued shares in stock option exercises	32,516	37,317	10,001
Repurchased shares in treasury stock			9,218
Reissued shares in stock option exercises	3,506		13,470

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
OPERATING ACTIVITIES:
Interest received	$ 65,036	$ 57,605	$ 47,028
Fees received	17,872	14,960	13,419
Interest paid	(12,771)	(9,140)	(5,631)
Cash paid to employees and vendors	(45,732)	(41,302)	(37,778)
Cash contributed to pension plan			(1,000)
Income taxes refund (paid)	(3,102)	3,314	(3,029)
Proceeds from sale of loans held for resale	13,008	4,301	11,487
Originations of loans held for resale	(13,238)	(4,615)	(11,016)
Net cash provided by operating activities	21,073	25,123	13,480
INVESTING ACTIVITIES:
Available for sales securities: Purchases	(48,916)	(47,863)	(65,889)
Available for sales securities: Proceeds from sales	15,224
Available for sales securities: Proceeds from maturities, calls, and payments	41,332	60,869	13,014
Held to maturity securities: Purchases	(1,592)	(630)	(4,345)
Held to maturity securities: Proceeds from maturities, calls, and payments	891	4,278	995
Cash received (paid) for bank owned life insurance	(360)	675	(6,000)
Additions to properties and equipment	(4,640)	(1,106)	(483)
Proceeds from sales of assets	185
Proceeds from equity securities sales		1,960
Purchase of tax credit investment	(3,116)	(3,877)	(3,102)
Acquisitions		(5,000)	(275)
Net increase in loans	(68,890)	(91,873)	(120,438)
Net cash used in investing activities	(69,882)	(82,567)	(186,523)
FINANCING ACTIVITIES:
Proceeds (repayments) from short-term borrowings, net	(717)	(84,397)	59,180
Net increase in deposits	52,382	163,829	111,255
Dividends paid	(5,092)	(4,428)	(3,819)
Repurchase of treasury stock			(342)
Issuance of common stock	1,178	1,025	14,804
Reissuance of treasury stock			211
Net cash provided by financing activities	47,751	76,029	181,289
Net increase (decrease) in cash and cash equivalents	(1,058)	18,585	8,246
CASH AND CASH EQUIVALENTS:
Beginning of year	39,915	21,330	13,084
End of year	38,857	39,915	21,330
RECONCILIATION OF NET INCOME TO NET CASH PROVIDED BY OPERATING ACTIVITIES:
Net income	17,014	16,356	10,479
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	2,049	1,825	1,762
Deferred tax expense (benefit)	(571)	495	3,150
Provision for loan losses	75	1,402	738
Loss on tax credit investment	158	2,870	3,997
Changes in refundable state historic tax credits	(115)	3,105	(2,843)
Net gain on sales of assets	(3)
(Gain) loss on sales of securities	(42)	98
Gain on loans sold	(154)	(38)	(156)
Change in fair value of equity securities		(244)
Stock compensation expense	937	791	623
Proceeds from sale of loans held for resale	13,008	4,301	11,487
Originations of loans held for resale	(13,238)	(4,615)	(11,016)
Changes in assets and liabilities affecting cash flow:
Other assets	(4,948)	(3,406)	(2,975)
Other liabilities	6,903	2,183	(1,766)
NET CASH PROVIDED BY OPERATING ACTIVITIES	$ 21,073	$ 25,123	$ 13,480

Organization And Summary Of Sig

Organization And Summary Of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2019
Organization And Summary Of Significant Accounting Policies [Abstract]
Organization And Summary Of Significant Accounting Policies	1. ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES  Organization and General  Evans Bancorp, Inc. (the “Company”) was organized as a New York business corporation and incorporated under the laws of the State of New York on October 28, 1988 for the purpose of becoming a bank holding company. Through August 2004, the Company was registered with the Federal Reserve Board (“FRB”) as a bank holding company under the Bank Holding Company Act of 1956, as amended. In August 2004, the Company filed for, and was approved as, a Financial Holding Company under the Bank Holding Company Act. The Company currently conducts its business through its two subsidiaries: Evans Bank, N.A. (the “Bank”), a nationally chartered bank, and its subsidiary, Evans National Holding Corp. (“ENHC”); and Evans National Financial Services, LLC (“ENFS”) and its subsidiary, The Evans Agency LLC (“TEA”). Unless the context otherwise requires, the term “Company” refers collectively to Evans Bancorp, Inc. and its subsidiaries. The Company conducts its business through its subsidiaries. It does not engage in any other substantial business.  Regulatory Requirements  The Company is subject to the rules, regulations, and reporting requirements of various regulatory bodies, including the FRB, the Federal Deposit Insurance Corporation (“FDIC”), the Office of the Comptroller of the Currency (“OCC”), the New York State Department of Financial Services (“NYSDFS”), and the Securities and Exchange Commission (“SEC”).  Principles of Consolidation  The consolidated financial statements include the accounts of the Company, the Bank, ENFS and their subsidiaries. All material inter-company accounts and transactions are eliminated in consolidation.  Accounting Estimates  Management has made a number of estimates and assumptions relating to the reporting of assets and liabilities and disclosure of contingent assets and liabilities in order to prepare these consolidated financial statements in conformity with U.S. generally accepted accounting principles. The estimates and assumptions that management deems to be critical involve our accounting policies relating to the determination of our allowance for loan losses and the valuation of goodwill. These estimates and assumptions are based on management’s best estimates and judgment and management evaluates them on an ongoing basis using historical experience and other factors, including the current economic environment, which management believes to be reasonable under the circumstances. We adjust our estimates and assumptions when facts and circumstances dictate. As future events cannot be determined with precision, actual results could differ significantly from our estimates. Changes in those estimates resulting from continuing changes in the economic environment will be reflected in the consolidated financial statements in periods as they occur.  Cash and Cash Equivalents  For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks and interest-bearing deposits at banks.  Securities  Securities which the Bank has the positive intent and ability to hold to maturity are classified as held to maturity and are stated at cost, adjusted for discounts and premiums that are recognized in interest income over the period to the earlier of the call date or maturity using the level yield method. These securities represent debt issuances of local municipalities in the Bank’s market area for which market prices are not readily available. Management periodically evaluates the financial condition of the municipalities for any indication that the Bank does not expect to recover the entire amortized cost basis of their bonds.  Securities classified as available for sale are stated at fair value with unrealized gains and losses excluded from earnings and reported, net of deferred income taxes, in accumulated other comprehensive income or loss, a component of stockholders’ equity. Gains and losses on sales of securities are computed using the specific identification method.  Declines in the fair value of investment securities (with certain exceptions for debt securities noted below) that are deemed to be other-than-temporary are charged to earnings as a realized loss and a new cost basis for the securities is established. Declines in the fair value of debt securities below amortized cost are deemed to be other-than-temporary in circumstances where: (1) the Bank has the intent to sell a security; (2) it is more likely than not that the Bank will be required to sell the security before recovery of its amortized cost basis; or (3) the Bank does not expect to recover the entire amortized cost basis of the security. If the Bank intends to sell a security or if it is more likely than not that the Bank will be required to sell the security before recovery, an other-than-temporary impairment write-down is recognized in earnings equal to the difference between the security’s amortized cost basis and its fair value. If the Bank does not intend to sell the security or it is not more likely than not that it will be required to sell the security before recovery, the other-than-temporary impairment write-down is separated into an amount representing credit loss, which is recognized in earnings, and an amount related to all other factors, which is recognized in other comprehensive income.  The Bank does not engage in securities trading activities.  Loans  Loans that management has the intent and ability to hold for the foreseeable future, or until maturity or pay-off, generally are reported at their outstanding unpaid principal balances adjusted for unamortized deferred fees or costs. Interest income is accrued on the unpaid principal balance and is recognized using the interest method. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the effective yield method of accounting for amortizing loans and straight line over an estimated life for lines of credit.  Loans become past due when the payment date has been missed. If payment has not been received within 30 days, then the loan is delinquent. Delinquent loans are placed into three categories; 30-59 days past due, 60-89 days past due, or 90+ days past due. Loans 90 or more days past due are considered non-performing.  The accrual of interest on loans is discontinued at the time the loan is 90 days delinquent, unless the credit is well secured and in process of collection. If the credit is not well secured and in the process of collection, the loan is placed on non-accrual status and is subject to charge-off if collection of principal or interest is considered doubtful. A loan can also be placed on nonaccrual before it is 90 days delinquent if management determines that it is probable that the Bank will be unable to collect principal or interest due according to the contractual terms of the loan.  All interest due but not collected for loans that are placed on non-accrual status or charged off is reversed against interest income. The interest on these loans is accounted for on the cost-recovery method, until it again qualifies for an accrual basis. Any cash receipts on non-accrual loans reduce the carrying value of the loans. Loans are returned to accrual status when all principal and interest amounts contractually due are brought current, the adverse circumstances which resulted in the delinquent payment status are resolved, and payments are made in a timely manner for a period of time sufficient to reasonably assure their future dependability.  The Bank considers a loan impaired when, based on current information and events, it is probable that it will be unable to collect principal or interest due according to the contractual terms of the loan. These loans are individually assessed for any impairment. Loan impairment is measured based on the present value of expected cash flows discounted at the loan’s effective interest rate or, as a practical expedient, at the loan’s observable market price or the fair value of the collateral, less costs to sell, if the loan is collateral dependent. Appraised and reported values may be discounted based on management’s historical knowledge, changes in market conditions from the time of valuation, estimated costs to sell, and/or management’s expertise and knowledge of the client and the client’s business. The Company has an appraisal policy in which appraisals are obtained upon a loan being downgraded on the Company’s internal loan rating scale to special mention or substandard depending on the amount of the loan, the type of loan and the type of collateral. All impaired nonaccrual loans are either graded special mention or substandard on the internal loan rating scale. Subsequent to the downgrade, if the loan remains outstanding and impaired for at least one year more, management may require another follow-up appraisal. Between receipts of updated appraisals, if necessary, management may perform an internal valuation based on any known changing conditions in the marketplace such as sales of similar properties, a change in the condition of the collateral, or feedback from local appraisers.   The Bank monitors the credit risk in its loan portfolio by reviewing certain credit quality indicators (“CQI”). The primary CQI for its commercial mortgage and commercial and industrial (“C&I”) portfolios is the individual loan’s credit risk rating. The following list provides a description of the credit risk ratings that are used internally by the Bank when assessing the adequacy of its allowance for loan losses:  · Acceptable or better : Credits with a slight risk of loss. The loan is secured by collateral of sufficient value to cover the loan by an acceptable margin. The financial statements of the company demonstrate sufficient net worth and repayment ability. The company has established an acceptable credit history with the bank and typically has a proven track record of performance. Management is experienced, and has an at least average ability to manage the company. The industry has an average or less than average susceptibility to wide fluctuations in business cycles. · Watch : Credits are generally acceptable but warrant greater attention than those rated acceptable or better. Temporary performance issues, if left unresolved, may result in above average risk. The borrower’s financial position is not typically strong. Earnings, while still positive, may be inconsistent. Industry issues or external events (such as possible litigation exposure) may cause concern. Although ability to repay is not an immediate concern, more regular monitoring may be necessary as a result of the short-term performance issues or sensitivities to external events that may result in a weakening condition. Any perceived weaknesses are acceptable when viewed against the overall credit and collateral risks assumed. Borrowers are likely fully leveraged when compared to others in a similar industry and their ability to raise capital may be limited.  · Special Mention : Credits that have potential weaknesses that warrant management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution’s credit position at some future date. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification.  Borrowers in this category may be experiencing adverse operating trends (declining revenues or margins) or an ill proportioned balance sheet. Adverse economic or market conditions, such as interest rate increases or the entry of a new competitor, may also support a special mention rating. Nonfinancial reasons for rating a credit exposure as special mention include management problems, pending litigation, stale financial statements, an ineffective loan agreement or other material structural weakness, and any other significant deviation from prudent lending practices.  Potential weaknesses in commercial real estate loans may include, construction delays, changes in concept or project plan, slow leasing, rental concessions, deteriorating market conditions, impending expiry of a major lease, or other adverse events that do not currently jeopardize repayment.  · Substandard : Credits that are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified must have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized by the distinct possibility of loss if the deficiencies are not corrected.  Substandard assets have a high probability of payment default, or they have other well-defined weaknesses. They are generally characterized by current or expected unprofitable operations, inadequate debt service coverage, inadequate liquidity, or marginal capitalization. Repayment may depend on collateral or other credit risk mitigates. Although substandard assets in the aggregate will have distinct potential for loss, an individual asset’s loss potential does not have to be distinct for the asset to be rated substandard.  A well-defined weakness may manifest itself via: • significant deterioration in financial condition of the borrower; • impairment of primary repayment source; • material deviation from planned absorption of rental or sales units; or • material deterioration in market conditions.  Commercial real estate credits evidencing one or more of the following characteristics are evaluated for a possible substandard classification: • slower than projected leasing or sales activity that threatens to result in protracted repayment or default; • lower than projected lease rates or sales prices that jeopardize repayment capacity; • changes in concept or plan due to unfavorable market conditions; • construction or tax liens; • inability to obtain necessary zoning or permits necessary to develop the project as planned; • a diversion of needed cash from an otherwise viable property to satisfy the demands of a troubled borrower or guarantor; • material imbalances in the construction budget; • significant construction delays; • expiration of a major lease or default by a major tenant; • poorly structured of overly liberal repayment terms.  When a project has slowed or stalled and the guarantor is providing some support but the loan has not been restructured, unless the guarantor is providing support of principal payments sufficient to retire the debt under reasonable terms, a substandard classification is typically warranted. If the guarantor is keeping interest payments current and shows a documented willingness and capacity to do so in the future, and collateral values protect against loss, the loan should generally be left on accrual. This level of support; however, does not fully mitigate the well-defined weaknesses in the credit and does not preclude a substandard classification.  · Doubtful : Credits that have all the weaknesses inherent in one classified Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. A doubtful asset has a high probability of total or substantial loss but because of specific pending events that may strengthen the assets, its classification as loss is deferred. Borrowers in this category are usually in default, lack adequate liquidity or capital and lack the resources necessary to remain an operating entity. Because of high probability of loss, nonaccrual accounting treatment is required for doubtful assets.  Circumstances that might warrant a doubtful classification for commercial real estate loans could include collateral values that are uncertain due to a lack of comparisons in an inactive market, impending changes such as zoning classification, environmental issues, or the pending resolution of legal issues that may affect the realization of value in a sale.  · Loss : Credits that are considered uncollectable and of such little value that their continuance as bankable assets is not warranted. This classification does not mean that the loan has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be affected in the future. Borrowers in this category are often in bankruptcy, have formally suspended debt repayments, or have otherwise ceased normal business operations. The Company does not maintain an asset on the balance sheet if realizing its value would require long-term litigation or other lengthy recovery efforts.  The Company’s consumer loans, including residential mortgages and home equities, are not individually risk rated or reviewed in the Company’s loan review process. Consumers are not required to provide the Company with updated financial information as is a commercial customer. Consumer loans also carry smaller balances. Given the lack of updated information since the initial underwriting of the loan and small size of individual loans, the Company does not have credit risk ratings for consumer loans and instead uses delinquency status as the credit quality indicator for consumer loans. However, once a consumer loan is identified as impaired, it is individually evaluated for impairment.  Allowance for Loan Losses  The provision for loan losses represents the amount charged against the Bank’s earnings to maintain an allowance for loan losses inherent in the portfolio based on management’s evaluation of the loan portfolio at the balance sheet date. Factors considered by the Bank’s management in establishing the allowance include: the collectability of individual loans, current loan concentrations, charge-off history, loss emergence period, delinquent loan percentages, the fair value of the collateral, input from regulatory agencies, and general economic conditions.  On a quarterly basis, management of the Bank meets to review and determine the adequacy of the allowance for loan losses. In making this determination, the Bank’s management analyzes the ultimate collectability of the loans in its portfolio by incorporating feedback provided by the Bank’s internal loan staff, an independent internal loan review function and information provided by examinations performed by regulatory agencies.  The analysis of the allowance for loan losses is composed of two components: specific credit allocation and general portfolio allocation. The specific credit allocation includes a detailed review of each impaired loan and allocation is made based on this analysis. Factors may include the appraisal value of the collateral, the age of the appraisal, the type of collateral, the performance of the loan to date, the performance of the borrower’s business based on financial statements, and legal judgments involving the borrower. The general portfolio allocation consists of an assigned reserve percentage based on the historical loss experience, the loss emergence period, and other qualitative factors of the loan category.  The general portfolio allocation is segmented into homogeneous pools of loans with similar characteristics. Separate pools of loans include loans pooled by loan grade and by portfolio segment. An average historical loss rate over the past seven years multiplied by the loss emergence period factor is applied against these loans.  For both the criticized and non-criticized loan pools in the general portfolio allocation, additional qualitative factors are applied. The qualitative factors applied to the general portfolio allocation reflect management’s evaluation of various conditions. The conditions evaluated include the following: levels and trends in delinquencies, non-accruals, and criticized loans; trends in volume and terms of loans; effects of any changes in lending policies and credit quality underwriting standards; experience, ability, and depth of management; national and economic trends and conditions; changes in the quality of the loan review system; concentrations of credit risk; changes in collateral value; and large loan risk. The total possible qualitative allocation is determined by comparing peer bank historical charge-off rates to the Bank’s historical charge-off rate. The actual qualitative allocation is determined by qualitative factor by loan type based on metrics that management believes are appropriate indicators of whether the Bank is in a low, moderate, or high risk range relative to historical experience for each qualitative factor.  Foreclosed Real Estate  Foreclosed real estate is initially recorded at the lower of carrying or fair value (net of costs of disposal) at the date of foreclosure. Costs relating to development and improvement of property are capitalized, whereas costs relating to the holding of property are expensed. Assessments are periodically performed by management, and an allowance for losses is established through a charge to operations if the carrying value of a property exceeds fair value.  Insurance Service and Fees  Commission revenue from selling commercial and personal property and casualty insurance on behalf of the insurance carriers is recognized at the time of the sale of the policy or when a policy renews. Commission revenue from selling benefit plans to commercial customers on behalf of the insurance carriers is recognized each month when the customer continues with the benefit plan. The Company also receives contingent commissions from insurance companies which are based on the overall profitability of their relationship based primarily on the loss experience of the insurance placed by the Company. Contingent commissions from insurance companies are accrued throughout the year based on recent historical results. As loss events occur and overall performance becomes known, accrual adjustments are recorded until the cash is ultimately received. Financial services commissions and insurance claims services revenue are recognized when the services are rendered. Information on insurance service and fee revenue is included in Note 1 4 to these Consolidated Financial Statements, “ Revenue Recognition of Non-interest Income .”  Goodwill and Other Intangible Assets  The Company records the excess of the cost of acquired entities over the fair value of identifiable tangible and intangible assets acquired, less liabilities assumed, as goodwill. The Company amortizes acquired intangible assets with definite useful economic lives over their useful economic lives utilizing the straight-line method. On a periodic basis, management assesses whether events or changes in circumstances indicate that the carrying amounts of the intangible assets may be impaired. The Company does not amortize goodwill and any acquired intangible asset with an indefinite useful economic life, but reviews them for impairment at a reporting unit level on an annual basis, or when events or changes in circumstances indicate that the carrying amounts may be impaired. A reporting unit is defined as any distinct, separately identifiable component of one of our operating segments for which complete, discrete financial information is available and reviewed regularly by the segment’s management.  The impairment test compares the fair value of the reporting unit with its carrying amount, including goodwill. The fair value of the reporting units is measured utilizing the average of a discounted cash flow model and a market value based on a multiple to earnings before interest, taxes, depreciation, and amortization (“EBITDA”) for similar companies. When modeling future cash flows, management considered historical information, the operating budget, and strategic goals in projecting net income and cash flows for the next five years.  Bank-Owned Life Insurance  The Bank has purchased insurance on the lives of Company directors and certain members of the Company’s management. The policies accumulate asset values to meet future liabilities, including the payment of employee benefits, such as retirement benefits. Increases in the cash surrender value are recorded as other income in the Company’s Consolidated Statements of Income. Properties and Equipment  Properties and equipment are stated at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the estimated useful lives of the assets, which range from 3 to 39 years. Impairment losses on properties and equipment are realized if the carrying amount is not recoverable from its undiscounted cash flows and exceeds its fair value.  Income Taxes  Deferred tax assets and liabilities are recognized for the future tax effects attributable to differences between the financial statement value of existing assets and liabilities and their respective tax bases and carryforwards. Deferred tax assets and liabilities are reflected at currently enacted income tax rates applicable to the periods in which the deferred tax assets or liabilities are expected to be realized or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through income tax expense.  The Bank has invested in partnerships that incur expenses related to the rehabilitation of a certified historic structure located in New York State. At the time the historic structure is placed in service, the Bank is eligible for a federal and New York State tax credit. At the same time, the Bank evaluates its investment, which is valued at the present value of the expected cash flows from its partnership interest. If the investment is determined to be impaired, the Bank will record that impairment loss on its income statement in non-interest income. The federal tax credit impact is included in the Company’s estimated effective tax rate calculation and recorded in income tax expense. For New York State, any new credit earned from rehabilitated historic properties placed in service on or after January 1, 2015 not used in the current tax year will be treated as a refund or overpayment of tax to be credited to the next year’s tax. Since the realization of the tax credit does not depend on the Bank’s generation of future taxable income or the Bank’s ongoing tax status or tax position, the refund is not considered an element of income tax accounting. In such cases, the Bank would not record the credit as a reduction of income tax expense; rather, the Bank includes the refundable New York State tax credit in non-interest income with a corresponding receivable recorded in other assets.  Earnings Per Share  Earnings per common share is determined by dividing net income by the weighted average number of shares outstanding during the period. Diluted earnings per common share is based on increasing the weighted-average number of shares of common stock by the number of shares of common stock that would be issued assuming the exercise of stock options. Such adjustments to weighted-average number of shares of common stock outstanding are made only when such adjustments are expected to dilute earnings per common share. There were 70,369 , 118,861 , and 122,434 potentially dilutive shares of common stock included in calculating diluted earnings per share for the years ended December 31, 2019, 2018, and 2017, respectively. Potential common shares that would have the effect of increasing diluted earnings per share are considered to be anti-dilutive and are not included in calculating diluted earnings per share. There were 43,385 , 27,600 and zero anti-dilutive shares at December 31, 2019, 2018 and 2017, respectively.  Treasury Stock  Repurchases of shares of Evans Bancorp, Inc. stock are recorded at cost as a reduction of shareholders’ equity. Reissuances of shares of treasury stock are recorded at market value.  Comprehensive Income  Comprehensive income includes both net income and other comprehensive income, including the change in unrealized gains and losses on securities available for sale, and the change in the liability related to pension costs, net of tax.  Employee Benefits  The Bank maintains a non-contributory, qualified, defined benefit pension plan (the “Pension Plan”) that covered substantially all employees before it was frozen on January 31, 2008. All benefits eligible participants had accrued in the Pension Plan until the freeze date have been retained. Employees have not accrued additional benefits in the Pension Plan from that date. The actuarially determined pension benefit in the form of a life annuity is based on the employee’s combined years of service, age and compensation. The Bank’s policy is to fund the minimum amount required by government regulations. Employees are eligible to receive these benefits at normal retirement age.  The Bank maintains a defined contribution 401(k) plan and accrues contributions due under this plan as earned by employees. In addition, the Bank maintains a non-qualified Supplemental Executive Retirement Plan for certain members of senior management, a non-qualified Deferred Compensation Plan for directors and certain members of management, and a non-qualified Executive Incentive Retirement Plan for certain members of management, as described more fully in Note 11 to these Consolidated Financial Statements, “Employee Benefits and Deferred Compensation Plans.”  Stock-based Compensation  Stock-based compensation expense is recognized over the vesting period of the stock-based grant based on the estimated grant date value of the stock-based compensation that is expected to vest. The Company accounts for forfeitures of stock awards when they occur. When stock awards are granted, the Company assumes that the service condition will be achieved when determining the initial amount of compensation cost recognized. Information on the determination of the estimated value of stock-based awards used to calculate stock-based compensation expense is included in Note 12 to these Consolidated Financial Statements, “Stock-Based Compensation.”  Loss Contingencies  Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.  Financial Instruments with Off-Balance Sheet Risk  In the ordinary course of business, the Bank has entered into off-balance sheet financial arrangements consisting of commitments to extend credit and standby letters of credit. The Bank provides guarantees in the form of standby letters of credit, which represent an irrevocable obligation to make payments to a third party if the borrower defaults on its obligation under a borrowing or other contractual arrangement with the third party. The Bank could potentially be required to make payments to the extent of the amount guaranteed by the standby letters of credit based on the terms of the agreement. The maximum potential amount of future payments under standby letters of credit was $4.3 million and $3.4 million as of December 31, 2019 and 2018, respectively. There were no liabilities recorded on the Consolidated Balance Sheets related to standby letters of credit as of December 31, 2019 and 2018, respectively, reflecting management’s assessment of the value of the guarantee given the lack of historical activity and the likelihood of current customers to draw on the letters of credit. The Bank has not incurred any losses on its commitments during the past three years and has not recorded a reserve for its commitments.  Advertising costs  Advertising costs are expensed as incurred.  RECENT ACCOUNTING PRONOUNCEMENTS AND DEVELOPMENTS  The FASB establishes changes to U.S. GAAP in the form of accounting standards updates (“ASUs”) to the FASB Accounting Standards Codification. The Company considers the applicability and impact of all ASUs when they are issued by FASB. ASUs listed below were adopted by the Company during its current fiscal year. ASUs not listed below did not have a material impact on the Company’s consolidated financial position, results of operations, cash flows or disclosures.  On January 1, 2019, the Company adopted ASU 2016-02 Leases and all subsequent amendments (collectively, “ASU 2016-02”). The objective of this ASU is to increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet and disclosing key information about leasing arrangements to

Securities

Securities	12 Months Ended
	Dec. 31, 2019
Securities [Abstract]
Securities	 2. SECURITIES  The amortized cost of securities and their approximate fair value at December 31 were as follows:     2019  (in thousands)   Amortized Unrealized Fair  Cost Gains Losses Value   Available for Sale:  Debt securities:  U.S. government agencies $ 27,951 $ 225 $ (21) $ 28,155  States and political subdivisions 3,289 69 (7) 3,351  Total debt securities $ 31,240 $ 294 $ (28) $ 31,506   Mortgage-backed securities:  FNMA $ 34,395 $ 330 $ (53) $ 34,672  FHLMC 15,390 137 (13) 15,514  GNMA 3,421 16 (24) 3,413  SBA 13,752 90 (70) 13,772  CMO 29,019 190 (164) 29,045  Total mortgage-backed securities $ 95,977 $ 763 $ (324) $ 96,416   Total securities designated as available for sale $ 127,217 $ 1,057 $ (352) $ 127,922   Held to Maturity:  Debt securities  States and political subdivisions $ 2,386 $ 24 $ (18) $ 2,392   Total securities designated as held to maturity $ 2,386 $ 24 $ (18) $ 2,392        2018  (in thousands)   Amortized Unrealized Fair  Cost Gains Losses Value   Available for Sale:  Debt securities:  U.S. government agencies $ 34,597 $ 2 $ (671) $ 33,928  States and political subdivisions 22,168 69 (64) 22,173  Total debt securities $ 56,765 $ 71 $ (735) $ 56,101   Mortgage-backed securities:  FNMA $ 27,747 $ 21 $ (729) $ 27,039  FHLMC 14,645 11 (431) 14,225  GNMA 1,660 6 (36) 1,630  SBA 9,432 - (299) 9,133  CMO 25,025 6 (1,055) 23,976  Total mortgage-backed securities $ 78,509 $ 44 $ (2,550) $ 76,003   Total securities designated as available for sale $ 135,274 $ 115 $ (3,285) $ 132,104   Held to Maturity:  Debt securities  States and political subdivisions $ 1,685 $ 11 $ (22) $ 1,674   Total securities designated as held to maturity $ 1,685 $ 11 $ (22) $ 1,674    Available for sale securities with a total fair value of $102 million and $94 million were pledged as collateral to secure public deposits and for other purposes required or permitted by law at December 31, 2019 and 2018, respectively.  The scheduled maturity of debt and mortgage-backed securities at December 31, 2019 and 2018 is summarized below. All maturity amounts are contractual maturities. Actual maturities may differ from contractual maturities because certain issuers have the right to call or prepay obligations with or without call premiums.         2019 2018  Amortized Estimated Amortized Estimated  cost fair value cost fair value  (in thousands) (in thousands)   Debt securities available for sale:   Due in one year or less $ 6,005 $ 6,014 $ 5,074 $ 5,075  Due after one year through five years 6,481 6,626 22,637 22,448  Due after five years through ten years 18,754 18,866 28,870 28,391  Due after ten years - - 184 187  31,240 31,506 56,765 56,101   Mortgage-backed securities  available for sale 95,977 96,416 78,509 76,003   Total $ 127,217 $ 127,922 $ 135,274 $ 132,104   Debt securities held to maturity:   Due in one year or less $ 1,139 $ 1,140 $ 693 $ 693  Due after one year through five years 712 732 811 811  Due after five years through ten years 54 54 93 89  Due after ten years 481 466 88 81  Total $ 2,386 $ 2,392 $ 1,685 $ 1,674  Contractual maturities of the Company’s mortgage-backed securities generally exceed ten years; however, the effective lives may be significantly shorter due to prepayments of the underlying loans and due to the nature of these securities.  Gross realized gains and losses on sales of investment securities were both less than $0.1 million in 2019. Gross realized losses on sales of investment securities were $0.1 million in 2018. There were no gross realized gains from sales of securities in 2018. There were no gross realized gains or losses from sales of investment securities in 2017.  Information regarding unrealized losses within the Company’s available for sale securities at December 31, 2019 and 2018 is summarized below. The securities are primarily U.S. government-guaranteed agency securities or municipal securities. All unrealized losses are considered temporary and related to market interest rate fluctuations.      2019   Less than 12 months 12 months or longer Total  Fair Unrealized Fair Unrealized Fair Unrealized  Value Losses Value Losses Value Losses  (in thousands)  Available for Sale:  Debt securities:  U.S. government agencies $ 1,976 $ (18) $ 3,997 $ (3) $ 5,973 $ (21)  States and political subdivisions - - 181 (7) 181 (7)  Total debt securities $ 1,976 $ (18) $ 4,178 $ (10) $ 6,154 $ (28)   Mortgage-backed securities:  FNMA $ 5,355 $ (38) $ 3,630 $ (15) $ 8,985 $ (53)  FHLMC - - 1,242 (13) 1,242 (13)  GNMA 2,091 (22) 770 (2) 2,861 (24)  SBA 5,171 (70) - - 5,171 (70)  CMO 5,706 (36) 8,911 (128) 14,617 (164)  Total mortgage-backed securities $ 18,323 $ (166) $ 14,553 $ (158) $ 32,876 $ (324)   Held to Maturity:  Debt securities:  States and political subdivisions $ 227 $ (1) $ 2,165 $ (17) $ 2,392 $ (18)   Total temporarily impaired  securities $ 20,526 $ (185) $ 20,896 $ (185) $ 41,422 $ (370)    2018   Less than 12 months 12 months or longer Total  Fair Unrealized Fair Unrealized Fair Unrealized  Value Losses Value Losses Value Losses  (in thousands)  Available for Sale:  Debt securities:  U.S. government agencies $ 9,931 $ (49) $ 21,144 $ (622) $ 31,075 $ (671)  States and political subdivisions 5,218 (15) 6,893 (49) 12,111 (64)  Total debt securities $ 15,149 $ (64) $ 28,037 $ (671) $ 43,186 $ (735)   Mortgage-backed securities:  FNMA $ 2,637 $ (21) $ 23,667 $ (708) $ 26,304 $ (729)  FHLMC 1,895 (25) 11,899 (406) 13,794 (431)  GNMA - - 926 (36) 926 (36)  SBA - - 9,133 (299) 9,133 (299)  CMO - - 23,127 (1,055) 23,127 (1,055)  Total mortgage-backed securities $ 4,532 $ (46) $ 68,752 $ (2,504) $ 73,284 $ (2,550)   Held to Maturity:  Debt securities:  States and political subdivisions $ 156 $ - $ 722 $ (22) $ 878 $ (22)   Total temporarily impaired  securities $ 19,837 $ (110) $ 97,511 $ (3,197) $ 117,348 $ (3,307)   Management has assessed the securities available for sale in an unrealized loss position at December 31, 2019 and 2018 and determined the decline in fair value below amortized cost to be temporary. In making this determination, management considered the period of time the securities were in a loss position, the percentage decline in comparison to the securities’ amortized cost, and the financial condition of the issuer (primarily government or government-sponsored enterprises). In addition, management does not intend to sell these securities and it is not more likely than not that the Company will be required to sell these securities before recovery of their amortized cost. Management believes the decline in fair value is primarily related to market interest rate fluctuations and not to the credit deterioration of the individual issuers. The Company holds no securities backed by sub-prime or Alt-A residential mortgages or commercial mortgages and also does not hold any trust-preferred securities.  The Company did not record any other-than-temporary impairment charges in 2019, 2018, or 2017. The credit worthiness of the Company’s portfolio is largely reliant on the ability of U.S. government agencies such as the Federal Home Loan Bank (“FHLB”), Federal National Mortgage Association (“FNMA”), and the Federal Home Loan Mortgage Corporation (“FHLMC”), and municipalities throughout New York State to meet their obligations. In addition, dysfunctional markets could materially alter the liquidity, interest rate, and pricing risk of the portfolio. The stable past performance is not a guarantee for similar performance going forward.

Loans And The Allowance For Loa

Loans And The Allowance For Loan Losses	12 Months Ended
	Dec. 31, 2019
Loans And The Allowance For Loan Losses [Abstract]
Loans And The Allowance For Loan Losses	3. LOANS AND THE ALLOWANCE FOR LOAN LOSSES  Major categories of loans at December 31, 2019 and 2018 are summarized as follows:    December 31, 2019 December 31, 2018  Mortgage loans on real estate: (in thousands)  Residential mortgages $ 158,572 $ 158,404  Commercial and multi-family 645,036 592,507  Construction-Residential 1,067 113  Construction-Commercial 97,848 105,196  Home equities 69,351 70,546  Total real estate loans 971,874 926,766   Commercial and industrial loans 251,197 226,057  Consumer and other loans 1,926 1,520  Net deferred loan origination costs 1,534 1,587  Total gross loans 1,226,531 1,155,930   Allowance for loan losses (15,175) (14,784)   Loans, net $ 1,211,356 $ 1,141,146   Residential Mortgages : The Company originates adjustable-rate and fixed-rate, one-to-four-family residential real estate loans for the construction, purchase, or refinancing of a mortgage. These loans are collateralized by owner-occupied properties located in the Company’s market area and are amortized over a period of 10 to 30 years. Loans on one-to-four-family residential real estate are mostly originated in amounts of no more than 80% of the property’s appraised value or have private mortgage insurance. Mortgage title insurance and hazard insurance are normally required. Construction loans have a unique risk, because they are secured by an incomplete dwelling.  The Bank, in its normal course of business, sells certain residential mortgages which it originates to FNMA. The Company maintains servicing rights on the loans that it sells to FNMA and earns a fee thereon. The Bank determines with each origination of residential real estate loans which desired maturities, within the context of overall maturities in the loan portfolio, provide the appropriate mix to optimize the Bank’s ability to absorb the corresponding interest rate risk within the Company’s tolerance ranges. This practice allows the Company to manage interest rate risk, liquidity risk, and credit risk. At December 31, 2019 and 2018, the Company had approximately $76 million and $73 million, respectively, in unpaid principal balances of loans that it services for FNMA. For the years ended December 31, 2019 and 2018, the Company sold $13 million and $4 million, respectively, in loans to FNMA and realized gains on those sales of $ 0.2 million and less than $0.1 million, respectively. Gains or losses recognized upon the sale of loans are determined on a specific identification basis. The Company had a related asset carried at fair value of approximately $0.6 million for the servicing portfolio rights at December 31, 2019 and 2018. There were $0.7 million and $0.4 million in loans held for sale at December 31, 2019 and 2018, respectively. Loans held for sale are typically in the portfolio for less than a month. As a result, the carrying value approximates fair value. The Company has never been contacted by FNMA to repurchase any loans due to improper documentation or fraud.  Due to the lack of significant foreclosure activity and absence of any ongoing litigation at December 31, 2019 and 2018, the Company had no accrual for loss contingencies or potential costs associated with foreclosure-related activities at those dates.  Commercial and Multi-Family Mortgages and Commercial Construction Loans : Commercial real estate loans are made to finance the purchases of real estate with completed structures or in the midst of being constructed. These commercial real estate loans are secured by first liens on the real estate, which may include apartments, hotels, retail stores or plazas, healthcare facilities, and other non-owner-occupied facilities. These loans are generally less risky than commercial and industrial loans since they are secured by real estate and buildings. The Company offers commercial mortgage loans with up to an 80% LTV ratio for up to 20 years on a variable and fixed rate basis. Many of these mortgage loans either mature or are subject to a rate call after three to five years. The Company’s underwriting analysis includes credit verification, independent appraisals, a review of the borrower's financial condition, and the underlying cash flows. Construction loans have a unique risk, because they are secured by an incomplete dwelling.  As of December 31, 2019, there were $407 million in residential and commercial mortgage loans pledged to FHLBNY to serve as collateral for potential borrowings.  Home Equities : The Company originates home equity lines of credit and second mortgage loans (loans secured by a second lien position on one-to-four-family residential real estate). These loans carry a higher risk than first mortgage residential loans because they are in a second position with respect to collateral. Risk is reduced through underwriting criteria, which include credit verification, appraisals, a review of the borrower's financial condition, and personal cash flows. A security interest, with title insurance when necessary, is taken in the underlying real estate.  Commercial and Industrial Loans: These loans generally include term loans and lines of credit. Such loans are made available to businesses for working capital (including inventory and receivables), business expansion (including acquisition of real estate, expansion, and improvements) and equipment purchases. As a general practice, a collateral lien is placed on equipment or other assets owned by the borrower. These loans generally carry a higher risk than commercial real estate loans based on the nature of the underlying collateral, which can be business assets such as equipment and accounts receivable. To reduce the risk, management also attempts to secure real estate as collateral and obtain personal guarantees of the borrowers. To further reduce risk and enhance liquidity, these loans generally carry variable rates of interest, re-pricing in three - to five -year periods, and have a maturity of five years or less. Lines of credit generally carry floating rates of interest (e.g. prime plus a margin).  Consumer Loans : The Company funds a variety of consumer loans, including direct automobile loans, recreational vehicle loans, boat loans, home improvement loans, and personal loans (collateralized and uncollateralized). Most of these loans carry a fixed rate of interest with principal repayment terms typically ranging up to five years, based upon the nature of the collateral and the size of the loan. The majority of consumer loans are underwritten on a secured basis using the underlying collateral being financed. A minimal amount of loans are unsecured, which carry a higher risk of loss. These loans included overdrawn deposit accounts classified as loans of $0.3 million at December 31, 2019 and less than $0.1 million at December 31, 2018.  The Company maintains an allowance for loan losses in order to capture the probable losses inherent in its loan portfolio. There is a risk that the Company may experience significant loan losses in 2020 and beyond which could exceed the allowance for loan losses. If the Company's assumptions and judgments prove to be incorrect or bank regulators require the Company to increase its provision for loan losses or recognize further loan charge-offs, the Company may have to increase its allowance for loan losses or loan charge-offs which could have a material adverse effect on the Company's operating results and financial condition. There can be no assurance that the Company's allowance for loan losses will be adequate to protect the Company against loan losses that it may incur.  Changes in the allowance for loan losses for the years ended December 31, 2019, 2018 and 2017 follow:       2019 2018 2017  (in thousands)  Balance, beginning of year $ 14,784 $ 14,019 $ 13,916  Provisions for loan losses 75 1,402 738  Recoveries 841 54 350  Charge-offs (525) (691) (985)  Balance, end of year $ 15,175 $ 14,784 $ 14,019   The following tables summarize the allowance for loan losses, as of December 31, 2019 and 2018, respectively, by portfolio segment. The segments presented are at the level management uses to assess and monitor the risk and performance of the portfolio.       2019   (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total  Allowance for loan  losses:  Beginning balance $ 4,368 $ 8,844 $ 106 $ 1,121 $ 345 $ 14,784  Charge-offs (301) (33) (156) (13) (22) (525)  Recoveries 797 2 42 - - 841  Provision (Credit) (317) 192 163 (37) 74 75  Ending balance $ 4,547 $ 9,005 $ 155 $ 1,071 $ 397 $ 15,175   Allowance for loan  losses:  Ending balance:  Individually evaluated  for impairment $ 442 $ 9 $ 21 $ 5 $ - $ 477  Collectively evaluated  for impairment 4,105 8,996 134 1,066 397 14,698  Total $ 4,547 $ 9,005 $ 155 $ 1,071 $ 397 $ 15,175   Loans:  Ending balance:  Individually evaluated  for impairment $ 6,558 $ 7,791 $ 21 $ 2,804 $ 1,453 $ 18,627  Collectively evaluated  for impairment 244,639 735,093 1,905 156,835 67,898 1,206,370  Total $ 251,197 $ 742,884 $ 1,926 $ 159,639 $ 69,351 $ 1,224,997   N ote : Loan balances do not include $ 1. 5 million in net deferred loan origination costs as of December 31, 2019. * includes construction loans       2018   (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total  Allowance for loan  losses:  Beginning balance $ 5,204 $ 7,409 $ 109 $ 950 $ 347 $ 14,019  Charge-offs (203) (262) (113) (86) (27) (691)  Recoveries 41 - 12 - 1 54  Provision (Credit) (674) 1,697 98 257 24 1,402  Ending balance $ 4,368 $ 8,844 $ 106 $ 1,121 $ 345 $ 14,784   Allowance for loan  losses:  Ending balance:  Individually evaluated  for impairment $ 249 $ 716 $ 23 $ 85 $ - $ 1,073  Collectively evaluated  for impairment 4,119 8,128 83 1,036 345 13,711  Total $ 4,368 $ 8,844 $ 106 $ 1,121 $ 345 $ 14,784   Loans:  Ending balance:  Individually evaluated  for impairment $ 3,701 $ 15,290 $ 23 $ 2,814 $ 1,887 $ 23,715  Collectively evaluated  for impairment 222,356 682,413 1,497 155,703 68,659 1,130,628  Total $ 226,057 $ 697,703 $ 1,520 $ 158,517 $ 70,546 $ 1,154,343   Note : Loan balances do not include $1. 6 million in net deferred loan origination costs as of December 31, 2018. * includes construction loans   A description of the Company’s accounting policies and the methodology used to estimate the allowance for loan losses, including a description of the factors considered in determining the allowance for loan losses, such as historical losses and existing economic conditions, is included in Note 1 to these Consolidated Financial Statements.  The following table provides data, at the class level, of credit quality indicators of certain loans, as of December 31, 2019 and 2018, respectively:      2019  (in thousands)  Corporate Credit Exposure – By Credit Rating Commercial Real Estate Construction Commercial and Multi-Family Mortgages Total Commercial Real Estate Commercial and Industrial  Acceptable or better $ 73,646 $ 451,297 $ 524,943 $ 165,255  Watch 13,380 171,277 184,657 68,665  Special Mention 8,359 15,725 24,084 7,631  Substandard 2,463 6,737 9,200 9,646  Doubtful/Loss - - - -  Total $ 97,848 $ 645,036 $ 742,884 $ 251,197      2018  (in thousands)  Corporate Credit Exposure – By Credit Rating Commercial Real Estate Construction Commercial and Multi-Family Mortgages Total Commercial Real Estate Commercial and Industrial  Acceptable or better $ 65,932 $ 466,294 $ 532,226 $ 155,687  Watch 30,628 109,409 140,037 57,366  Special Mention - 10,583 10,583 4,105  Substandard 8,636 6,221 14,857 8,870  Doubtful/Loss - - - 29  Total $ 105,196 $ 592,507 $ 697,703 $ 226,057  The Company’s risk ratings are monitored by the individual relationship managers and changed as deemed appropriate after receiving updated financial information from the borrowers or deterioration or improvement in the performance of a loan is evident in the customer’s payment history. Each commercial relationship is individually assigned a risk rating. The Company also maintains a loan review process that monitors the management of the Company’s commercial loan portfolio by the relationship managers. The Company’s loan review function reviews at least 40% of the commercial loan portfolio annually.  The Company’s consumer loans, including residential mortgages and home equity loans and lines of credit, are not individually risk rated or reviewed as part of the Company’s loan review process. Unlike commercial customers, consumer loan customers are not required to provide the Company with updated financial information. Consumer loans also carry smaller dollar balances. Given the lack of updated information since the initial underwriting of the loan and the small size of individual loans, the Company uses delinquency status as the primary credit quality indicator for consumer loans. Once a consumer loan reaches 60 days past due, management orders an independent appraisal of the underlying collateral and produces a credit report on the borrower. After discounting for potential selling costs and other factors specific to the property or borrower, the book value of the loan is then compared to the collateral value as determined by the appraisal. In situations where the Company holds a junior lien, management accounts for the amount of the senior liens held by other lenders, and the collateral value is more heavily discounted to account for the increased risk. If the loan is ultimately determined to be impaired, it is placed in non-accrual status. Unless the loan is well secured and in the process of collection, all consumer loans that are more than 90 days past due are placed in non-accrual status.  A summary of current, past due, and nonaccrual loans as of December 31, 2019 and 2018 follows:     2019  (in thousands)   Current Non-accruing Total  Balance 30-59 days 60-89 days 90+ days Loans Balance   Commercial and industrial $ 245,658 $ 705 $ - $ - $ 4,834 $ 251,197  Residential real estate:  Residential 153,630 2,616 888 - 1,438 158,572  Construction 865 - 202 - - 1,067  Commercial real estate:  Commercial 630,016 3,482 5,879 - 5,659 645,036  Construction 92,667 2,886 720 - 1,575 97,848  Home equities 67,868 354 239 - 890 69,351  Consumer and other 1,907 15 4 - - 1,926  Total Loans $ 1,192,611 $ 10,058 $ 7,932 $ - $ 14,396 $ 1,224,997        2018  (in thousands)   Current Non-accruing Total  Balance 30-59 days 60-89 days 90+ days Loans Balance   Commercial and industrial $ 217,625 $ 6,173 $ 565 $ - $ 1,694 $ 226,057  Residential real estate:  Residential 154,063 2,546 332 - 1,463 158,404  Construction 113 - - - - 113  Commercial real estate:  Commercial 582,016 4,546 - - 5,945 592,507  Construction 95,204 1,027 329 - 8,636 105,196  Home equities 69,094 123 76 - 1,253 70,546  Consumer and other 1,514 5 1 - - 1,520  Total Loans $ 1,119,629 $ 14,420 $ 1,303 $ - $ 18,991 $ 1,154,343   The following table provides data, at the class level, of impaired loans:      At December 31, 2019  Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized  With no related allowance recorded: (in thousands)  Commercial and industrial $ 3,798 $ 4,112 $ - $ 4,046 $ 118 $ 143  Residential real estate:  Residential 2,744 3,003 - 2,823 73 63  Construction - - - - - -  Commercial real estate:  Commercial 6,019 6,521 - 6,293 225 72  Construction 1,335 1,352 - 1,344 23 50  Home equities 1,453 1,687 - 1,525 64 30  Consumer and other - - - - - -  Total impaired loans $ 15,349 $ 16,675 $ - $ 16,031 $ 503 $ 358      At December 31, 2019  Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized  With a related allowance recorded: (in thousands)  Commercial and industrial $ 2,760 $ 2,808 $ 442 $ 2,764 $ 109 $ 63  Residential real estate:  Residential 60 62 5 61 3 1  Construction - - - - - -  Commercial real estate:  Commercial 197 197 4 197 8 4  Construction 240 246 5 242 8 9  Home equities - - - - - -  Consumer and other 21 23 21 22 - 1  Total impaired loans $ 3,278 $ 3,336 $ 477 $ 3,286 $ 128 $ 78      At December 31, 2019  Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized  Total: (in thousands)  Commercial and industrial $ 6,558 $ 6,920 $ 442 $ 6,810 $ 227 $ 206  Residential real estate:  Residential 2,804 3,065 5 2,884 76 64  Construction - - - - - -  Commercial real estate:  Commercial 6,216 6,718 4 6,490 233 76  Construction 1,575 1,598 5 1,586 31 59  Home equities 1,453 1,687 - 1,525 64 30  Consumer and other 21 23 21 22 - 1  Total impaired loans $ 18,627 $ 20,011 $ 477 $ 19,317 $ 631 $ 436       At December 31, 2018  Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized  With no related allowance recorded: (in thousands)  Commercial and industrial $ 1,633 $ 2,611 $ - $ 1,785 $ 116 $ 65  Residential real estate:  Residential 2,289 2,483 - 2,337 45 69  Construction - - - - - -  Commercial real estate:  Commercial 6,538 6,914 - 6,733 220 115  Construction 116 116 - 143 - 12  Home equities 1,887 2,058 - 1,952 71 43  Consumer and other - - - - - -  Total impaired loans $ 12,463 $ 14,182 $ - $ 12,950 $ 452 $ 304     At December 31, 2018  Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized  With a related allowance recorded: (in thousands)  Commercial and industrial $ 2,068 $ 2,095 $ 249 $ 2,098 $ 17 $ 125  Residential real estate:  Residential 525 556 85 520 22 3  Construction - - - - - -  Commercial real estate:  Commercial - - - - - -  Construction 8,636 8,975 716 8,793 379 113  Home equities - - - - - -  Consumer and other 23 27 23 23 - 2  Total impaired loans $ 11,252 $ 11,653 $ 1,073 $ 11,434 $ 418 $ 243      At December 31, 2018  Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized  Total: (in thousands)  Commercial and industrial $ 3,701 $ 4,706 $ 249 $ 3,883 $ 133 $ 190  Residential real estate:  Residential 2,814 3,039 85 2,857 67 72  Construction - - - - - -  Commercial real estate:  Commercial 6,538 6,914 - 6,733 220 115  Construction 8,752 9,091 716 8,936 379 125  Home equities 1,887 2,058 - 1,952 71 43  Consumer and other 23 27 23 23 - 2  Total impaired loans $ 23,715 $ 25,835 $ 1,073 $ 24,384 $ 870 $ 547   There were $ 1 5.3 million and $ 12.5 million in impaired loans with no related allowance at December 31, 2019 and 2018, respectively. As management identifies impaired loans that are collateral dependent, new appraisals are ordered to determine the fair value of the collateral. It should also be noted that when estimating the fair value of collateral for the purpose of performing an impairment test, management further reduces the appraised value of the collateral to account for estimated selling or carrying costs, age of the appraisal, if applicable, or any other perceived market or borrower-specific risks to the value of the collateral.  The interest income in the preceding table was interest income recognized on accruing TDRs and interest paid prior to loans being identified as non-accrual. The interest income foregone in the preceding table represents interest income that the Company did not recognize on those loans while they were on non-accrual.  The Bank had no loan commitments to borrowers in non-accrual status at December 31, 2019 and 2018.   Troubled debt restructurings (“TDRs”)  The following tables summarize the loans that were classified as troubled debt restructurings as of the dates indicated:      December 31, 2019  (in thousands)  Total Nonaccruing Accruing Related Allowance  Commercial and industrial $ 2,052 $ 328 $ 1,724 $ 26  Residential real estate:  Residential 1,815 449 1,366 -  Construction - - - -  Commercial real estate:  Commercial and multi-family 3,632 3,075 557 -  Construction - - - -  Home equities 738 175 563 -  Consumer and other 21 - 21 21  Total TDR loans $ 8,258 $ 4,027 $ 4,231 $ 47       December 31, 2018  (in thousands)  Total Nonaccruing Accruing Related Allowance  Commercial and industrial $ 2,282 $ 275 $ 2,007 $ 154  Residential real estate:  Residential 1,617 266 1,351 14  Construction - - - -  Commercial real estate:  Commercial and multi-family 4,164 3,571 593 -  Construction 8,753 8,637 116 716  Home equities 756 122 634 -  Consumer and other 23 - 23 23  Total TDR loans $ 17,595 $ 12,871 $ 4,724 $ 907   Any TDR that is placed on non-accrual is not reverted back to accruing status until the borrower makes timely payments as contracted for at least six months and future collection under the revised terms is probable. All of the Company’s restructurings were allowed in an effort to maximize its ability to collect on loans where borrowers were experiencing financial difficulty.  The reserve for a TDR is based upon the present value of the future expected cash flows discounted at the loan’s original effective interest rate or upon the fair value of the collateral less costs to sell, if the loan is deemed collateral dependent. This reserve methodology is used because all TDR loans are considered impaired. As of December 31, 2019, there were no commitments to lend additional funds to debtors owing on loans whose terms have been modified in TDRs.  The Company’s TDRs have various agreements that involve deferral of principal payments, or interest-only payments, for a period (usually 12 months or less) to allow the borrower time to improve cash flow or sell the property. Other common concessions leading to the designation of a TDR are lines of credit that are termed-out and/or extensions of maturities at rates that are less than the prevailing market rates given the risk profile of the borrower.  The following tables show the data for TDR activity by type of concession granted to the borrower during 2019 and 2018:       Year ended December 31, 2019 Year ended December 31, 2018  (Recorded Investment in thousands) (Recorded Investment in thousands)  Troubled Debt Restructurings by Type of Concession Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment   Commercial and Industrial:  Extension of maturity 2 $ 189 $ 189 2 $ 1,651 $ 1,651  Term-out line of credit 1 42 42 1 29 29  Combination of concessions - - - 1 63 63  Residential Real Estate & Construction:  Extension of maturity - - - 1 156 156  Extension of maturity and  interest rate reduction 3 307 307 - - -  Commercial Real Estate & Construction:  Deferral of principal - - - 1 8,768 8,768  Extension of maturity - - - 1 181 181  Combination of concessions - - - 1 154 154  Home Equities:  Deferral of principal - - - 1 100 100  Extension of maturity and  interest rate reduction 3 390 390 - - -  Combination of concessions 1 54 54 - - -  Consumer and other loans - - - - - -  Modifications made to loans in a troubled debt restructuring did not have a material impact on the Company’s net income for the years ended December 31, 2019 and 2018. All of the C&I and commercial real estate TDRs were already considered impaired and sufficiently reserved for prior to being identified as a TDR.  The general practice of the Bank is to work with borrowers so that they are able to repay their loan in full. If a borrower continues to be delinquent or cannot meet the terms of a TDR and the loan is determined to be uncollectible, the loan will be charged-off to its collateral value. A loan is considered in default when the loan is 90 days past due. Loans which were classified as TDRs during the preceding twelve months and which subsequently defaulted during the twelve-month periods ended December 31, 2019 and 2018 were not material.   

Properties And Equipment

Properties And Equipment	12 Months Ended
	Dec. 31, 2019
Properties And Equipment [Abstract]
Properties And Equipment	 4. PROPERTIES AND EQUIPMENT  Properties and equipment at December 31 were as follows:     2019 2018  (in thousands)  Land $ 268 $ 268  Buildings and improvements 13,261 13,258  Furniture, fixtures, and equipment 17,219 16,375  Construction in progress 3,688 -  34,436 29,901  Less accumulated depreciation (20,682) (19,416)  Properties and equipment, net $ 13,754 $ 10,485  Construction in progress at December 31, 2019 relates to the Company’s planned relocation to a new corporate headquarters in 2020.  Depreciation expense totaled $1.3 million in 2019 and $1.2 million in 2018 and 2017.

Other Assets

Other Assets	12 Months Ended
	Dec. 31, 2019
Other Assets [Abstract]
Other Assets	5. OTHER ASSETS  Other assets at December 31 were as follows:      2019 2018  (in thousands)  Net deferred tax asset $ 3,957 $ 4,417  Accrued interest receivable 4,606 4,594  State historic tax credit receivable 1,969 1,854  Prepaid expenses 1,367 1,451  Mortgage servicing rights 555 609  Historic tax credit investments 1,222 1,243  Accounts receivable 2,111 3,002  Other 941 904  Total other assets $ 16,728 $ 18,074   

Goodwill And Intangible Assets

Goodwill And Intangible Assets	12 Months Ended
	Dec. 31, 2019
Goodwill and Intangible Assets [Abstract]
Goodwill And Intangible Assets	6. GOODWILL AND INTANGIBLE ASSETS  The Company had $10.5 million in goodwill at December 31, 2019 and 2018. The entire amount of goodwill is within the insurance agency activities segment. The Company measures the fair value of the insurance agency reporting unit annually, as of December 31, utilizing market value earnings before interest, taxes, depreciation, and amortization (“EBITDA”) multiples based on industry data and cash flow modeling. When using the cash flow models, management considered historical information, the operating budget for 2020, economic and insurance market cycles, and strategic goals in projecting net income and cash flows for the next five years. The value based on EBITDA was higher than the value calculated using cash flow modeling, a result of growth assumptions used by the Company in the cash flow model as well as an implied control premium in the multiple. The multiple used was based on industry data and consistent with the previous year’s assumption.  The fair value determined in the impairment test was substantially higher than the carrying value for TEA. Management used growth rates that are achievable over the long run through both soft and hard insurance cycles. Including the impact of the 2018 R&S acquisition, TEA’s total revenue increased by 17.5% in 2019. No impairment was recognized as a result of the goodwill impairment test s performed as of December 31, 2019 and 2018.   TEA purchased the assets of Richardson and Stout Inc. (“R&S”), an insurance agency in Wellsville, NY, on July 1, 2018, A.M. Smith Group, Inc., an insurance agency in Lockport, NY, on December 31, 2016 and Mietus Agency, an insurance agency in Derby, NY on January 1, 2017. Intangible assets related to those acquisitions are reflected in the table below:     2019 Gross Carrying Amount Accumulated Amortization Net Weighted Avg Amortization Period  (in thousands)   Insurance expirations $ 2,865 $ (840) $ 2,025 5 years      2018 Gross Carrying Amount Accumulated Amortization Net Weighted Avg Amortization Period  (in thousands)   Insurance expirations $ 2,865 $ (393) $ 2,472 6 years   Amortization expense related to intangibles for the years ended December 31, 2019, 2018, and 2017 was $0.4 million, $0.3 million, and $0.1 million, respectively. Estimated amortization expense for each of the four succeeding fiscal years is as follows:       Year Ending December 31 Amount  (in thousands)  2020 $ 447  2021 447  2022 334  2023 325  2024 - 2025 472  $ 2,025 

Deposits

Deposits	12 Months Ended
	Dec. 31, 2019
Deposits [Abstract]
Deposits	7. DEPOSITS  Time deposits of $250 thousand and over, excluding brokered deposits, totaled $58.0 million and $59.5 million at December 31, 2019 and 2018, respectively. Brokered time deposits totaled $27.2 million and $41.0 million at December 31, 2019 and 2018, respectively. There were overdrawn deposit accounts classified as loans of $0.3 million and less than $0.1 million at December 31, 2019 and 2018, respectively.  At December 31, 2019, the scheduled maturities of all time deposits were as follows:    (in thousands)  2020 $ 208,728  2021 47,227  2022 10,101  2023 8,829  2024 1,042  $ 275,927 

Borrowed Funds And Junior Subor

Borrowed Funds And Junior Subordinated Debentures	12 Months Ended
	Dec. 31, 2019
Borrowed Funds And Junior Subordinated Debentures [Abstract]
Borrowed Funds And Junior Subordinated Debentures	 8. BORROWED FUNDS AND JUNIOR SUBORDINATED DEBENTURES  Other borrowings at December 31, 2019 consist of a $10 million advance from the FHLB with a fixed interest rate of 1.73% that matures in 2020 .   The Bank has the ability to borrow additional funds from the FHLB based on the securities or real estate loans that can be used as collateral and to purchase additional federal funds through one of the Bank’s correspondent banks. Given the current collateral available, additional advances of up to $198 million can be drawn on the FHLB via the Bank’s Overnight Line of Credit Agreement. The Bank also has the ability to purchase up to $ 8 million in federal funds from its correspondent banks.  As a member of the Federal Home Loan Bank System, the Bank is required to hold stock in FHLBNY. The Bank held FHLBNY stock with a carrying value of $1.6 million and $1.5 million as of December 31, 2019 and December 31, 2018, respectively.  The amounts and interest rates of other borrowed funds were as follows:     FHLB Overnight Line of Credit FHLB Advances Total Other Borrowings  (in thousands)  At December 31, 2019  Amount outstanding $ - $ 10,000 $ 10,000  Weighted-average interest rate - % 1.73 % 1.73 %   For the year ended December 31, 2019  Highest amount at a month end $ - $ 10,000  Daily average amount outstanding $ 11 $ 10,000 $ 10,011  Weighted-average interest rate 2.70 % 1.73 % 1.73 %   At December 31, 2018  Amount outstanding $ - $ 10,000 $ 10,000  Weighted-average interest rate - % 1.73 % 1.73 %   For the year ended December 31, 2018  Highest amount at a month end $ 78,900 $ 10,000  Daily average amount outstanding $ 20,981 $ 10,000 $ 30,981  Weighted-average interest rate 1.76 % 1.73 % 1.75 %   At December 31, 2017  Amount outstanding $ 78,250 $ 10,000 $ 88,250  Weighted-average interest rate 1.53 % 1.73 % 1.55 %   For the year ended December 31, 2017  Highest amount at a month end $ 78,250 $ 10,000  Daily average amount outstanding $ 16,491 $ 10,000 $ 26,491  Weighted-average interest rate 1.36 % 1.73 % 1.50 %  On October 1, 2004 , Evans Capital Trust I, a statutory business trust wholly-owned by the Company (the “Trust”), issued $11.0 million in aggregate principal amount of floating rate preferred capital securities due November 23, 2034 (the “Capital Securities”) and $0.3 million of common securities (the “Common Securities”). The Capital Securities represent preferred undivided interests in the assets of the Trust. Under the Federal Reserve Board’s current risk-based capital guidelines, the Capital Securities are includable in the Company’s Tier 1 (Core) capital. The Common Securities are wholly-owned by the Company and are the only class of the Trust’s securities possessing general voting powers.  The Capital Securities have a distribution rate of three-month LIBOR plus 2.65% , and the distribution dates are February 23, May 23, August 23, and November 23. The distribution rate was 4.56% at December 31, 2019.  The proceeds from the issuances of the Capital Securities and Common Securities were used by the Trust to purchase $11.3 million in aggregate liquidation amount of floating rate junior subordinated deferrable interest debentures (“Junior Subordinated Debentures”) of the Company, due October 1, 2037 , which are comprised of $11.0 million of Capital Securities and $0.3 million of Common Securities. The $0.3 million of Common Securities represent the initial capital contribution of the Company to the Trust, which have not been consolidated and are included in “Other Assets” on the consolidated balance sheet.  The Junior Subordinated Debentures represent the sole assets of the Trust, and payments under the Junior Subordinated Debentures are the sole source of cash flow for the Trust. The interest rate payable on the Junior Subordinated Debentures was 4.56% at December 31, 2019.  Holders of the Capital Securities receive preferential cumulative cash distributions on each distribution date at the stated distribution rate, unless the Company exercises its right to extend the payment of interest on the Junior Subordinated Debentures for up to twenty quarterly periods, in which case payment of distributions on the respective Capital Securities will be deferred for comparable periods. During an extended interest period, in accordance with terms as defined in the indenture relating to the Capital Securities, the Company may not pay dividends or distributions on, or repurchase, redeem, or acquire any shares of its capital stock. The agreements governing the Capital Securities, in the aggregate, provide a full, irrevocable, and unconditional guarantee by the Company of the payment of distributions on, the redemption of, and any liquidation distribution with respect to the Capital Securities. The obligations under such guarantee and the Capital Securities are subordinate and junior in right of payment to all senior indebtedness of the Company.  The Capital Securities will remain outstanding until the Junior Subordinated Debentures are repaid at maturity, are redeemed prior to maturity, or are distributed in liquidation to the Trust. The Capital Securities are mandatorily redeemable in whole, but not in part, upon repayment at the stated maturity dates of the Junior Subordinated Debentures or the earlier redemption of the Junior Subordinated Debentures in whole upon the occurrence of one or more events (“Events”) set forth in the indentures relating to the Capital Securities, and in whole or in part at any time contemporaneously with the optional redemption of the related Junior Subordinated Debentures in whole or in part. The Junior Subordinated Debentures are redeemable prior to their stated maturity dates at the Company’s option: (i) on or after the stated optional redemption dates, in whole at any time, or in part from time to time; or (ii) in whole, but not in part, at any time within 90 days following the occurrence and during the continuation of one or more of the Events, in each case subject to possible regulatory approval. The redemption price of the Capital Securities and the related Junior Subordinated Debentures upon early redemption would be at the liquidation amount plus accumulated but unpaid distributions.

Securities Sold Under Agreement

Securities Sold Under Agreements To Repurchase	12 Months Ended
	Dec. 31, 2019
Securities Sold Under Agreements To Repurchase [Abstract]
Securities Sold Under Agreements To Repurchase	9. SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE  The Bank enters into agreements with customers to sell securities owned by the Bank to the customers and repurchase the identical security, within one business day. No physical movement of the securities is involved. The Bank had $2.4 million and $ 3.1 million in securities sold under agreement to repurchase at December 31, 2019 and 2018, respectively.

Comprehensive Income (Loss)

Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2019
Comprehensive Income (Loss) [Abstract]
Comprehensive Income (Loss)	 10. COMPREHENSIVE INCOME (LOSS)  The following tables display the components of other comprehensive income (loss), net of tax:    Balance at December 31, 2018 Net Change Balance at December 31, 2019  (in thousands)  Net unrealized (loss) gain on investment securities $ (2,348) $ 2,870 $ 522  Net defined benefit pension plan adjustments (3,005) (100) (3,105)  Total $ (5,353) $ 2,770 $ (2,583)      Balance at December 31, 2017 Net Change Balance at December 31, 2018  (in thousands)  Net unrealized loss on investment securities $ (1,049) $ (1,299) $ (2,348)  Net defined benefit pension plan adjustments (2,368) (637) (3,005)  Total $ (3,417) $ (1,936) $ (5,353)      Balance at December 31, 2016 Net Change Balance at December 31, 2017  (in thousands)  Net unrealized loss on investment securities $ (365) $ (684) $ (1,049)  Net defined benefit pension plan adjustments (2,059) (309) (2,368)  Total $ (2,424) $ (993) $ (3,417)     December 31, 2019 (in thousands)  Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount  Unrealized loss on investment securities:  Unrealized gain (loss) on investment securities $ 3,875 $ (1,005) $ 2,870   Defined benefit pension plans adjustments:  Net actuarial (loss) gain $ (581) $ 212 $ (369)  Reclassifications from accumulated other  comprehensive income for gains (losses)  Amortization of prior service cost (a) 32 (9) 23  Amortization of actuarial loss (a) 332 (86) 246  Net change (217) 117 (100)   Other Comprehensive Income (Loss) $ 3,658 $ (888) $ 2,770   (a) Included in net periodic pension cost as described in Note 11 – “Employee Benefits and Deferred Compensation Plans”         December 31, 2018 (in thousands)  Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount  Unrealized loss on investment securities:  Unrealized (loss) gain on investment securities $ (1,756) $ 457 $ (1,299)   Defined benefit pension plans adjustments:  Net actuarial gain (loss) $ (987) $ 196 $ (791)  Reclassifications from accumulated other  comprehensive income for gains (losses)  Amortization of prior service cost (a) 31 (5) 26  Amortization of actuarial loss (a) 169 (41) 128  Net change (787) 150 (637)   Other Comprehensive Income (Loss) $ (2,543) $ 607 $ (1,936)  (a) Included in net periodic pension cost as described in Note 11 – “Employee Benefits and Deferred Compensation Plans ”     December 31, 2017 (in thousands)  Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Tax effect reclass due to TCJA Total Net Change  Unrealized loss on investment securities:  Unrealized (loss) gain on investment securities $ (826) $ 319 $ (507) $ (177) $ (684)   Defined benefit pension plans adjustments:  Net actuarial gain (loss) $ (30) $ 11 $ (19)  Reclassifications from accumulated other  comprehensive income for gains (losses)  Amortization of prior service cost (a) 31 (4) 27  Amortization of actuarial loss (a) 173 (36) 137  Net change 174 (29) 145 (454) (309)   Other Comprehensive Income (Loss) $ (652) $ 290 $ (362) $ (631) $ (993)  (a) Included in net periodic pension cost as described in Note 11 – “Employee Benefits and Deferred Compensation Plans”

Employee Benefits And Deferred

Employee Benefits And Deferred Compensation Plans	12 Months Ended
	Dec. 31, 2019
Employee Benefits And Deferred Compensation Plans [Abstract]
Employee Benefits And Deferred Compensation Plans	 11. EMPLOYEE BENEFITS AND DEFERRED COMPENSATION PLANS  Employees’ Pension Plan The Bank has a defined benefit pension plan that covered substantially all employees of the Company and its subsidiaries (the “Pension Plan”). The Pension Plan provides benefits that are based on the employees’ compensation and years of service. The Bank uses an actuarial method of amortizing prior service cost and unrecognized net gains or losses which result from actual experience and assumptions being different than those that are projected. The amortization method the Bank uses recognizes the prior service cost and net gains or losses over the average remaining service period of active employees which exceeds the required amortization. The Pension Plan was frozen effective January 31, 2008. Under the freeze, eligible employees will receive the benefits already earned through January 31, 2008 at retirement, but will not be able to accrue any additional benefits. As a result, service cost will no longer be incurred.  Selected Financial Information for the Pension Plan is as follows:      12/31/2019 12/31/2018  Change in benefit obligation: (in thousands)  Benefit obligation at the beginning of the year $ 5,390 $ 5,842  Service cost - -  Interest cost 223 205  Assumption change 978 (491)  Actuarial (gain) loss 38 50  Benefits paid (227) (216)  Benefit obligation at the end of the year 6,402 5,390   Change in plan assets:  Fair value of plan assets at the beginning of year 5,180 5,787  Actual return on plan assets 1,091 (391)  Employer contributions - -  Benefits paid (227) (216)  Fair value of plan assets at the end of year 6,044 5,180   Funded status $ (358) $ (210)   Amount recognized in the Consolidated Balance Sheets consist of:  Accrued benefit liabilities $ (358) $ (210)  Amount recognized in the Accumulated Other Comprehensive Loss consists of:  Net actuarial loss $ 2,477 $ 2,372  Prior service cost - -  Net amount recognized in equity - pre-tax $ 2,477 $ 2,372   Accumulated benefit obligation at year end $ 6,402 $ 5,390   Assumptions used by the Bank in the determination of Pension Plan information consisted of the following:       2019 2018 2017  Discount rate for projected benefit obligation 3.20 % 4.20 % 3.55 %  Discount rate for net periodic pension cost 4.20 % 3.55 % 3.95 %  Rate of increase in compensation levels - % - % - %  Expected long-term rate of return of plan assets 5.50 % 5.50 % 6.50 %  The components of net periodic benefit cost consisted of the following:       2019 2018 2017  (in thousands)  Service cost $ - $ - $ -  Interest cost 223 205 216  Expected return on plan assets (278) (312) (275)  Net amortization and deferral 98 83 92  Net periodic benefit cost $ 43 $ (24) $ 33  The components of net periodic benefit cost other than the service cost component are included in the line item “other expense” in the income statement.  The estimated amounts to be amortized from accumulated other comprehensive loss into net periodic cost in 2020 for amortization of actuarial loss will be $0.1 million.  The Company did not contribute to the Pension Plan in 2019 and expects that it will no t contribute to the Pension Plan in 2020.  The expected long-term rate of return on Pension Plan assets assumption was determined based on historical returns earned by equity and fixed income securities, adjusted to reflect future return expectations based on plan targeted asset allocation. Equity and fixed income securities were assumed to earn returns in the ranges of 5% to 10% and 4% to 5% , respectively. When these overall return expectations are applied to the Pension Plan’s targeted allocation, the expected rate of return was determined to be 5.50% , which is within the range of expected return. The Company’s management will continue to evaluate its actuarial assumptions, including the expected rate of return, at least annually, and will adjust as necessary.  The weighted average asset allocation of the Pension Plan at December 31, 2019 and 2018, the Pension Plan measurement date, was as follows:      Asset Category: 2019 2018  Equity mutual funds 27.28 % 26.53 %  Fixed income mutual funds 71.59 % 71.61 %  Cash/Short-term investments 1.13 % 1.86 %  100.00 % 100.00 %  The portfolio is invested in accordance with sound investment practices. Consistent with this approach, the investment strategy is to diversify the portfolio in order to reduce risk and to maintain sufficient liquidity to meet the obligations of the Plan. The Plan’s long-term asset allocation under normal market conditions is 25% equity investment and 75% fixed income assets and other short term investments and cash equivalents. The investment objective of the allocation in equity investments emphasizes long term capital appreciation. These equity investments are diversified across market capitalization, industries, style and geographical location. The investment objective of the fixed income allocation is to generally provide a diversified source of income with an awareness of capital preservation. The primary objective of the investment philosophy is capital preservation.   The major categories of assets in the Bank’s Pension Plan as of year-end are presented in the following table. Assets are segregated according to their investment objective by the level of the valuation inputs within the fair value hierarchy utilized to measure fair value (see Note 21 – Fair Value of Financial Instruments).      2019 2018  (in thousands)  Level 1:  Cash 13 -  Mutual funds:  Short-term investments:  Money market $ 55 $ 96  Fixed Income: 4,327 3,710  Equities:  Large cap 617 576  International large cap 1,032 789  International small cap - 9  $ 6,044 $ 5,180  The mutual funds are actively traded with market quotes available on at least a daily basis. Therefore, they are Level 1 assets.  The discount rate utilized by the Company for determining future pension obligations is based on a review of long-term bonds that receive one of the two highest ratings given by a recognized rating agency. The discount rate determined on this basis decreased from 4.20% at December 31, 2018 to 3.20% at December 31, 2019 for the Company's Pension Plan.  Expected benefit payments under the Pension Plan over the next ten years at December 31, 2019 are as follows:     (in thousands)  2020 $ 219  2021 234  2022 268  2023 291  2024 338  Year 2025 - 2029 1,722  Supplemental Executive Retirement Plans The Bank also maintains a non-qualified supplemental executive retirement plan (the “SERP”) covering certain members of the Company’s senior management. The SERP was amended during 2003 to provide a benefit based on a percentage of final average earnings, as opposed to the fixed benefit that was provided for in the superseded plan. On April 8, 2010, the Compensation Committee of the Board of Directors of the Company approved the adoption of the Evans Bank, N.A. Supplemental Executive Retirement Plan for Senior Executives (“the Senior Executive SERP”). The “old” SERP plan will keep its participants at the time of the creation of the Senior Executive SERP, but any future executives identified by the Board of Directors as eligible for SERP benefits will participate in the Senior Executive SERP. A participant is generally entitled to receive a benefit under the Senior Executive SERP upon a termination of employment, other than for “cause”, after the participant has completed 10 full calendar years of service with the Bank. No benefit is payable under the Senior Executive SERP if the participant’s employment is terminated for “cause” or if the participant voluntarily terminates before completing 10 full calendar years of service with the Bank. In addition, the payment of benefits under the Senior Executive SERP is conditioned upon certain agreements of the participant related to confidentiality, cooperation, non-competition, and non-solicitation. A participant will be entitled to a retirement benefit under the Senior Executive SERP if his or her employment with the Bank terminates other than for “cause”. The “accrued benefit” is based on a percentage of the participant’s final average earnings, which is determined based upon the participant’s total annual compensation over the highest consecutive five calendar years of the participant’s employment with the Bank, accrued over the participant’s “required benefit service”. The percentages and years of service requirements are set forth in each participant’s Participation Agreement, and range from 25% to 35% and from 15 to 20 years. The obligations related to the two SERP plans are indirectly funded by various life insurance contracts naming the Bank as beneficiary. The Bank has also indirectly funded the SERPs, as well as other benefits provided to other employees, through bank-owned life insurance. The Bank uses an actuarial method of amortizing unrecognized net gains or losses which result from actual experience and assumptions being different than those that are projected. The amortization method the Bank is using recognizes the net gains or losses over the average remaining service period of active employees, which exceeds the required amortization.  Selected financial information for the two SERP plans is as follows:      12/31/2019 12/31/2018  Change in benefit obligation: (in thousands)  Benefit obligation at the beginning of the year $ 5,398 $ 4,542  Service cost 146 187  Interest cost 202 137  Actuarial (gain) loss 378 725  Benefits paid (377) (193)  Benefit obligation at the end of the year 5,747 5,398   Change in plan assets:  Fair value of plan assets at the beginning of year - -  Actual return on plan assets - -  Employer contributions 377 193  Benefits paid (377) (193)  Fair value of plan assets at the end of year - -   Funded status $ (5,747) $ (5,398)  Amount recognized in the Consolidated Balance Sheets consist of:  Accrued benefit liabilities $ (5,747) $ (5,398)  Amount recognized in the Accumulated Other Comprehensive Loss consists of:  Net actuarial loss $ 1,624 $ 1,480  Prior service cost 93 125  Net amount recognized in equity - pre-tax $ 1,717 $ 1,605   Accumulated benefit obligation at year end $ 5,432 $ 5,047  Assumptions used by the Bank in the determination of SERP information consisted of the following:     2018 2018 2017  Discount rate for projected benefit obligation 2.72 % 3.84 % 3.09 %  Discount rate for net periodic pension cost 3.84 % 3.09 % 3.30 %  Salary scale 6.00 % 6.00 % 3.00 %   The discount rate utilized by the Company for determining future pension obligations is based on a review of long-term bonds that receive one of the two highest ratings given by a recognized rating agency. The discount rate determined on this basis decreased from 3.84% at December 31, 2018 to 2.72% at December 31, 2019 (i.e. the measurement date) for the SERP.  The components of net periodic benefit cost consisted of the following:     2019 2018 2017  (in thousands)  Service cost $ 146 $ 187 $ 168  Interest cost 202 137 137  Net amortization and deferral 266 117 112  Net periodic benefit cost $ 614 $ 441 $ 417  The estimated amounts to be amortized from accumulated other comprehensive loss into net periodic benefit cost in 2020 for prior service costs and actuarial loss will be $31 thousand and $350 thousand, respectively.  Expected benefit payments under the SERP over the next ten years at December 31, 2019 are as follows:      (in thousands)  2020 $ 378  2021 285  2022 3,030  2023 285  2024 285  Year 2025 - 2029 1,026 Other Compensation Plans  The Company has a non-qualified deferred compensation plan whereby directors and certain officers may defer a portion of their base pre-tax compensation. Additionally, the Company has a non-qualified executive incentive retirement plan, whereby the Company defers on behalf of certain officers a portion of their base compensation until retirement or termination of service, subject to certain vesting arrangements. Aggregate expense under these plans was approximately $0.2 million in 2019, $0.1 million in 2018 and 2017. The benefit obligation, included in other liabilities in the Company’s consolidated balance sheets, was $1.9 million at December 31, 2019, $2.1 million at December 31, 2018 and $2.0 million at December 31, 2017.  These benefit plans are indirectly funded by bank-owned life insurance contracts with a total aggregate cash surrender value of approximately $29.4 million and $28.4 million at December 31, 2019 and 2018, respectively. Increases in cash surrender value are included in other non-interest income on the Company’s Consolidated Statements of Income. Endorsement split-dollar life insurance benefits have also been provided to directors and certain officers of the Bank and its subsidiaries during employment.  The Bank also has a defined contribution retirement and thrift 401(k) Plan (the “401(k) Plan”) for its employees who meet certain length of service and age requirements. The provisions of the 401(k) Plan allow eligible employees to contribute a portion of their annual salary, up to the IRS statutory limit. The 401(k) plan includes a Qualified Automatic Contribution Arrangement (“QACA”). This arrangement features automatic deferred contributions with annual escalation, a QACA matching contribution, and an additional matching contribution. Employees vest in employer contributions over six years. The Company’s expense under the 401(k) Plan was approximately $1.0 million in 2019 and 2018 and $0.8 million in 2017.

Stock-Based Compensation

Stock-Based Compensation	12 Months Ended
	Dec. 31, 2019
Stock-Based Compensation [Abstract]
Stock-Based Compensation	12. STOCK-BASED COMPENSATION  At December 31, 2019, the Company had two stock-based compensation plans, which are described below. The compensation cost charged against income for those plans was $0.7 million, $0.6 million, and $0.5 million for 2019, 2018, and 2017, respectively, and is included in “Salaries and Employee Benefits” in the Company’s Consolidated Statements of Income. All stock option and restricted stock expense is recorded on a straight-line basis over the expected vesting term. In addition, expenses for director stock-based compensation were recognized to reflect $0.2 million in 2019 and 2018, and $0.1 million in 2017, as part of “Other” expense in the Company’s Consolidated Statements of Income.  2019 Long-Term Equity Incentive Plan  Under the Company’s 2019 Long-Term Equity Incentive Plan (the “2019 Plan”) and, prior to the adoption of the 2019 Plan by shareholders in April 2019, under the Company’s 2009 Long-Term Incentive Plan (the “2009 Plan” and together with the 2019 Plan, the “Equity Plans”), the Company has granted options or restricted stock to officers, directors and key employees of the Company and its subsidiaries. Under the Equity Plans, the Company was authorized to issue up to 603,883 shares of common stock. Under the Equity Plans, the exercise price of each option is not to be less than 100% of the market price of the Company’s stock on the date of grant and an option’s maximum term is ten years. If available, the Company normally issues shares out of its treasury for any options exercised or restricted shares issued. The options have vesting schedules from 12 months through 4 years. At December 31, 2019, there were a total of 313,429 shares available for grant under the 2019 Plan. The Company may no longer make grants under the 2009 Plan.  The fair value of each option grant is estimated on the date of grant using the Black-Scholes option-pricing model with the following weighted-average assumptions:    2019 2018 2017  Dividend Yield 2.88 % 2.04 % 2.03 %  Expected Life (years) 6.96 6.81 6.95  Expected Volatility 17.36 % 16.57 % 17.34 %  Risk-free Interest Rate 2.47 % 2.82 % 2.24 %  Weighted Average Fair Value $ 5.01 $ 7.63 $ 6.41   The Company used historical volatility calculated using daily closing prices for its common stock over periods that match the expected term of the option granted to estimate the expected volatility. The risk-free interest rate assumption was based upon U.S. Treasury yields appropriate for the expected term of the Company's stock options based upon the date of grant. The expected dividend yield was based upon the Company's recent history of paying dividends. The expected life was based upon the options’ expected vesting schedule and historical exercise patterns.  Stock options activity for 2019 was as follows:    Options Weighted Average Exercise Price Weighted Average Remaining Contractual Term (years) Aggregate Intrinsic Value (in thousands)  Balance, December 31, 2018 218,968 $ 24.18  Granted 44,820 36.12  Exercised (37,490) 15.18  Expired (2,140) 39.19  Forfeited (8,598) 37.73  Balance, December 31, 2019 215,560 $ 27.54 5.68 $ 2,827   Exercisable, December 31, 2019 140,974 $ 22.39 4.21 $ 2,531   Future compensation cost expected to be expensed over the weighted average remaining contractual term for remaining outstanding options is $0.3 million. The unrecognized compensation cost is scheduled to be recognized as follows:      (in thousands)  2020 $ 132  2021 96  2022 60  2023 15  Restricted stock award activity for 2019 was as follows:    Shares Weighted Average Grant Date Fair Value  Balance, December 31, 2018 35,345 $ 38.01  Granted 25,448 35.98  Vested (17,166) 36.22  Forfeited (3,816) 38.37  Balance, December 31, 2019 39,811 $ 37.45  As of December 31, 2019, there was $0.9 million in unrecognized compensation cost related to restricted share-based compensation arrangements granted under the Equity Plans. The unrecognized compensation cost is scheduled to be recognized as follows:      (in thousands)  2020 $ 434  2021 281  2022 165  2023 40  During fiscal years 2019, 2018, and 2017, the following activity occurred under the Company’s plans:      2019 2018 2017  (in thousands)  Total intrinsic value of stock options exercised $ 770 $ 1,237 $ 567  Total fair value of restricted stock awards vested $ 610 $ 736 $ 645   Employee Stock Purchase Plan  The Company also maintains the Evans Bancorp, Inc. Employee Stock Purchase Plan (the “Purchase Plan”). As of December 31, 2019, there were 92,411 shares of common stock available to issue to full-time employees of the Company and its subsidiaries, nearly all of whom are eligible to participate. Under the terms of the Purchase Plan, employees can choose each year to have up to 15% of their annual base earnings withheld to purchase the Company’s common stock. Employees can purchase stock only on June 30 and December 31 each year during the term of the Purchase Plan for 85% of the price on the purchase date. Under the Purchase Plan, the Company issued 11,712 , 10,821 , and 7,610 shares to employees in 2019, 2018, and 2017, respectively. Compensation cost is calculated by the value of the 15% discount only. The compensation cost that was charged against income for the Purchase Plan was less than $0.1 million in 2019, 2018, and 2017.  

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2019
Income Taxes [Abstract]
Income Taxes	13. INCOME TAXES  The components of the provision for income taxes were as follows:       2019 2018 2017  (in thousands)  Current federal tax expense $ 4,639 $ 1,182 $ 2,041  Current state tax expense 1,160 606 18  Total current tax expense 5,799 1,788 2,059   Deferred federal tax expense (benefit) $ (513) $ - $ 2,441  Deferred state tax expense (58) 495 709  Total deferred tax expense (benefit) (571) 495 3,150   Total income tax provision $ 5,228 $ 2,283 $ 5,209   The Company’s provision for income taxes differs from the amounts computed by applying the federal income tax statutory rates to income before income taxes. A reconciliation of the differences is as follows:       2019 2018 2017  Amount Percent Amount Percent Amount Percent  (in thousands)  Tax provision at statutory rate $ 4,671 21 % $ 3,914 21 % $ 5,334 34 %  Change in taxes resulting from:  Tax-exempt income (213) (1) (287) (2) (589) (4)  Historic tax credit (81) - (2,043) (11) (1,869) (12)  State taxes, net of federal benefit 870 4 871 5 455 2  Deferred tax asset remeasurement - - - - 2,074 13  Other items, net (19) - (172) (1) (196) -  Income tax provision $ 5,228 24 % $ 2,283 12 % $ 5,209 33 %  In 2018 and 2017, the Company recognized significant impact from its investments in partnerships that incurred expenses related to the rehabilitation of certified historic structures located in New York State after the historic structures were placed in service. At the time a historic structure is placed in service, the Bank is eligible for a federal and New York State tax credit. As noted in Note 1 to these Consolidated Financial Statements, f or New York State, any new credit earned from rehabilitated historic properties placed in service on or after January 1, 2015 not used in the current tax year will be treated as a refund or overpayment of tax to be credited to the next year’s tax. Since the realization of the tax credit does not depend on the Bank’s generation of future taxable income or the Bank’s ongoing tax status or tax position, the refund is not considered an element of income tax accounting. In such cases, the Bank would not record the credit as a reduction of income tax expense; rather, the Bank includes the refundable New York State tax credit in non-interest income with a corresponding receivable recorded in other assets. There were no significant historic tax credit transactions during 2019.  The following table presents the impact on the results of operations from the Bank’s historic tax credit activity for the years ended December 31, 2019, 2018 and 2017.      2019 2018 2017   Loss on tax credit investment $ (158) $ (2,870) $ (3,997)  Refundable state historic tax credit 115 1,982 2,843  Income tax benefit 81 2,043 1,869  Total HTC income $ 38 $ 1,155 $ 715    At December 31, 2019 and 2018 the components of the net deferred tax asset were as follows:     2019 2018  (in thousands)  Deferred tax assets:  Pension and SERP plans $ 1,584 $ 1,452  Allowance for loan and lease losses 3,876 3,788  Non accrued interest - 68  Deferred compensation 558 614  Loss on investment in tax credit 444 490  Stock options granted 192 165  Lease liabilities 1,078 119  Net unrealized losses on securities - 822  Other 37 -  Gross deferred tax assets $ 7,769 $ 7,518   Deferred tax liabilities:  Depreciation and amortization $ 1,614 $ 1,637  Right of use assets 965  Prepaid expenses 617 616  Net unrealized gains on securities 183 -  Deferred dividend income - 356  Mortgage servicing asset 144 158  Other 71 -  Gross deferred tax liabilities $ 3,594 $ 2,767   Valuation allowance (218) (334)  Net deferred tax asset $ 3,957 $ 4,417  The net deferred tax asset at December 31, 2019 and 2018 is included in “other assets” in the Company’s consolidated balance sheets.  In assessing the ability of the Company to realize the benefit of the deferred tax assets, management considers whether it is more likely than not that some portion or all of the deferred tax assets will not be realized. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in which those temporary differences become deductible. Management considers the scheduled reversal of deferred tax liabilities, availability of operating loss carrybacks, projected future taxable income, and tax planning strategies in making this assessment. Based upon the level of historical taxable income, the opportunity for net operating loss carrybacks, and projections for future taxable income over the periods which deferred tax assets are deductible, management believes it is more likely than not that the Company will generate sufficient taxable income to realize the benefits of these deductible differences at December 31, 2019, except for a valuation allowance of $0.2 million on the net deferred tax asset for the investment in historic tax credits of $0.4 million. In assessing the need for a valuation allowance for the deferred tax assets for the investments in historic tax credits, the Company considered all positive and negative evidence in assessing whether the weight of available evidence supports the recognition of some or all of the deferred tax assets.  In regard to historic tax credit investments, because of the tax nature of the loss to be recognized when the investment is ultimately sold (which for tax purposes will give rise to a capital loss), the Company has limited capital gains to use in the future to be able to utilize the capital losses from these investments. Therefore, the Company’s assessment of the deferred tax asset warrants the need for a valuation allowance to be recognized on the deferred tax asset that it determined is more-likely-than-not to not be realized. The amount of remaining capital loss includes the projected capital basis after taking the tax credit, expected losses, and cash distributions.  The state historic tax credit carryforward has an indefinite life with no expiration date in which to utilize the credit.  The Company did no t have any unrecognized tax benefits for the years ended December 31, 2019, 2018, and 2017.  There were no accrued penalties and interest at December 31, 2019 and 2018.  The Company is subject to routine audits of its tax returns by the Internal Revenue Service (“IRS”) and various state taxing authorities. The tax years 2016 - 2018 remain subject to examination by the IRS . In 2019, the Company concluded a New York State audit covering the tax years 2015-2016. These audits concluded with no material adverse findings. The tax years 2017 - 2018 remain subject to examination by the New York State Department of Taxation & Finance.  The TCJA was signed into law on December 22, 2017. The most significant impact of the TCJA has been on the Company’s marginal federal tax rate in 2018 and beyond, which decreased from 35% to 21% . The change in the corporate tax rate resulted in a $2.1 million expense related to the remeasurement of the Company’s deferred tax asset as of December 31, 2017.

Revenue Recognition Of Non-Inte

Revenue Recognition Of Non-Interest Income	12 Months Ended
	Dec. 31, 2019
Revenue Recognition Of Non-Interest Income [Abstract]
Revenue Recognition Of Non-Interest Income	 14. REVENUE RECOGNITION OF NON-INTEREST INCOME  A description of the Company’s material revenue streams in non-interest income accounted for under ASC 606 follows:  Insurance Service and Fees: Insurance services revenue relates to various revenue streams from services provided by TEA and the Bank:     TEA earns commission revenue from selling commercial and personal property and casualty (“P&C”) insurance as well as employee benefits (“EB”) solutions to commercial customers.   TEA has agreements with various insurance companies to sell policies to customers on behalf of the carriers. The performance obligation for TEA is to sell annual P&C policies to commercial customers and consumers. This performance obligation is met when a new policy is sold or when an existing policy renews. The policies are generally one year terms. In the agreements with the respective insurance companies, a commission rate is agreed upon. The commission is recognized at the time of the sale of the policy or when a policy renews.  TEA has signed contracts with insurance carriers that enable TEA to sell benefit plans to commercial customers on behalf of the insurance carriers. The performance obligation for TEA is to sell the plans to commercial customers. After the initial sale when the customer signs an agreement to purchase the offered benefit plan, the performance obligation is met each month when a customer continues utilizing benefit plans from the carrier. The customer does not commit to a specific length of time with the carrier. In the agreements with the respective insurance companies, a commission rate is agreed upon. Revenue is recognized each month when the customer continues with the benefit plan sold by TEA.     TEA also earns contingent profit sharing revenue. The insurance companies measure the loss ratio for TEA’s customers and pay TEA according to how profitable TEA customers are.   TEA has signed written agreements with insurance carriers that document payouts to TEA based on the loss ratios of its customers. The performance obligation for TEA is to maintain a customer base with loss ratios below the agreed upon thresholds. In the contracts with the insurance companies, payout rates based on loss ratios are documented. The consideration is variable as loss ratios vary based on customer experience. TEA’s performance obligation is over the course of the year as its customers’ performance with insurance carriers is measured throughout the year as losses occur. Due to the variable nature of contingent profit sharing revenue, TEA will accrue contingent profit sharing revenue throughout the year based on recent historical results. As loss events occur and overall performance becomes known to TEA, accrual adjustments will be made until the cash is ultimately received.     Financial services commission revenue from the Bank related to wealth management such as life insurance, annuities, and mutual funds sales is also included in the “insurance service and fees” line of the income statement.   The Company earns wealth management fees from its contracts with customers for certain financial services. Fees that are transaction-based are recognized at the point in time that the transaction is executed. Other related services provided include financial planning services and the fees the Bank earns are recognized when the services are rendered.  · Insurance claims services revenue is recorded at Frontier Claims Services, Inc. (“FCS”).    FCS has signed agreements with insurance companies to perform claims services including investigative and adjustment services related to residential and commercial lines. The performance obligation is for FCS to investigate the insurance claims and inspecting the damage to determine the extent of the insurance company’s liability. FCS is paid based on time and materials expended to investigate the claim. The rates paid are determined in the agreement between FCS and the respective insurance companies. Upon completion of its claims inspection work, FCS bills the insurance company for services rendered and recognizes the revenue earned.    A disaggregation of the total insurance service and other fees at December 31, 2019, 2018, and 2017:     2019 2018 2017  (in thousands)  Commercial property and casualty insurance commissions $ 4,014 $ 3,541 $ 2,918  Personal property and casualty insurance commissions 3,416 3,067 2,608  Employee benefits sales commissions 1,136 855 528  Profit sharing and contingent revenue 1,050 905 928  Wealth management and other financial services 517 563 425  Insurance claims services revenue 453 305 390  Other insurance-related revenue 102 129 101  Total insurance service and other fees $ 10,688 $ 9,365 $ 7,898    

Other Liabilities

Other Liabilities	12 Months Ended
	Dec. 31, 2019
Other Liabilities [Abstract]
Other Liabilities	15. OTHER LIABILITIES  Other liabilities at December 31 were as follows:      2019 2018  (in thousands)  Retirement compensation liabilities $ 8,308 $ 7,976  Accounts payable 5,211 4,989  Taxes Payable 1,657 -  Historic tax credit investment - 2,996  Interest payable 677 877  Loan participation payable 437 -  Other 138 193  Total other liabilities $ 16,428 $ 17,031 

Related Party Transactions

Related Party Transactions	12 Months Ended
	Dec. 31, 2019
Related Party Transactions [Abstract]
Related Party Transactions	16. RELATED PARTY TRANSACTIONS  The Bank has entered into loan transactions with certain directors, executive officers, significant shareholders and their affiliates (related parties) in the ordinary course of its business. The aggregate outstanding principal balance of loans to such related parties on December 31, 2019 and 2018 was $1.7 million and $1.3 million, respectively. During 2019, there were $2.9 million of advances and new loans to such related parties, and repayments amounted to $2.5 million. Terms of these loans have prevailing market pricing that would be offered to similarly-situated non-affiliated third parties. Deposits from related parties were $4.1 million and $3.4 million as of December 31, 2019 and 2018, respectively.

Contingent Liabilities And Comm

Contingent Liabilities And Commitments	12 Months Ended
	Dec. 31, 2019
Contingent Liabilities And Commitments [Abstract]
Contingent Liabilities And Commitments	17. CONTINGENT LIABILITIES AND COMMITMENTS  The Company’s consolidated financial statements do not reflect various commitments and contingent liabilities which arise in the normal course of business and which involve elements of credit risk, interest rate risk, and liquidity risk. These commitments and contingent liabilities are commitments to extend credit and standby letters of credit. A summary of the Bank’s commitments and contingent liabilities at December 31, 2019 and 2018 is as follows:     December 31, December 31,  2019 2018  (in thousands)   Commitments to extend credit $ 331,974 $ 290,785  Standby letters of credit 4,309 3,379  Total $ 336,283 $ 294,164  Commitments to extend credit and standby letters of credit all include exposure to some credit loss in the event of non-performance of the customer. The Bank’s credit policies and procedures for credit commitments and financial guarantees are the same as those for extensions of credit that are recorded on the Consolidated Balance Sheets. Because these instruments have fixed maturity dates, and because they may expire without being drawn upon, they do not necessarily represent cash requirements to the Bank. The Bank has no t incurred any losses on its commitments during the past three years and has no t recorded a reserve for its commitments.  The Company has entered into contracts with third parties, some of which include indemnification clauses. Examples of such contracts include contracts with third-party service providers, brokers and dealers, correspondent banks, and purchasers of residential mortgages. Additionally, the Company has bylaws, policies, and agreements under which it agrees to indemnify its officers and directors from liability for certain events or occurrences while the directors or officers are, or were, serving at the Company’s request in such capacities. The Company indemnifies its officers and directors to the fullest extent allowed by law. The maximum potential amount of future payments that the Company could be required to make under these indemnification provisions is unlimited, but would be affected by all relevant defenses to such claims, as well as directors’ and officers’ liability insurance maintained by the Company. Due to the nature of these indemnification provisions, it is not possible to quantify the aggregate exposure to the Company resulting from them.  Certain lending commitments for construction residential mortgage loans are considered derivative instruments under the guidelines of GAAP. The changes in the fair value of these commitments, due to interest rate risk, are not recorded on the consolidated balance sheets as the fair value of these derivatives is not considered to be material.  The Company leases certain offices, land and equipment under long-term operating leases. The aggregate minimum annual rental commitments under the se leases total approximately $0.7 million in 2020, 2021 and 2022, $ 0.6 million in 2023, $0.5 million in 2024 and $1.6 million thereafter . The rental expense under operating leases contained in the Company’s Consolidated Statements of Income was $0.7 million in 2019, 2018, and 2017.

Concentrations Of Credit

Concentrations Of Credit	12 Months Ended
	Dec. 31, 2019
Concentrations Of Credit [Abstract]
Concentrations Of Credit	18. CONCENTRATIONS OF CREDIT  All of the Bank’s loans, commitments, and standby letters of credit have been granted to customers in the Bank’s primary market area, which is Western New York. Investments in state and municipal securities also involve governmental entities within the Bank’s primary market area. The concentrations of credit by type of loan are set forth in Note 3 to these Consolidated Financial Statements, "Loans and the Allowance for Loan Losses." The distribution of commitments to extend credit approximates the distribution of loans outstanding. Standby letters of credit were granted primarily to commercial borrowers. The Bank, as a matter of policy, does not extend credit to any single borrower or group in excess of 15% of capital.

Segment Information

Segment Information	12 Months Ended
	Dec. 31, 2019
Segment Information [Abstract]
Segment Information	19. SEGMENT INFORMATION  The Company is comprised of two primary business segments: banking activities and insurance agency activities. The operating segments are separately managed and their performance is evaluated based on net income. The banking business segment includes both commercial and consumer banking services, including a wide array of lending and depository services as well as offering non-deposit investment products, such as annuities and mutual funds. The insurance agency segment includes the activities of selling various premium-based insurance policies on a commission basis, including business and personal insurance, employee benefits, surety bonds, risk management, life, disability and long-term care coverage, as well as providing claims adjusting services to various insurance companies. All sources of segment specific revenues and expenses contributed to management’s definition of net income. Revenues from transactions between the two segments are not significant.  The following tables set forth information regarding these segments for the years ended December 31, 2019, 2018, and 2017.     2019  Banking Insurance Agency  Activities Activities Total  (in thousands)   Net interest income (expense) $ 52,152 $ (97) $ 52,055  Provision for loan losses 75 - 75  Net interest income (expense) after  provision for loan losses 52,077 (97) 51,980  Insurance service and fees 480 10,208 10,688  Other non-interest income 7,232 162 7,394  Amortization expense - 448 448  Other non-interest expense 38,961 8,411 47,372  Income before income taxes 20,828 1,414 22,242  Income tax provision 4,860 368 5,228  Net income $ 15,968 $ 1,046 $ 17,014     2018  Banking Insurance Agency  Activities Activities Total  (in thousands)   Net interest income (expense) $ 48,228 $ (121) $ 48,107  Provision for loan losses 1,402 - 1,402  Net interest income (expense) after  provision for loan losses 46,826 (121) 46,705  Insurance service and fees 541 8,824 9,365  Other non-interest income 5,862 - 5,862  Amortization expense - 280 280  Other non-interest expense 35,683 7,330 43,013  Income before income taxes 17,546 1,093 18,639  Income tax provision 1,999 284 2,283  Net income $ 15,547 $ 809 $ 16,356     2017  Banking Insurance Agency  Activities Activities Total  (in thousands)   Net interest income (expense) $ 42,119 $ (102) $ 42,017  Provision for loan losses 738 - 738  Net interest income (expense) after  provision for loan losses 41,381 (102) 41,279  Insurance service and fees 416 7,482 7,898  Other non-interest income 5,105 - 5,105  Amortization expense - 113 113  Other non-interest expense 32,610 5,871 38,481  Income before income taxes 14,292 1,396 15,688  Income tax provision 4,674 535 5,209  Net income $ 9,618 $ 861 $ 10,479                  December 31, December 31,  2019 2018  (in thousands)  Identifiable Assets, Net  Banking activities $ 1,443,611 $ 1,371,560  Insurance agency activities 16,619 16,647  Consolidated Total Assets $ 1,460,230 $ 1,388,207  

Acquisitions

Acquisitions	12 Months Ended
	Dec. 31, 2019
Acquisitions [Abstract]
Acquisitions	 20. ACQUISITIONS  On December 19, 2019, the Company announced that it had entered into a definitive Agreement and Plan of Reorganization (the “Agreement”) with FSB Bancorp, Inc. (“FSB”), a Maryland corporation and the parent holding company of Fairport Savings Bank, under which FSB would be acquired by the Company (the “Merger”). Subject to the terms and conditions of the Agreement, upon the consummation of the Merger, FSB stockholders will have the right to receive, subject to possible adjustment, for each share of common stock, par value $0.01 per share, of FSB, either (i) 0.4394 shares of common stock, par value $0.50 per share, of Evans (“Evans Common Stock”), or (ii) $17.80 in cash, at the election of such holder. All such elections are subject to adjustment on a pro rata basis, so that approximately 50% of the aggregate consideration paid to FSB stockholders will be cash and approximately 50% will be Evans Common Stock. As of December 19, 2019 total consideration to be paid was valued at approximately $35 million.  As of September 30, 2019, FSB reported $325 million of assets, including $277 million of loans (predominantly residential real estate loans) and $24 million of investment securities, and $293 million of liabilities, including $233 million of deposits.  The Company incurred $0.2 million of merger-related expenses in 2019 associated with the pending Merger, consisting largely of professional services of their attorneys, accountants, investment bankers and other advisors. Merger related expenses incurred in 2018 were not material. There were no merger-related expenses during 2017. 

Fair Value Of Financial Instrum

Fair Value Of Financial Instruments	12 Months Ended
	Dec. 31, 2019
Fair Value Of Financial Instruments [Abstract]
Fair Value Of Financial Instruments	21. FAIR VALUE OF FINANCIAL INSTRUMENTS  Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date.  There are three levels of inputs to fair value measurements: · Level 1 inputs are quoted prices for identical instruments in active markets; · Level 2 inputs are inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly; and · Level 3 inputs are unobservable inputs.  Observable market data should be used when available.  FINANCIAL INSTRUMENTS MEASURED AT FAIR VALUE ON A RECURRING BASIS  The following table presents for each of the fair-value hierarchy levels as defined in this footnote, those financial instruments which are measured at fair value on a recurring basis at December 31, 2019 and 2018:     (in thousands) Level 1 Level 2 Level 3 Fair Value   December 31, 2019  Securities available-for-sale:  US government agencies $ - $ 28,156 $ - $ 28,156  States and political subdivisions - 3,351 - 3,351  Mortgage-backed securities - 96,416 - 96,416  Mortgage servicing rights - - 555 555   December 31, 2018  Securities available-for-sale:  US government agencies $ - $ 33,928 $ - $ 33,928  States and political subdivisions - 22,173 - 22,173  Mortgage-backed securities - 76,003 - 76,003  Mortgage servicing rights - - 609 609  Securities available for sale  Fair values for available for sale securities are determined using independent pricing services and market-participating brokers. The Company utilizes a third-party for these pricing services. The third-party utilizes evaluated pricing models that vary by asset class and incorporate available trade, bid and other market information for structured securities, cash flow and, when available, loan performance data. Because many fixed income securities do not trade on a daily basis, the third-party service provider’s evaluated pricing applications apply information as applicable through processes, such as benchmarking of like securities, sector groupings, and matrix pricing, to prepare evaluations. In addition, our third-party pricing service provider uses model processes, such as the Option Adjusted Spread model, to assess interest rate impact and develop prepayment scenarios. The models and the process take into account market convention. For each asset class, a team of evaluators gathers information from market sources and integrates relevant credit information, perceived market movements and sector news into the evaluated pricing applications and models. The third-party, at times, may determine that it does not have sufficient verifiable information to value a particular security. In these cases the Company will utilize valuations from another pricing service.  Management believes that it has a sufficient understanding of the third-party service’s valuation models, assumptions and inputs used in determining the fair value of securities to enable management to maintain an appropriate system of internal control. On a quarterly basis the Company reviews changes, as submitted by our third-party pricing service provider, in the market value of its securities portfolio. Individual changes in valuations are reviewed for consistency with general interest rate movements and any known credit concerns for specific securities. Additionally, on an annual basis the Company has its entire securities portfolio priced by a second pricing service to determine consistency with another market evaluator. If, on the Company’s review or in comparing with another servicer, a material difference between pricing evaluations were to exist, the Company may submit an inquiry to our third-party pricing service provider regarding the data used to value a particular security. If the Company determines it has market information that would support a different valuation than our third-party service provider’s evaluation it can submit a challenge for a change to that security’s valuation. There were no material differences in valuations noted in 2019 or 2018.  Securities available for sale are classified as Level 2 in the fair value hierarchy as the valuation provided by the third-party provider uses observable market data.  Mortgage servicing rights  Mortgage servicing rights (“MSRs”) do not trade in an active, open market with readily observable prices. Accordingly, the Company obtains the fair value of the MSRs using a third-party pricing provider. The provider determines the fair value by discounting projected net servicing cash flows of the remaining servicing portfolio. The valuation model used by the provider considers market loan prepayment predictions and other economic factors. The fair value of MSRs is mostly affected by changes in mortgage interest rates since rate changes cause the loan prepayment acceleration factors to increase or decrease. All assumptions are market driven. Management has a sufficient understanding of the third-party service’s valuation models, assumptions and inputs used in determining the fair value of MSRs to enable management to maintain an appropriate system of internal control. Mortgage servicing rights are classified within Level 3 of the fair value hierarchy as the valuation is model driven and primarily based on unobservable inputs.  The following table summarizes the changes in fair value for items measured at fair value (Level 3) on a recurring basis using significant unobservable inputs during the years ended December 31:      (in thousands) 2019 2018 2017  Mortgage servicing rights - January 1 $ 609 $ 586 $ 527  Gains/(Losses) included in earnings (178) (22) (48)  Additions from loan sales 124 45 107  Mortgage servicing rights - December 31 $ 555 $ 609 $ 586  Quantitative information about the significant unobservable inputs used in the fair value measurement of MSRs at the respective dates is as follows:      December 31, 2019 December 31, 2018  Servicing fees 0.25 % 0.25 %  Discount rate 9.00 % 9.00 %  Prepayment rate (CPR) 8.21 % 6.52 %    FINANCIAL INSTRUMENTS MEASURED AT FAIR VALUE ON A NONRECURRING BASIS  The Company is required, on a nonrecurring basis, to adjust the carrying value of certain assets or provide valuation allowances related to certain assets using fair value measurements. The following table presents for each of the fair-value hierarchy levels as defined in this footnote, those financial instruments which are measured at fair value on a nonrecurring basis at December 31, 2019 and 2018:        (in thousands) Level 1 Level 2 Level 3 Fair Value   December 31, 2019  Collateral dependent impaired loans $ - $ - $ 15,735 $ 15,735   December 31, 2018  Collateral dependent impaired loans $ - $ - $ 20,590 $ 20,590  Impaired loans  The Company evaluates and values impaired loans at the time the loan is identified as impaired, and the fair values of such loans are estimated using Level 3 inputs in the fair value hierarchy. Each loan’s collateral value has a unique appraisal and management’s discount of the value is based on factors unique to each impaired loan. The significant unobservable input in determining the fair value is management’s subjective discount on appraisals of the collateral securing the loan, which ranges from 10% - 50% . Fair value is estimated based on the value of the collateral securing these loans. Collateral may consist of real estate and/or business assets including equipment, inventory and/or accounts receivable and the value of these assets is determined based on appraisals by qualified licensed appraisers hired by the Company. Appraised and reported values may be discounted based on management’s historical knowledge, changes in market conditions from the time of valuation, estimated costs to sell, and/or management’s expertise and knowledge of the client and the client’s business.  The Company has an appraisal policy in which appraisals are obtained upon a commercial loan being downgraded on the Company’s internal loan rating scale to a special mention or a substandard depending on the amount of the loan, the type of loan and the type of collateral. All impaired commercial loans are graded substandard or worse on the internal loan rating scale. For consumer loans, the Company obtains appraisals when a loan becomes 90 days past due or is determined to be impaired, whichever occurs first. Subsequent to the downgrade or reaching 90 days past due, if the loan remains outstanding and impaired for at least one year more, management may require another follow-up appraisal. Between receipts of updated appraisals, if necessary, management may perform an internal valuation based on any known changing conditions in the marketplace such as sales of similar properties, a change in the condition of the collateral, or feedback from local appraisers. Collateral dependent impaired loans had a gross value of $16.0 million, with an allowance for loan loss of $0.3 million, at December 31, 2019 compared with $21.7 million and $1.1 million, respectively, at December 31, 2018.  At December 31, 2019 and 2018, the estimated fair values of the Company’s financial instruments, including those that are not measured and reported at fair value on a recurring basis or nonrecurring basis, were as follows:      December 31, 2019 December 31, 2018  Carrying Fair Carrying Fair  Amount Value Amount Value  (in thousands) (in thousands)  Financial assets:  Level 1:  Cash and cash equivalents $ 38,857 $ 38,857 $ 39,915 $ 39,915  Level 2:  Available for sale securities 127,922 127,922 132,104 132,104  FHLB and FRB stock 3,544 3,544 3,403 3,403  Level 3:  Held to maturity securities 2,386 2,392 1,685 1,674  Loans, net 1,211,356 1,222,386 1,141,146 1,131,891  Mortgage servicing rights 555 555 609 609   Financial liabilities:  Level 1:  Demand deposits $ 263,717 $ 263,717 $ 231,902 $ 231,902  NOW deposits 140,654 140,654 110,450 110,450  Savings deposits 587,142 587,142 571,479 571,479  Level 2:  Securities sold under agreement to  repurchase 2,425 2,425 3,142 3,142  Other borrowed funds 10,000 9,997 10,000 9,854  Junior subordinated debentures 11,330 11,330 11,330 11,330  Level 3:  Time deposits 275,927 277,051 301,227 298,999   The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practicable to estimate that value.  Securities Available for Sale  Fair values for available for sale securities are determined using independent pricing services and market-participating brokers.  FHLB and FRB stock  The carrying value of FHLB and FRB stock, which are non-marketable equity investments, approximates fair value.  Deposits  The fair value of demand deposits, NOW accounts, muni-vest accounts and regular savings accounts is the amount payable on demand at the reporting date. The fair value of time deposits is estimated using the rates currently offered for deposits of similar remaining maturities.  Borrowed Funds and Securities Sold Under Agreement to Repurchase  The fair value of securities sold under agreement to repurchase approximates its carrying value. The fair value of other borrowed funds was estimated using a discounted cash flow analysis based on the Company’s current incremental borrowing rates for similar types of borrowing arrangements.  Junior Subordinated Debentures  There is no active market for the Company’s debentures and there have been no issuances of similar instruments in recent years. The Company looked at a market bond index to estimate a discount margin to value the debentures. The discount margin was very similar to the spread to LIBOR established at the issuance of the debentures. As a result, the Company determined that the fair value of the adjustable-rate debentures approximates their face amount.  Pension Plan Assets  Refer to Note 11 to these Consolidated Financial Statements, “Employee Benefits and Deferred Compensation Plans” for the fair value analysis of the Pension Plan assets.

Regulatory Matters

Regulatory Matters	12 Months Ended
	Dec. 31, 2019
Regulatory Matters [Abstract]
Regulatory Matters	22. REGULATORY MATTERS  Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table that follows) of Common Equity Tier I, Total Capital, and Tier I Capital (as defined in FRB regulations) to risk-weighted assets (as defined in FRB regulations), and of Tier I capital (as defined in FRB regulations) to average assets (as defined in FRB regulations). Management believes that as of December 31, 2019 and 2018, the Company and the Bank met all capital adequacy requirements to which they are subject.  The most recent notification from their regulators categorized the Company and the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Company and the Bank must maintain minimum Common Equity Tier I, total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table. There are no conditions or events since that notification that management believes have changed the Company’s or Bank’s category rating.  The Company’s and the Bank’s actual capital amounts and ratios were as follows:     December 31, 2019  (in thousands)  Company Bank Minimum for Capital Adequacy Purposes Minimum to be Well Capitalized Under Prompt Corrective Action Provisions  Amount Ratio Amount Ratio Amount Ratio Amount Ratio   Common Equity Tier I  (to Risk Weighted Assets) $ 150,860 12.32 % $ 147,618 12.08 % $ 55,099 4.5 % $ 85,710 7.0 %   Total Capital  (to Risk Weighted Assets) $ 166,035 13.56 % $ 162,793 13.32 % $ 97,954 8.0 % $ 128,565 10.5 %   Tier I Capital  (to Risk Weighted Assets) $ 150,860 12.32 % $ 147,618 12.08 % $ 73,466 6.0 % $ 104,076 8.5 %   Tier I Capital  (to Average Assets) $ 150,860 10.33 % $ 147,618 10.15 % $ 58,397 4.0 % $ 72,996 5.0 %   The Company is subject to the dividend restrictions imposed by the FRB and the OCC. Dividends are paid as declared by the Board of Directors. The Company may pay dividends only if it is solvent and would not be rendered insolvent by the dividend payment and only from unrestricted and unreserved earned surplus and under some circumstances capital surplus. The Bank’s dividend restrictions apply indirectly to the Company since cash available for dividend distribution will initially come from dividends paid to the Company by the Bank.  Dividends may be paid by the Bank only if it would not impair the Bank’s capital structure, if the Bank’s surplus is at least equal to its common capital and if the dividends declared in any year do not exceed the total of net profits in that year combined with undivided profits of the preceding two years less any required transfers to surplus, and if no losses have been sustained equal to or exceeding its undivided profits.  In addition, federal regulators have the ability to restrict dividend payments. If the Bank or the Company approaches well-capitalized or minimum capital adequacy levels, regulators could restrict or forbid dividend payments. 

Parent Company Only Financial I

Parent Company Only Financial Information	12 Months Ended
	Dec. 31, 2019
Parent Company Only Financial Information [Abstract]
Parent Company Only Financial Information	 23. PARENT COMPANY ONLY FINANCIAL INFORMATION  Parent company (Evans Bancorp, Inc.) only condensed financial information is as follows:  CONDENSED BALANCE SHEETS     December 31,  2019 2018  (in thousands)  ASSETS  Cash $ 1,027 $ 1,446  Other assets 407 403  Investment in subsidiaries 159,620 142,268  Total assets $ 161,054 $ 144,117   LIABILITIES AND STOCKHOLDERS’ EQUITY  LIABILITIES:  Junior subordinated debentures $ 11,330 $ 11,330  Other liabilities 1,271 1,141  Total liabilities 12,601 12,471   STOCKHOLDERS’ EQUITY  Total Stockholders’ Equity $ 148,453 $ 131,646  Total liabilities and stockholders’ equity $ 161,054 $ 144,117   CONDENSED STATEMENTS OF INCOME     December 31,  2019 2018 2017  (in thousands)  Dividends from subsidiaries $ 4,500 $ 8,300 $ 2,100   Income 4 147 -   Expenses (1,323) (927) (771)   Income before equity in undistributed  earnings of subsidiaries 3,181 7,520 1,329   Equity in undistributed earnings of subsidiaries 13,833 8,836 9,150   Net income 17,014 16,356 10,479   Other comprehensive income - - -   Comprehensive income $ 17,014 $ 16,356 $ 10,479   CONDENSED STATEMENTS OF CASH FLOWS       Year Ended  2019 2018 2017  (in thousands)  Operating Activities:  Net income $ 17,014 $ 16,356 $ 10,479  Adjustments to reconcile net income to  net cash provided by operating activities:  Undistributed earnings of subsidiaries (13,833) (8,836) (9,150)  Changes in assets and liabilities affecting cash flow:  Other assets 130 (470) (13)  Other liabilities 4 250 (183)  Other 180 153 -  Net cash provided by operating activities 3,495 7,453 1,133   Investing Activities:  Proceeds from equity securities sales - 1,960 -  Investment in subsidiaries - (5,000) (11,791)  Net cash used in investing activities - (3,040) (11,791)   Financing Activities:  Proceeds from issuance of common stock 1,178 1,025 15,015  Cash dividends paid (5,092) (4,428) (3,819)  Purchase of Treasury stock - - (342)  Net cash used in financing activities (3,914) (3,403) 10,854   Net increase (decrease) in cash (419) 1,010 196   Cash beginning of year 1,446 436 240   Cash ending of year $ 1,027 $ 1,446 $ 436  

Selected Quarterly Financial Da

Selected Quarterly Financial Data	12 Months Ended
	Dec. 31, 2019
Selected Quarterly Financial Data [Abstract]
Selected Quarterly Financial Data	   24. SELECTED QUARTERLY FINANCIAL DATA - UNAUDITED            4th Quarter 3rd Quarter 2nd Quarter 1st Quarter  (in thousands, except for per share data)  2019  Interest Income $ 16,028 $ 16,845 $ 16,325 $ 15,542  Interest Expense 3,236 3,224 3,191 3,034  Net Interest Income 12,792 13,621 13,134 12,508  Net Income 3,748 5,164 4,382 3,720  Earnings per share basic 0.76 1.05 0.90 0.77  Earnings per share diluted 0.75 1.04 0.88 0.75   2018  Interest Income $ 15,309 $ 14,690 $ 14,247 $ 13,366  Interest Expense 2,936 2,604 2,051 1,914  Net Interest Income 12,373 12,086 12,196 11,452  Net Income 4,451 4,795 3,791 3,319  Earnings per share basic 0.92 0.99 0.79 0.69  Earnings per share diluted 0.90 0.97 0.77 0.68  

Organization And Summary Of S_2

Organization And Summary Of Significant Accounting Policies (Policy)	12 Months Ended
	Dec. 31, 2019
Organization And Summary Of Significant Accounting Policies [Abstract]
Organization And General	Organization and General  Evans Bancorp, Inc. (the “Company”) was organized as a New York business corporation and incorporated under the laws of the State of New York on October 28, 1988 for the purpose of becoming a bank holding company. Through August 2004, the Company was registered with the Federal Reserve Board (“FRB”) as a bank holding company under the Bank Holding Company Act of 1956, as amended. In August 2004, the Company filed for, and was approved as, a Financial Holding Company under the Bank Holding Company Act. The Company currently conducts its business through its two subsidiaries: Evans Bank, N.A. (the “Bank”), a nationally chartered bank, and its subsidiary, Evans National Holding Corp. (“ENHC”); and Evans National Financial Services, LLC (“ENFS”) and its subsidiary, The Evans Agency LLC (“TEA”). Unless the context otherwise requires, the term “Company” refers collectively to Evans Bancorp, Inc. and its subsidiaries. The Company conducts its business through its subsidiaries. It does not engage in any other substantial business. 
Regulatory Requirements	Regulatory Requirements  The Company is subject to the rules, regulations, and reporting requirements of various regulatory bodies, including the FRB, the Federal Deposit Insurance Corporation (“FDIC”), the Office of the Comptroller of the Currency (“OCC”), the New York State Department of Financial Services (“NYSDFS”), and the Securities and Exchange Commission (“SEC”). 
Principles Of Consolidation	Principles of Consolidation  The consolidated financial statements include the accounts of the Company, the Bank, ENFS and their subsidiaries. All material inter-company accounts and transactions are eliminated in consolidation. 
Accounting Estimates	Accounting Estimates  Management has made a number of estimates and assumptions relating to the reporting of assets and liabilities and disclosure of contingent assets and liabilities in order to prepare these consolidated financial statements in conformity with U.S. generally accepted accounting principles. The estimates and assumptions that management deems to be critical involve our accounting policies relating to the determination of our allowance for loan losses and the valuation of goodwill. These estimates and assumptions are based on management’s best estimates and judgment and management evaluates them on an ongoing basis using historical experience and other factors, including the current economic environment, which management believes to be reasonable under the circumstances. We adjust our estimates and assumptions when facts and circumstances dictate. As future events cannot be determined with precision, actual results could differ significantly from our estimates. Changes in those estimates resulting from continuing changes in the economic environment will be reflected in the consolidated financial statements in periods as they occur. 
Cash And Cash Equivalents	Cash and Cash Equivalents  For purposes of reporting cash flows, cash and cash equivalents include cash and due from banks and interest-bearing deposits at banks. 
Securities	Securities  Securities which the Bank has the positive intent and ability to hold to maturity are classified as held to maturity and are stated at cost, adjusted for discounts and premiums that are recognized in interest income over the period to the earlier of the call date or maturity using the level yield method. These securities represent debt issuances of local municipalities in the Bank’s market area for which market prices are not readily available. Management periodically evaluates the financial condition of the municipalities for any indication that the Bank does not expect to recover the entire amortized cost basis of their bonds.  Securities classified as available for sale are stated at fair value with unrealized gains and losses excluded from earnings and reported, net of deferred income taxes, in accumulated other comprehensive income or loss, a component of stockholders’ equity. Gains and losses on sales of securities are computed using the specific identification method.  Declines in the fair value of investment securities (with certain exceptions for debt securities noted below) that are deemed to be other-than-temporary are charged to earnings as a realized loss and a new cost basis for the securities is established. Declines in the fair value of debt securities below amortized cost are deemed to be other-than-temporary in circumstances where: (1) the Bank has the intent to sell a security; (2) it is more likely than not that the Bank will be required to sell the security before recovery of its amortized cost basis; or (3) the Bank does not expect to recover the entire amortized cost basis of the security. If the Bank intends to sell a security or if it is more likely than not that the Bank will be required to sell the security before recovery, an other-than-temporary impairment write-down is recognized in earnings equal to the difference between the security’s amortized cost basis and its fair value. If the Bank does not intend to sell the security or it is not more likely than not that it will be required to sell the security before recovery, the other-than-temporary impairment write-down is separated into an amount representing credit loss, which is recognized in earnings, and an amount related to all other factors, which is recognized in other comprehensive income.  The Bank does not engage in securities trading activities. 
Loans	Loans  Loans that management has the intent and ability to hold for the foreseeable future, or until maturity or pay-off, generally are reported at their outstanding unpaid principal balances adjusted for unamortized deferred fees or costs. Interest income is accrued on the unpaid principal balance and is recognized using the interest method. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the effective yield method of accounting for amortizing loans and straight line over an estimated life for lines of credit.  Loans become past due when the payment date has been missed. If payment has not been received within 30 days, then the loan is delinquent. Delinquent loans are placed into three categories; 30-59 days past due, 60-89 days past due, or 90+ days past due. Loans 90 or more days past due are considered non-performing.  The accrual of interest on loans is discontinued at the time the loan is 90 days delinquent, unless the credit is well secured and in process of collection. If the credit is not well secured and in the process of collection, the loan is placed on non-accrual status and is subject to charge-off if collection of principal or interest is considered doubtful. A loan can also be placed on nonaccrual before it is 90 days delinquent if management determines that it is probable that the Bank will be unable to collect principal or interest due according to the contractual terms of the loan.  All interest due but not collected for loans that are placed on non-accrual status or charged off is reversed against interest income. The interest on these loans is accounted for on the cost-recovery method, until it again qualifies for an accrual basis. Any cash receipts on non-accrual loans reduce the carrying value of the loans. Loans are returned to accrual status when all principal and interest amounts contractually due are brought current, the adverse circumstances which resulted in the delinquent payment status are resolved, and payments are made in a timely manner for a period of time sufficient to reasonably assure their future dependability.  The Bank considers a loan impaired when, based on current information and events, it is probable that it will be unable to collect principal or interest due according to the contractual terms of the loan. These loans are individually assessed for any impairment. Loan impairment is measured based on the present value of expected cash flows discounted at the loan’s effective interest rate or, as a practical expedient, at the loan’s observable market price or the fair value of the collateral, less costs to sell, if the loan is collateral dependent. Appraised and reported values may be discounted based on management’s historical knowledge, changes in market conditions from the time of valuation, estimated costs to sell, and/or management’s expertise and knowledge of the client and the client’s business. The Company has an appraisal policy in which appraisals are obtained upon a loan being downgraded on the Company’s internal loan rating scale to special mention or substandard depending on the amount of the loan, the type of loan and the type of collateral. All impaired nonaccrual loans are either graded special mention or substandard on the internal loan rating scale. Subsequent to the downgrade, if the loan remains outstanding and impaired for at least one year more, management may require another follow-up appraisal. Between receipts of updated appraisals, if necessary, management may perform an internal valuation based on any known changing conditions in the marketplace such as sales of similar properties, a change in the condition of the collateral, or feedback from local appraisers.   The Bank monitors the credit risk in its loan portfolio by reviewing certain credit quality indicators (“CQI”). The primary CQI for its commercial mortgage and commercial and industrial (“C&I”) portfolios is the individual loan’s credit risk rating. The following list provides a description of the credit risk ratings that are used internally by the Bank when assessing the adequacy of its allowance for loan losses:  · Acceptable or better : Credits with a slight risk of loss. The loan is secured by collateral of sufficient value to cover the loan by an acceptable margin. The financial statements of the company demonstrate sufficient net worth and repayment ability. The company has established an acceptable credit history with the bank and typically has a proven track record of performance. Management is experienced, and has an at least average ability to manage the company. The industry has an average or less than average susceptibility to wide fluctuations in business cycles. · Watch : Credits are generally acceptable but warrant greater attention than those rated acceptable or better. Temporary performance issues, if left unresolved, may result in above average risk. The borrower’s financial position is not typically strong. Earnings, while still positive, may be inconsistent. Industry issues or external events (such as possible litigation exposure) may cause concern. Although ability to repay is not an immediate concern, more regular monitoring may be necessary as a result of the short-term performance issues or sensitivities to external events that may result in a weakening condition. Any perceived weaknesses are acceptable when viewed against the overall credit and collateral risks assumed. Borrowers are likely fully leveraged when compared to others in a similar industry and their ability to raise capital may be limited.  · Special Mention : Credits that have potential weaknesses that warrant management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution’s credit position at some future date. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification.  Borrowers in this category may be experiencing adverse operating trends (declining revenues or margins) or an ill proportioned balance sheet. Adverse economic or market conditions, such as interest rate increases or the entry of a new competitor, may also support a special mention rating. Nonfinancial reasons for rating a credit exposure as special mention include management problems, pending litigation, stale financial statements, an ineffective loan agreement or other material structural weakness, and any other significant deviation from prudent lending practices.  Potential weaknesses in commercial real estate loans may include, construction delays, changes in concept or project plan, slow leasing, rental concessions, deteriorating market conditions, impending expiry of a major lease, or other adverse events that do not currently jeopardize repayment.  · Substandard : Credits that are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified must have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt. They are characterized by the distinct possibility of loss if the deficiencies are not corrected.  Substandard assets have a high probability of payment default, or they have other well-defined weaknesses. They are generally characterized by current or expected unprofitable operations, inadequate debt service coverage, inadequate liquidity, or marginal capitalization. Repayment may depend on collateral or other credit risk mitigates. Although substandard assets in the aggregate will have distinct potential for loss, an individual asset’s loss potential does not have to be distinct for the asset to be rated substandard.  A well-defined weakness may manifest itself via: • significant deterioration in financial condition of the borrower; • impairment of primary repayment source; • material deviation from planned absorption of rental or sales units; or • material deterioration in market conditions.  Commercial real estate credits evidencing one or more of the following characteristics are evaluated for a possible substandard classification: • slower than projected leasing or sales activity that threatens to result in protracted repayment or default; • lower than projected lease rates or sales prices that jeopardize repayment capacity; • changes in concept or plan due to unfavorable market conditions; • construction or tax liens; • inability to obtain necessary zoning or permits necessary to develop the project as planned; • a diversion of needed cash from an otherwise viable property to satisfy the demands of a troubled borrower or guarantor; • material imbalances in the construction budget; • significant construction delays; • expiration of a major lease or default by a major tenant; • poorly structured of overly liberal repayment terms.  When a project has slowed or stalled and the guarantor is providing some support but the loan has not been restructured, unless the guarantor is providing support of principal payments sufficient to retire the debt under reasonable terms, a substandard classification is typically warranted. If the guarantor is keeping interest payments current and shows a documented willingness and capacity to do so in the future, and collateral values protect against loss, the loan should generally be left on accrual. This level of support; however, does not fully mitigate the well-defined weaknesses in the credit and does not preclude a substandard classification.  · Doubtful : Credits that have all the weaknesses inherent in one classified Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. A doubtful asset has a high probability of total or substantial loss but because of specific pending events that may strengthen the assets, its classification as loss is deferred. Borrowers in this category are usually in default, lack adequate liquidity or capital and lack the resources necessary to remain an operating entity. Because of high probability of loss, nonaccrual accounting treatment is required for doubtful assets.  Circumstances that might warrant a doubtful classification for commercial real estate loans could include collateral values that are uncertain due to a lack of comparisons in an inactive market, impending changes such as zoning classification, environmental issues, or the pending resolution of legal issues that may affect the realization of value in a sale.  · Loss : Credits that are considered uncollectable and of such little value that their continuance as bankable assets is not warranted. This classification does not mean that the loan has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may be affected in the future. Borrowers in this category are often in bankruptcy, have formally suspended debt repayments, or have otherwise ceased normal business operations. The Company does not maintain an asset on the balance sheet if realizing its value would require long-term litigation or other lengthy recovery efforts.  The Company’s consumer loans, including residential mortgages and home equities, are not individually risk rated or reviewed in the Company’s loan review process. Consumers are not required to provide the Company with updated financial information as is a commercial customer. Consumer loans also carry smaller balances. Given the lack of updated information since the initial underwriting of the loan and small size of individual loans, the Company does not have credit risk ratings for consumer loans and instead uses delinquency status as the credit quality indicator for consumer loans. However, once a consumer loan is identified as impaired, it is individually evaluated for impairment. 
Allowance For Loan Losses	Allowance for Loan Losses  The provision for loan losses represents the amount charged against the Bank’s earnings to maintain an allowance for loan losses inherent in the portfolio based on management’s evaluation of the loan portfolio at the balance sheet date. Factors considered by the Bank’s management in establishing the allowance include: the collectability of individual loans, current loan concentrations, charge-off history, loss emergence period, delinquent loan percentages, the fair value of the collateral, input from regulatory agencies, and general economic conditions.  On a quarterly basis, management of the Bank meets to review and determine the adequacy of the allowance for loan losses. In making this determination, the Bank’s management analyzes the ultimate collectability of the loans in its portfolio by incorporating feedback provided by the Bank’s internal loan staff, an independent internal loan review function and information provided by examinations performed by regulatory agencies.  The analysis of the allowance for loan losses is composed of two components: specific credit allocation and general portfolio allocation. The specific credit allocation includes a detailed review of each impaired loan and allocation is made based on this analysis. Factors may include the appraisal value of the collateral, the age of the appraisal, the type of collateral, the performance of the loan to date, the performance of the borrower’s business based on financial statements, and legal judgments involving the borrower. The general portfolio allocation consists of an assigned reserve percentage based on the historical loss experience, the loss emergence period, and other qualitative factors of the loan category.  The general portfolio allocation is segmented into homogeneous pools of loans with similar characteristics. Separate pools of loans include loans pooled by loan grade and by portfolio segment. An average historical loss rate over the past seven years multiplied by the loss emergence period factor is applied against these loans.  For both the criticized and non-criticized loan pools in the general portfolio allocation, additional qualitative factors are applied. The qualitative factors applied to the general portfolio allocation reflect management’s evaluation of various conditions. The conditions evaluated include the following: levels and trends in delinquencies, non-accruals, and criticized loans; trends in volume and terms of loans; effects of any changes in lending policies and credit quality underwriting standards; experience, ability, and depth of management; national and economic trends and conditions; changes in the quality of the loan review system; concentrations of credit risk; changes in collateral value; and large loan risk. The total possible qualitative allocation is determined by comparing peer bank historical charge-off rates to the Bank’s historical charge-off rate. The actual qualitative allocation is determined by qualitative factor by loan type based on metrics that management believes are appropriate indicators of whether the Bank is in a low, moderate, or high risk range relative to historical experience for each qualitative factor. 
Foreclosed Real Estate	Foreclosed Real Estate  Foreclosed real estate is initially recorded at the lower of carrying or fair value (net of costs of disposal) at the date of foreclosure. Costs relating to development and improvement of property are capitalized, whereas costs relating to the holding of property are expensed. Assessments are periodically performed by management, and an allowance for losses is established through a charge to operations if the carrying value of a property exceeds fair value. 
Insurance Service And Fees	Insurance Service and Fees  Commission revenue from selling commercial and personal property and casualty insurance on behalf of the insurance carriers is recognized at the time of the sale of the policy or when a policy renews. Commission revenue from selling benefit plans to commercial customers on behalf of the insurance carriers is recognized each month when the customer continues with the benefit plan. The Company also receives contingent commissions from insurance companies which are based on the overall profitability of their relationship based primarily on the loss experience of the insurance placed by the Company. Contingent commissions from insurance companies are accrued throughout the year based on recent historical results. As loss events occur and overall performance becomes known, accrual adjustments are recorded until the cash is ultimately received. Financial services commissions and insurance claims services revenue are recognized when the services are rendered. Information on insurance service and fee revenue is included in Note 1 4 to these Consolidated Financial Statements, “ Revenue Recognition of Non-interest Income .” 
Goodwill And Other Intangible Assets	Goodwill and Other Intangible Assets  The Company records the excess of the cost of acquired entities over the fair value of identifiable tangible and intangible assets acquired, less liabilities assumed, as goodwill. The Company amortizes acquired intangible assets with definite useful economic lives over their useful economic lives utilizing the straight-line method. On a periodic basis, management assesses whether events or changes in circumstances indicate that the carrying amounts of the intangible assets may be impaired. The Company does not amortize goodwill and any acquired intangible asset with an indefinite useful economic life, but reviews them for impairment at a reporting unit level on an annual basis, or when events or changes in circumstances indicate that the carrying amounts may be impaired. A reporting unit is defined as any distinct, separately identifiable component of one of our operating segments for which complete, discrete financial information is available and reviewed regularly by the segment’s management.  The impairment test compares the fair value of the reporting unit with its carrying amount, including goodwill. The fair value of the reporting units is measured utilizing the average of a discounted cash flow model and a market value based on a multiple to earnings before interest, taxes, depreciation, and amortization (“EBITDA”) for similar companies. When modeling future cash flows, management considered historical information, the operating budget, and strategic goals in projecting net income and cash flows for the next five years. 
Bank-Owned Life Insurance	Bank-Owned Life Insurance  The Bank has purchased insurance on the lives of Company directors and certain members of the Company’s management. The policies accumulate asset values to meet future liabilities, including the payment of employee benefits, such as retirement benefits. Increases in the cash surrender value are recorded as other income in the Company’s Consolidated Statements of Income.
Properties And Equipment	Properties and Equipment  Properties and equipment are stated at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the estimated useful lives of the assets, which range from 3 to 39 years. Impairment losses on properties and equipment are realized if the carrying amount is not recoverable from its undiscounted cash flows and exceeds its fair value.
Income Taxes	Income Taxes  Deferred tax assets and liabilities are recognized for the future tax effects attributable to differences between the financial statement value of existing assets and liabilities and their respective tax bases and carryforwards. Deferred tax assets and liabilities are reflected at currently enacted income tax rates applicable to the periods in which the deferred tax assets or liabilities are expected to be realized or settled. As changes in tax laws or rates are enacted, deferred tax assets and liabilities are adjusted through income tax expense.  The Bank has invested in partnerships that incur expenses related to the rehabilitation of a certified historic structure located in New York State. At the time the historic structure is placed in service, the Bank is eligible for a federal and New York State tax credit. At the same time, the Bank evaluates its investment, which is valued at the present value of the expected cash flows from its partnership interest. If the investment is determined to be impaired, the Bank will record that impairment loss on its income statement in non-interest income. The federal tax credit impact is included in the Company’s estimated effective tax rate calculation and recorded in income tax expense. For New York State, any new credit earned from rehabilitated historic properties placed in service on or after January 1, 2015 not used in the current tax year will be treated as a refund or overpayment of tax to be credited to the next year’s tax. Since the realization of the tax credit does not depend on the Bank’s generation of future taxable income or the Bank’s ongoing tax status or tax position, the refund is not considered an element of income tax accounting. In such cases, the Bank would not record the credit as a reduction of income tax expense; rather, the Bank includes the refundable New York State tax credit in non-interest income with a corresponding receivable recorded in other assets.
Earnings Per Share	Earnings Per Share  Earnings per common share is determined by dividing net income by the weighted average number of shares outstanding during the period. Diluted earnings per common share is based on increasing the weighted-average number of shares of common stock by the number of shares of common stock that would be issued assuming the exercise of stock options. Such adjustments to weighted-average number of shares of common stock outstanding are made only when such adjustments are expected to dilute earnings per common share. There were 70,369 , 118,861 , and 122,434 potentially dilutive shares of common stock included in calculating diluted earnings per share for the years ended December 31, 2019, 2018, and 2017, respectively. Potential common shares that would have the effect of increasing diluted earnings per share are considered to be anti-dilutive and are not included in calculating diluted earnings per share. There were 43,385 , 27,600 and zero anti-dilutive shares at December 31, 2019, 2018 and 2017, respectively.
Treasury Stock	Treasury Stock  Repurchases of shares of Evans Bancorp, Inc. stock are recorded at cost as a reduction of shareholders’ equity. Reissuances of shares of treasury stock are recorded at market value.
Comprehensive Income	Comprehensive Income  Comprehensive income includes both net income and other comprehensive income, including the change in unrealized gains and losses on securities available for sale, and the change in the liability related to pension costs, net of tax. 
Employee Benefits	Employee Benefits  The Bank maintains a non-contributory, qualified, defined benefit pension plan (the “Pension Plan”) that covered substantially all employees before it was frozen on January 31, 2008. All benefits eligible participants had accrued in the Pension Plan until the freeze date have been retained. Employees have not accrued additional benefits in the Pension Plan from that date. The actuarially determined pension benefit in the form of a life annuity is based on the employee’s combined years of service, age and compensation. The Bank’s policy is to fund the minimum amount required by government regulations. Employees are eligible to receive these benefits at normal retirement age.  The Bank maintains a defined contribution 401(k) plan and accrues contributions due under this plan as earned by employees. In addition, the Bank maintains a non-qualified Supplemental Executive Retirement Plan for certain members of senior management, a non-qualified Deferred Compensation Plan for directors and certain members of management, and a non-qualified Executive Incentive Retirement Plan for certain members of management, as described more fully in Note 11 to these Consolidated Financial Statements, “Employee Benefits and Deferred Compensation Plans.”
Stock-Based Compensation	Stock-based Compensation  Stock-based compensation expense is recognized over the vesting period of the stock-based grant based on the estimated grant date value of the stock-based compensation that is expected to vest. The Company accounts for forfeitures of stock awards when they occur. When stock awards are granted, the Company assumes that the service condition will be achieved when determining the initial amount of compensation cost recognized. Information on the determination of the estimated value of stock-based awards used to calculate stock-based compensation expense is included in Note 12 to these Consolidated Financial Statements, “Stock-Based Compensation.”
Loss Contingencies	Loss Contingencies  Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. 
Financial Instruments With Off-Balance Sheet Risk	Financial Instruments with Off-Balance Sheet Risk  In the ordinary course of business, the Bank has entered into off-balance sheet financial arrangements consisting of commitments to extend credit and standby letters of credit. The Bank provides guarantees in the form of standby letters of credit, which represent an irrevocable obligation to make payments to a third party if the borrower defaults on its obligation under a borrowing or other contractual arrangement with the third party. The Bank could potentially be required to make payments to the extent of the amount guaranteed by the standby letters of credit based on the terms of the agreement. The maximum potential amount of future payments under standby letters of credit was $4.3 million and $3.4 million as of December 31, 2019 and 2018, respectively. There were no liabilities recorded on the Consolidated Balance Sheets related to standby letters of credit as of December 31, 2019 and 2018, respectively, reflecting management’s assessment of the value of the guarantee given the lack of historical activity and the likelihood of current customers to draw on the letters of credit. The Bank has not incurred any losses on its commitments during the past three years and has not recorded a reserve for its commitments. 
Advertising Costs	Advertising costs  Advertising costs are expensed as incurred.
Recent Accounting Pronouncements And Developments	RECENT ACCOUNTING PRONOUNCEMENTS AND DEVELOPMENTS  The FASB establishes changes to U.S. GAAP in the form of accounting standards updates (“ASUs”) to the FASB Accounting Standards Codification. The Company considers the applicability and impact of all ASUs when they are issued by FASB. ASUs listed below were adopted by the Company during its current fiscal year. ASUs not listed below did not have a material impact on the Company’s consolidated financial position, results of operations, cash flows or disclosures.  On January 1, 2019, the Company adopted ASU 2016-02 Leases and all subsequent amendments (collectively, “ASU 2016-02”). The objective of this ASU is to increase transparency and comparability among organizations by recognizing lease assets and lease liabilities on the balance sheet and disclosing key information about leasing arrangements to meet that objective. The main difference between previous GAAP and this ASU is the recognition of lease assets and lease liabilities by lessees for those leases classified as operating leases under previous GAAP. Under this new guidance, a lessee should recognize in the statement of financial position a liability to make lease payments and a right-of-use (“ROU”) asset representing its right to use the underlying asset for the lease term. The recognition, measurement, and presentation of expenses and cash flows arising from a lease by a lessee have not significantly changed from previous GAAP.  ASU 2016-02 required a modified retrospective transition approach, applying the new standard to all leases existing at the date of initial application. The Company elected to use the effective date, January 1, 2019, as our date of initial application. Consequently, financial information will not be updated and the disclosures required under the new standard will not be provided for dates and periods before January 1, 2019. In addition, the Company elected the package of practical expedients permitted under the transition guidance within the new standard, which among other things, allowed us to carry forward the historical lease classification.  Under ASU 2016-02, leases are classified as finance or operating, with the classification affecting the pattern and classification of expense recognition in the income statement. The Company’s leases, consisting of property leases for certain of our bank branches and insurance agency offices, are classified as operating leases. Operating lease ROU assets and liabilities are recognized at commencement date based on the present value of lease payments over the lease term. As these leases do not provide an implicit rate, we use our incremental borrowing rate in determining the present value of lease payments. Our lease terms include options to extend or terminate the lease when it is reasonably certain that we will exercise that option. Leases with an initial term of 12 months or less are not recorded on the balance sheet. Lease expense for lease payments is recognized on a straight-line basis over the lease term.  ASU 2016-02 had an impact on the Company’s consolidated balance sheets, but did not have an impact on the consolidated statements of income or the consolidated statements of cash flows. The most significant impacts upon adoption on January 1, 2019 were the recognition of $4.3 million of ROU assets and $4.7 million of lease liabilities, including $0.4 million of liabilities that were reported in other liabilities in the Company’s December 31, 2018 consolidated balance sheet. ROU assets and lease liability were $3.7 million and $4.2 million, respectively, at December 31, 2019. Operating lease expenses during 2019 were $0.7 million, and are included in other non-interest expense on the consolidated statement of income. Cash paid for amounts included in the measurement of lease liabilities during 2019 were $0.7 million and are included in cash flows from operating activities on the consolidated statement of cash flows. The weighted average discount rate related to the Company’s leases was 3.5% as of December 31, 2019. The weighted average remaining lease term related to the Company’s leases was 8.5 years as of December 31, 2019. Future minimum lease payments under non-cancellable leases as of December 31, 2019 were as follows:     Year Ending December 31,  2020 $ 748  2021 682  2022 694  2023 589  2024 452  Thereafter 1,640  Total future minimum lease payments 4,805  Less imputed interest 651  Total $ 4,154  The future minimum lease payments under non-cancellable leases prior to the adoption of ASU 2016-02 were $736 thousand in 2020; $682 thousand in 2021; $694 thousand in 2022; $580 thousand in 2023, and $2.1 million thereafter.  Accounting standards that have been recently issued but not yet required to be adopted as of December 31, 2019, to the extent management believes their adoption will have a material impact on the Company’s financial condition, results of operations, cash flows or disclosures, are discussed below.  ASU 2016-13, Financial Instruments – Credit Losses: Measurement of Credit Losses on Financial Instruments – Current GAAP requires an “incurred loss” methodology for recognizing credit losses that delays recognition until it is probable a loss has been incurred. Both financial institutions and users of their financial statements expressed concern that current GAAP restricts the ability to record credit losses that are expected, but do not yet meet the “probable” threshold. The main objective of this ASU (commonly known as the Current Expected Credit Loss Impairment Model, or CECL, in the industry) is to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments and other commitments to extend credit held by a reporting entity at each reporting date. To achieve this objective, the amendments in CECL replace the incurred loss impairment methodology in current GAAP with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. The Company is developing its approach for determining expected credit losses under the new guidance, including the licensing of new software and the development of processes to track loan performance. The total impact of CECL to the Company’s financial statements is unknown but may be material. On October 16, 2019, the FASB affirmed its decision to amend the effective date for the amendments in CECL for smaller reporting companies to fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. Early adoption is allowed for fiscal years beginning after December 15, 2018. The Company intends to early adopt CECL effective January 1, 2022.  ASU 2017-4, Simplifying the Test for Goodwill Impairment – The amendments in this ASU eliminate step 2 from the goodwill impairment test . The Company adopted the amended guidance effective January 1, 2020 using a prospective transition method and will incorporate the guidance as necessary when circumstances arise for the guidance to be utilized. The Company does not expect the guidance will have a material impact on its consolidated financial statements, unless at some point in the future one of its reporting units were to fail step 1 of the goodwill impairment test.  ASU 2018-13, Disclosure Framework – Changes to the Disclosure Requirements for Fair Value Measurement – The amendments in this ASU modify the disclosure requirements on fair value measurements. The amendments on changes in unrealized gains and losses, the range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements, and the narrative description of measurement uncertainty should be applied prospectively for only the most recent interim or annual period presented in the initial fiscal year of adoption. All other amendments should be applied retrospectively to all periods presented upon their effective date. The Company adopted the amended guidance effective January 1, 2020 . Adoption of this ASU will impact the Company’s disclosures but will not impact the Company’s financial condition, results of operations or cash flows. ASU 2018-14, Disclosure Framework – Changes to the Disclosure Requirements for Defined Benefit Plans – The amendments in this ASU remove disclosures that no longer are considered cost beneficial, clarify the specific requirements of disclosures, and add disclosure requirements identified as relevant. The amendments in this ASU are effective for fiscal years ending after December 15, 2020. Adoption of this ASU will impact the Company’s disclosures but will not impact the Company’s financial condition, results of operations or cash flows.  AU 2019-12, Simplifying the Accounting for Income Taxes – The amendments in this ASU simplify the accounting for income taxes by removing the following exceptions : 1. Exception to the incremental approach for intraperiod tax allocation when there is a loss from continuing operations and income or a gain from other items (for example, discontinued operations or other comprehensive income) 2. Exception to the requirement to recognize a deferred tax liability for equity method investments when a foreign subsidiary becomes an equity method investment 3. Exception to the ability not to recognize a deferred tax liability for a foreign subsidiary when a foreign equity method investment becomes a subsidiary 4. Exception to the general methodology for calculating income taxes in an interim period when a year-to-date loss exceeds the anticipated loss for the year. The amendments also simplify the accounting for income taxes by doing the following: 1. Requiring that an entity recognize a franchise tax (or similar tax) that is partially based on income as an income based tax and account for any incremental amount incurred as a non-income-based tax. 2. Requiring that an entity evaluate when a step up in the tax basis of goodwill should be considered part of the business combination in which the book goodwill was originally recognized and when it should be considered a separate transaction. 3. Specifying that an entity is not required to allocate the consolidated amount of current and deferred tax expense to a legal entity that is not subject to tax in its separate financial statements. However, an entity may elect to do so (on an entity-by-entity basis) for a legal entity that is both not subject to tax and disregarded by the taxing authority. 4. Requiring that an entity reflect the effect of an enacted change in tax laws or rates in the annual effective tax rate computation in the interim period that includes the enactment date. 5. Making minor Codification improvements for income taxes related to employee stock ownership plans and investments in qualified affordable housing projects accounted for using the equity method. The amendments in this ASU related to separate financial statements of legal entities that are not subject to tax should be applied on a retrospective basis for all periods presented. The amendments related to changes in ownership of foreign equity method investments or foreign subsidiaries should be applied on a modified retrospective basis through a cumulative-effect adjustment to retained earnings as of the beginning of the fiscal year of adoption. The amendments related to franchise taxes that are partially based on income should be applied on either a retrospective basis for all periods presented or a modified retrospective basis through a cumulative-effect adjustment to retained earnings as of the beginning of the fiscal year of adoption. All other amendments should be applied on a prospective basis. Early adoption of the amendments in an interim period would require recognition of any adjustments as of the beginning of the annual period that includes that interim period. Th e amendments in this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020. Early adoption is permitted. The Company is evaluating the impact that the guidance will have on its consolidated financial statements.

Revenue Recognition Of Non-In_2

Revenue Recognition Of Non-Interest Income (Policy)	12 Months Ended
	Dec. 31, 2019
Revenue Recognition Of Non-Interest Income [Abstract]
Revenue Recognition	A description of the Company’s material revenue streams in non-interest income accounted for under ASC 606 follows:  Insurance Service and Fees: Insurance services revenue relates to various revenue streams from services provided by TEA and the Bank:     TEA earns commission revenue from selling commercial and personal property and casualty (“P&C”) insurance as well as employee benefits (“EB”) solutions to commercial customers.   TEA has agreements with various insurance companies to sell policies to customers on behalf of the carriers. The performance obligation for TEA is to sell annual P&C policies to commercial customers and consumers. This performance obligation is met when a new policy is sold or when an existing policy renews. The policies are generally one year terms. In the agreements with the respective insurance companies, a commission rate is agreed upon. The commission is recognized at the time of the sale of the policy or when a policy renews.  TEA has signed contracts with insurance carriers that enable TEA to sell benefit plans to commercial customers on behalf of the insurance carriers. The performance obligation for TEA is to sell the plans to commercial customers. After the initial sale when the customer signs an agreement to purchase the offered benefit plan, the performance obligation is met each month when a customer continues utilizing benefit plans from the carrier. The customer does not commit to a specific length of time with the carrier. In the agreements with the respective insurance companies, a commission rate is agreed upon. Revenue is recognized each month when the customer continues with the benefit plan sold by TEA.     TEA also earns contingent profit sharing revenue. The insurance companies measure the loss ratio for TEA’s customers and pay TEA according to how profitable TEA customers are.   TEA has signed written agreements with insurance carriers that document payouts to TEA based on the loss ratios of its customers. The performance obligation for TEA is to maintain a customer base with loss ratios below the agreed upon thresholds. In the contracts with the insurance companies, payout rates based on loss ratios are documented. The consideration is variable as loss ratios vary based on customer experience. TEA’s performance obligation is over the course of the year as its customers’ performance with insurance carriers is measured throughout the year as losses occur. Due to the variable nature of contingent profit sharing revenue, TEA will accrue contingent profit sharing revenue throughout the year based on recent historical results. As loss events occur and overall performance becomes known to TEA, accrual adjustments will be made until the cash is ultimately received.     Financial services commission revenue from the Bank related to wealth management such as life insurance, annuities, and mutual funds sales is also included in the “insurance service and fees” line of the income statement.   The Company earns wealth management fees from its contracts with customers for certain financial services. Fees that are transaction-based are recognized at the point in time that the transaction is executed. Other related services provided include financial planning services and the fees the Bank earns are recognized when the services are rendered.  · Insurance claims services revenue is recorded at Frontier Claims Services, Inc. (“FCS”).    FCS has signed agreements with insurance companies to perform claims services including investigative and adjustment services related to residential and commercial lines. The performance obligation is for FCS to investigate the insurance claims and inspecting the damage to determine the extent of the insurance company’s liability. FCS is paid based on time and materials expended to investigate the claim. The rates paid are determined in the agreement between FCS and the respective insurance companies. Upon completion of its claims inspection work, FCS bills the insurance company for services rendered and recognizes the revenue earned.

Organization And Summary Of S_3

Organization And Summary Of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2019
Organization And Summary Of Significant Accounting Policies [Abstract]
Schedule Of Future Minimum Lease Payments	   Year Ending December 31,  2020 $ 748  2021 682  2022 694  2023 589  2024 452  Thereafter 1,640  Total future minimum lease payments 4,805  Less imputed interest 651  Total $ 4,154 

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2019
Securities [Abstract]
Schedule Of Amortized Cost And Approximate Fair Value Of Securities	    2019  (in thousands)   Amortized Unrealized Fair  Cost Gains Losses Value   Available for Sale:  Debt securities:  U.S. government agencies $ 27,951 $ 225 $ (21) $ 28,155  States and political subdivisions 3,289 69 (7) 3,351  Total debt securities $ 31,240 $ 294 $ (28) $ 31,506   Mortgage-backed securities:  FNMA $ 34,395 $ 330 $ (53) $ 34,672  FHLMC 15,390 137 (13) 15,514  GNMA 3,421 16 (24) 3,413  SBA 13,752 90 (70) 13,772  CMO 29,019 190 (164) 29,045  Total mortgage-backed securities $ 95,977 $ 763 $ (324) $ 96,416   Total securities designated as available for sale $ 127,217 $ 1,057 $ (352) $ 127,922   Held to Maturity:  Debt securities  States and political subdivisions $ 2,386 $ 24 $ (18) $ 2,392   Total securities designated as held to maturity $ 2,386 $ 24 $ (18) $ 2,392        2018  (in thousands)   Amortized Unrealized Fair  Cost Gains Losses Value   Available for Sale:  Debt securities:  U.S. government agencies $ 34,597 $ 2 $ (671) $ 33,928  States and political subdivisions 22,168 69 (64) 22,173  Total debt securities $ 56,765 $ 71 $ (735) $ 56,101   Mortgage-backed securities:  FNMA $ 27,747 $ 21 $ (729) $ 27,039  FHLMC 14,645 11 (431) 14,225  GNMA 1,660 6 (36) 1,630  SBA 9,432 - (299) 9,133  CMO 25,025 6 (1,055) 23,976  Total mortgage-backed securities $ 78,509 $ 44 $ (2,550) $ 76,003   Total securities designated as available for sale $ 135,274 $ 115 $ (3,285) $ 132,104   Held to Maturity:  Debt securities  States and political subdivisions $ 1,685 $ 11 $ (22) $ 1,674   Total securities designated as held to maturity $ 1,685 $ 11 $ (22) $ 1,674   
Scheduled Maturities Of Debt And Mortgage-Backed Securities	    2019 2018  Amortized Estimated Amortized Estimated  cost fair value cost fair value  (in thousands) (in thousands)   Debt securities available for sale:   Due in one year or less $ 6,005 $ 6,014 $ 5,074 $ 5,075  Due after one year through five years 6,481 6,626 22,637 22,448  Due after five years through ten years 18,754 18,866 28,870 28,391  Due after ten years - - 184 187  31,240 31,506 56,765 56,101   Mortgage-backed securities  available for sale 95,977 96,416 78,509 76,003   Total $ 127,217 $ 127,922 $ 135,274 $ 132,104   Debt securities held to maturity:   Due in one year or less $ 1,139 $ 1,140 $ 693 $ 693  Due after one year through five years 712 732 811 811  Due after five years through ten years 54 54 93 89  Due after ten years 481 466 88 81  Total $ 2,386 $ 2,392 $ 1,685 $ 1,674  
Unrealized Losses On Securities	   2019   Less than 12 months 12 months or longer Total  Fair Unrealized Fair Unrealized Fair Unrealized  Value Losses Value Losses Value Losses  (in thousands)  Available for Sale:  Debt securities:  U.S. government agencies $ 1,976 $ (18) $ 3,997 $ (3) $ 5,973 $ (21)  States and political subdivisions - - 181 (7) 181 (7)  Total debt securities $ 1,976 $ (18) $ 4,178 $ (10) $ 6,154 $ (28)   Mortgage-backed securities:  FNMA $ 5,355 $ (38) $ 3,630 $ (15) $ 8,985 $ (53)  FHLMC - - 1,242 (13) 1,242 (13)  GNMA 2,091 (22) 770 (2) 2,861 (24)  SBA 5,171 (70) - - 5,171 (70)  CMO 5,706 (36) 8,911 (128) 14,617 (164)  Total mortgage-backed securities $ 18,323 $ (166) $ 14,553 $ (158) $ 32,876 $ (324)   Held to Maturity:  Debt securities:  States and political subdivisions $ 227 $ (1) $ 2,165 $ (17) $ 2,392 $ (18)   Total temporarily impaired  securities $ 20,526 $ (185) $ 20,896 $ (185) $ 41,422 $ (370)    2018   Less than 12 months 12 months or longer Total  Fair Unrealized Fair Unrealized Fair Unrealized  Value Losses Value Losses Value Losses  (in thousands)  Available for Sale:  Debt securities:  U.S. government agencies $ 9,931 $ (49) $ 21,144 $ (622) $ 31,075 $ (671)  States and political subdivisions 5,218 (15) 6,893 (49) 12,111 (64)  Total debt securities $ 15,149 $ (64) $ 28,037 $ (671) $ 43,186 $ (735)   Mortgage-backed securities:  FNMA $ 2,637 $ (21) $ 23,667 $ (708) $ 26,304 $ (729)  FHLMC 1,895 (25) 11,899 (406) 13,794 (431)  GNMA - - 926 (36) 926 (36)  SBA - - 9,133 (299) 9,133 (299)  CMO - - 23,127 (1,055) 23,127 (1,055)  Total mortgage-backed securities $ 4,532 $ (46) $ 68,752 $ (2,504) $ 73,284 $ (2,550)   Held to Maturity:  Debt securities:  States and political subdivisions $ 156 $ - $ 722 $ (22) $ 878 $ (22)   Total temporarily impaired  securities $ 19,837 $ (110) $ 97,511 $ (3,197) $ 117,348 $ (3,307) 

Loans And The Allowance For L_2

Loans And The Allowance For Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2019
Loans And The Allowance For Loan Losses [Abstract]
Schedule Of Loan Portfolio Composition	  December 31, 2019 December 31, 2018  Mortgage loans on real estate: (in thousands)  Residential mortgages $ 158,572 $ 158,404  Commercial and multi-family 645,036 592,507  Construction-Residential 1,067 113  Construction-Commercial 97,848 105,196  Home equities 69,351 70,546  Total real estate loans 971,874 926,766   Commercial and industrial loans 251,197 226,057  Consumer and other loans 1,926 1,520  Net deferred loan origination costs 1,534 1,587  Total gross loans 1,226,531 1,155,930   Allowance for loan losses (15,175) (14,784)   Loans, net $ 1,211,356 $ 1,141,146 
Changes In The Allowance For Loan Losses	    2019 2018 2017  (in thousands)  Balance, beginning of year $ 14,784 $ 14,019 $ 13,916  Provisions for loan losses 75 1,402 738  Recoveries 841 54 350  Charge-offs (525) (691) (985)  Balance, end of year $ 15,175 $ 14,784 $ 14,019 
Schedule Of Allowance For Loan Losses According To Portfolio Segment	     2019   (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total  Allowance for loan  losses:  Beginning balance $ 4,368 $ 8,844 $ 106 $ 1,121 $ 345 $ 14,784  Charge-offs (301) (33) (156) (13) (22) (525)  Recoveries 797 2 42 - - 841  Provision (Credit) (317) 192 163 (37) 74 75  Ending balance $ 4,547 $ 9,005 $ 155 $ 1,071 $ 397 $ 15,175   Allowance for loan  losses:  Ending balance:  Individually evaluated  for impairment $ 442 $ 9 $ 21 $ 5 $ - $ 477  Collectively evaluated  for impairment 4,105 8,996 134 1,066 397 14,698  Total $ 4,547 $ 9,005 $ 155 $ 1,071 $ 397 $ 15,175   Loans:  Ending balance:  Individually evaluated  for impairment $ 6,558 $ 7,791 $ 21 $ 2,804 $ 1,453 $ 18,627  Collectively evaluated  for impairment 244,639 735,093 1,905 156,835 67,898 1,206,370  Total $ 251,197 $ 742,884 $ 1,926 $ 159,639 $ 69,351 $ 1,224,997   N ote : Loan balances do not include $ 1. 5 million in net deferred loan origination costs as of December 31, 2019. * includes construction loans       2018   (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total  Allowance for loan  losses:  Beginning balance $ 5,204 $ 7,409 $ 109 $ 950 $ 347 $ 14,019  Charge-offs (203) (262) (113) (86) (27) (691)  Recoveries 41 - 12 - 1 54  Provision (Credit) (674) 1,697 98 257 24 1,402  Ending balance $ 4,368 $ 8,844 $ 106 $ 1,121 $ 345 $ 14,784   Allowance for loan  losses:  Ending balance:  Individually evaluated  for impairment $ 249 $ 716 $ 23 $ 85 $ - $ 1,073  Collectively evaluated  for impairment 4,119 8,128 83 1,036 345 13,711  Total $ 4,368 $ 8,844 $ 106 $ 1,121 $ 345 $ 14,784   Loans:  Ending balance:  Individually evaluated  for impairment $ 3,701 $ 15,290 $ 23 $ 2,814 $ 1,887 $ 23,715  Collectively evaluated  for impairment 222,356 682,413 1,497 155,703 68,659 1,130,628  Total $ 226,057 $ 697,703 $ 1,520 $ 158,517 $ 70,546 $ 1,154,343   Note : Loan balances do not include $1. 6 million in net deferred loan origination costs as of December 31, 2018. * includes construction loans
Data, At Class Level, Of Credit Quality Indicators Of Certain Loans	      2019  (in thousands)  Corporate Credit Exposure – By Credit Rating Commercial Real Estate Construction Commercial and Multi-Family Mortgages Total Commercial Real Estate Commercial and Industrial  Acceptable or better $ 73,646 $ 451,297 $ 524,943 $ 165,255  Watch 13,380 171,277 184,657 68,665  Special Mention 8,359 15,725 24,084 7,631  Substandard 2,463 6,737 9,200 9,646  Doubtful/Loss - - - -  Total $ 97,848 $ 645,036 $ 742,884 $ 251,197      2018  (in thousands)  Corporate Credit Exposure – By Credit Rating Commercial Real Estate Construction Commercial and Multi-Family Mortgages Total Commercial Real Estate Commercial and Industrial  Acceptable or better $ 65,932 $ 466,294 $ 532,226 $ 155,687  Watch 30,628 109,409 140,037 57,366  Special Mention - 10,583 10,583 4,105  Substandard 8,636 6,221 14,857 8,870  Doubtful/Loss - - - 29  Total $ 105,196 $ 592,507 $ 697,703 $ 226,057 
Recorded Investment In Loans Past Due	     2019  (in thousands)   Current Non-accruing Total  Balance 30-59 days 60-89 days 90+ days Loans Balance   Commercial and industrial $ 245,658 $ 705 $ - $ - $ 4,834 $ 251,197  Residential real estate:  Residential 153,630 2,616 888 - 1,438 158,572  Construction 865 - 202 - - 1,067  Commercial real estate:  Commercial 630,016 3,482 5,879 - 5,659 645,036  Construction 92,667 2,886 720 - 1,575 97,848  Home equities 67,868 354 239 - 890 69,351  Consumer and other 1,907 15 4 - - 1,926  Total Loans $ 1,192,611 $ 10,058 $ 7,932 $ - $ 14,396 $ 1,224,997        2018  (in thousands)   Current Non-accruing Total  Balance 30-59 days 60-89 days 90+ days Loans Balance   Commercial and industrial $ 217,625 $ 6,173 $ 565 $ - $ 1,694 $ 226,057  Residential real estate:  Residential 154,063 2,546 332 - 1,463 158,404  Construction 113 - - - - 113  Commercial real estate:  Commercial 582,016 4,546 - - 5,945 592,507  Construction 95,204 1,027 329 - 8,636 105,196  Home equities 69,094 123 76 - 1,253 70,546  Consumer and other 1,514 5 1 - - 1,520  Total Loans $ 1,119,629 $ 14,420 $ 1,303 $ - $ 18,991 $ 1,154,343 
Data, At Class Level, Of Impaired Loans	      At December 31, 2019  Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized  With no related allowance recorded: (in thousands)  Commercial and industrial $ 3,798 $ 4,112 $ - $ 4,046 $ 118 $ 143  Residential real estate:  Residential 2,744 3,003 - 2,823 73 63  Construction - - - - - -  Commercial real estate:  Commercial 6,019 6,521 - 6,293 225 72  Construction 1,335 1,352 - 1,344 23 50  Home equities 1,453 1,687 - 1,525 64 30  Consumer and other - - - - - -  Total impaired loans $ 15,349 $ 16,675 $ - $ 16,031 $ 503 $ 358      At December 31, 2019  Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized  With a related allowance recorded: (in thousands)  Commercial and industrial $ 2,760 $ 2,808 $ 442 $ 2,764 $ 109 $ 63  Residential real estate:  Residential 60 62 5 61 3 1  Construction - - - - - -  Commercial real estate:  Commercial 197 197 4 197 8 4  Construction 240 246 5 242 8 9  Home equities - - - - - -  Consumer and other 21 23 21 22 - 1  Total impaired loans $ 3,278 $ 3,336 $ 477 $ 3,286 $ 128 $ 78      At December 31, 2019  Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized  Total: (in thousands)  Commercial and industrial $ 6,558 $ 6,920 $ 442 $ 6,810 $ 227 $ 206  Residential real estate:  Residential 2,804 3,065 5 2,884 76 64  Construction - - - - - -  Commercial real estate:  Commercial 6,216 6,718 4 6,490 233 76  Construction 1,575 1,598 5 1,586 31 59  Home equities 1,453 1,687 - 1,525 64 30  Consumer and other 21 23 21 22 - 1  Total impaired loans $ 18,627 $ 20,011 $ 477 $ 19,317 $ 631 $ 436       At December 31, 2018  Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized  With no related allowance recorded: (in thousands)  Commercial and industrial $ 1,633 $ 2,611 $ - $ 1,785 $ 116 $ 65  Residential real estate:  Residential 2,289 2,483 - 2,337 45 69  Construction - - - - - -  Commercial real estate:  Commercial 6,538 6,914 - 6,733 220 115  Construction 116 116 - 143 - 12  Home equities 1,887 2,058 - 1,952 71 43  Consumer and other - - - - - -  Total impaired loans $ 12,463 $ 14,182 $ - $ 12,950 $ 452 $ 304     At December 31, 2018  Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized  With a related allowance recorded: (in thousands)  Commercial and industrial $ 2,068 $ 2,095 $ 249 $ 2,098 $ 17 $ 125  Residential real estate:  Residential 525 556 85 520 22 3  Construction - - - - - -  Commercial real estate:  Commercial - - - - - -  Construction 8,636 8,975 716 8,793 379 113  Home equities - - - - - -  Consumer and other 23 27 23 23 - 2  Total impaired loans $ 11,252 $ 11,653 $ 1,073 $ 11,434 $ 418 $ 243      At December 31, 2018  Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Foregone Interest Income Recognized  Total: (in thousands)  Commercial and industrial $ 3,701 $ 4,706 $ 249 $ 3,883 $ 133 $ 190  Residential real estate:  Residential 2,814 3,039 85 2,857 67 72  Construction - - - - - -  Commercial real estate:  Commercial 6,538 6,914 - 6,733 220 115  Construction 8,752 9,091 716 8,936 379 125  Home equities 1,887 2,058 - 1,952 71 43  Consumer and other 23 27 23 23 - 2  Total impaired loans $ 23,715 $ 25,835 $ 1,073 $ 24,384 $ 870 $ 547  
Loans Classified As Troubled Debt Restructurings	   December 31, 2019  (in thousands)  Total Nonaccruing Accruing Related Allowance  Commercial and industrial $ 2,052 $ 328 $ 1,724 $ 26  Residential real estate:  Residential 1,815 449 1,366 -  Construction - - - -  Commercial real estate:  Commercial and multi-family 3,632 3,075 557 -  Construction - - - -  Home equities 738 175 563 -  Consumer and other 21 - 21 21  Total TDR loans $ 8,258 $ 4,027 $ 4,231 $ 47       December 31, 2018  (in thousands)  Total Nonaccruing Accruing Related Allowance  Commercial and industrial $ 2,282 $ 275 $ 2,007 $ 154  Residential real estate:  Residential 1,617 266 1,351 14  Construction - - - -  Commercial real estate:  Commercial and multi-family 4,164 3,571 593 -  Construction 8,753 8,637 116 716  Home equities 756 122 634 -  Consumer and other 23 - 23 23  Total TDR loans $ 17,595 $ 12,871 $ 4,724 $ 907 
TDR Activity By Type Of Concession Granted To Borrower	   Year ended December 31, 2019 Year ended December 31, 2018  (Recorded Investment in thousands) (Recorded Investment in thousands)  Troubled Debt Restructurings by Type of Concession Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment   Commercial and Industrial:  Extension of maturity 2 $ 189 $ 189 2 $ 1,651 $ 1,651  Term-out line of credit 1 42 42 1 29 29  Combination of concessions - - - 1 63 63  Residential Real Estate & Construction:  Extension of maturity - - - 1 156 156  Extension of maturity and  interest rate reduction 3 307 307 - - -  Commercial Real Estate & Construction:  Deferral of principal - - - 1 8,768 8,768  Extension of maturity - - - 1 181 181  Combination of concessions - - - 1 154 154  Home Equities:  Deferral of principal - - - 1 100 100  Extension of maturity and  interest rate reduction 3 390 390 - - -  Combination of concessions 1 54 54 - - -  Consumer and other loans - - - - - - 

Properties And Equipment (Table

Properties And Equipment (Tables)	12 Months Ended
	Dec. 31, 2019
Properties And Equipment [Abstract]
Schedule Of Properties And Equipment	  2019 2018  (in thousands)  Land $ 268 $ 268  Buildings and improvements 13,261 13,258  Furniture, fixtures, and equipment 17,219 16,375  Construction in progress 3,688 -  34,436 29,901  Less accumulated depreciation (20,682) (19,416)  Properties and equipment, net $ 13,754 $ 10,485 

Other Assets (Tables)

Other Assets (Tables)	12 Months Ended
	Dec. 31, 2019
Other Assets [Abstract]
Schedule Of Other Assets	    2019 2018  (in thousands)  Net deferred tax asset $ 3,957 $ 4,417  Accrued interest receivable 4,606 4,594  State historic tax credit receivable 1,969 1,854  Prepaid expenses 1,367 1,451  Mortgage servicing rights 555 609  Historic tax credit investments 1,222 1,243  Accounts receivable 2,111 3,002  Other 941 904  Total other assets $ 16,728 $ 18,074  

Goodwill And Intangible Assets

Goodwill And Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2019
Goodwill and Intangible Assets [Abstract]
Schedule Of Intangible Assets	   2019 Gross Carrying Amount Accumulated Amortization Net Weighted Avg Amortization Period  (in thousands)   Insurance expirations $ 2,865 $ (840) $ 2,025 5 years      2018 Gross Carrying Amount Accumulated Amortization Net Weighted Avg Amortization Period  (in thousands)   Insurance expirations $ 2,865 $ (393) $ 2,472 6 years  
Schedule Of Expected Amortization Expense	   Year Ending December 31 Amount  (in thousands)  2020 $ 447  2021 447  2022 334  2023 325  2024 - 2025 472  $ 2,025 

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2019
Deposits [Abstract]
Schedule Of Maturities Of Time Deposits	   (in thousands)  2020 $ 208,728  2021 47,227  2022 10,101  2023 8,829  2024 1,042  $ 275,927 

Borrowed Funds And Junior Sub_2

Borrowed Funds And Junior Subordinated Debentures (Tables)	12 Months Ended
	Dec. 31, 2019
Borrowed Funds And Junior Subordinated Debentures [Abstract]
Schedule Of Amounts And Interest Rates Of Other Borrowed Funds	   FHLB Overnight Line of Credit FHLB Advances Total Other Borrowings  (in thousands)  At December 31, 2019  Amount outstanding $ - $ 10,000 $ 10,000  Weighted-average interest rate - % 1.73 % 1.73 %   For the year ended December 31, 2019  Highest amount at a month end $ - $ 10,000  Daily average amount outstanding $ 11 $ 10,000 $ 10,011  Weighted-average interest rate 2.70 % 1.73 % 1.73 %   At December 31, 2018  Amount outstanding $ - $ 10,000 $ 10,000  Weighted-average interest rate - % 1.73 % 1.73 %   For the year ended December 31, 2018  Highest amount at a month end $ 78,900 $ 10,000  Daily average amount outstanding $ 20,981 $ 10,000 $ 30,981  Weighted-average interest rate 1.76 % 1.73 % 1.75 %   At December 31, 2017  Amount outstanding $ 78,250 $ 10,000 $ 88,250  Weighted-average interest rate 1.53 % 1.73 % 1.55 %   For the year ended December 31, 2017  Highest amount at a month end $ 78,250 $ 10,000  Daily average amount outstanding $ 16,491 $ 10,000 $ 26,491  Weighted-average interest rate 1.36 % 1.73 % 1.50 % 

Comprehensive Income (Loss) (Ta

Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2019
Comprehensive Income (Loss) [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	   Balance at December 31, 2018 Net Change Balance at December 31, 2019  (in thousands)  Net unrealized (loss) gain on investment securities $ (2,348) $ 2,870 $ 522  Net defined benefit pension plan adjustments (3,005) (100) (3,105)  Total $ (5,353) $ 2,770 $ (2,583)      Balance at December 31, 2017 Net Change Balance at December 31, 2018  (in thousands)  Net unrealized loss on investment securities $ (1,049) $ (1,299) $ (2,348)  Net defined benefit pension plan adjustments (2,368) (637) (3,005)  Total $ (3,417) $ (1,936) $ (5,353)      Balance at December 31, 2016 Net Change Balance at December 31, 2017  (in thousands)  Net unrealized loss on investment securities $ (365) $ (684) $ (1,049)  Net defined benefit pension plan adjustments (2,059) (309) (2,368)  Total $ (2,424) $ (993) $ (3,417)  
Components Of Other Comprehensive Income (Loss)	  December 31, 2019 (in thousands)  Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount  Unrealized loss on investment securities:  Unrealized gain (loss) on investment securities $ 3,875 $ (1,005) $ 2,870   Defined benefit pension plans adjustments:  Net actuarial (loss) gain $ (581) $ 212 $ (369)  Reclassifications from accumulated other  comprehensive income for gains (losses)  Amortization of prior service cost (a) 32 (9) 23  Amortization of actuarial loss (a) 332 (86) 246  Net change (217) 117 (100)   Other Comprehensive Income (Loss) $ 3,658 $ (888) $ 2,770   (a) Included in net periodic pension cost as described in Note 11 – “Employee Benefits and Deferred Compensation Plans”         December 31, 2018 (in thousands)  Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount  Unrealized loss on investment securities:  Unrealized (loss) gain on investment securities $ (1,756) $ 457 $ (1,299)   Defined benefit pension plans adjustments:  Net actuarial gain (loss) $ (987) $ 196 $ (791)  Reclassifications from accumulated other  comprehensive income for gains (losses)  Amortization of prior service cost (a) 31 (5) 26  Amortization of actuarial loss (a) 169 (41) 128  Net change (787) 150 (637)   Other Comprehensive Income (Loss) $ (2,543) $ 607 $ (1,936)  (a) Included in net periodic pension cost as described in Note 11 – “Employee Benefits and Deferred Compensation Plans ”     December 31, 2017 (in thousands)  Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Tax effect reclass due to TCJA Total Net Change  Unrealized loss on investment securities:  Unrealized (loss) gain on investment securities $ (826) $ 319 $ (507) $ (177) $ (684)   Defined benefit pension plans adjustments:  Net actuarial gain (loss) $ (30) $ 11 $ (19)  Reclassifications from accumulated other  comprehensive income for gains (losses)  Amortization of prior service cost (a) 31 (4) 27  Amortization of actuarial loss (a) 173 (36) 137  Net change 174 (29) 145 (454) (309)   Other Comprehensive Income (Loss) $ (652) $ 290 $ (362) $ (631) $ (993)  (a) Included in net periodic pension cost as described in Note 11 – “Employee Benefits and Deferred Compensation Plans”

Employee Benefits And Deferre_2

Employee Benefits And Deferred Compensation Plans (Tables)	12 Months Ended
	Dec. 31, 2019
Pension Benefits [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Schedule Of Defined Benefit Plans Disclosures	    12/31/2019 12/31/2018  Change in benefit obligation: (in thousands)  Benefit obligation at the beginning of the year $ 5,390 $ 5,842  Service cost - -  Interest cost 223 205  Assumption change 978 (491)  Actuarial (gain) loss 38 50  Benefits paid (227) (216)  Benefit obligation at the end of the year 6,402 5,390   Change in plan assets:  Fair value of plan assets at the beginning of year 5,180 5,787  Actual return on plan assets 1,091 (391)  Employer contributions - -  Benefits paid (227) (216)  Fair value of plan assets at the end of year 6,044 5,180   Funded status $ (358) $ (210)   Amount recognized in the Consolidated Balance Sheets consist of:  Accrued benefit liabilities $ (358) $ (210)  Amount recognized in the Accumulated Other Comprehensive Loss consists of:  Net actuarial loss $ 2,477 $ 2,372  Prior service cost - -  Net amount recognized in equity - pre-tax $ 2,477 $ 2,372   Accumulated benefit obligation at year end $ 6,402 $ 5,390 
Schedule Of Assumptions Used	    2019 2018 2017  Discount rate for projected benefit obligation 3.20 % 4.20 % 3.55 %  Discount rate for net periodic pension cost 4.20 % 3.55 % 3.95 %  Rate of increase in compensation levels - % - % - %  Expected long-term rate of return of plan assets 5.50 % 5.50 % 6.50 % 
Schedule Of Net Periodic Benefit Cost	    2019 2018 2017  (in thousands)  Service cost $ - $ - $ -  Interest cost 223 205 216  Expected return on plan assets (278) (312) (275)  Net amortization and deferral 98 83 92  Net periodic benefit cost $ 43 $ (24) $ 33 
Schedule Of Weighted Average Asset Allocation	   Asset Category: 2019 2018  Equity mutual funds 27.28 % 26.53 %  Fixed income mutual funds 71.59 % 71.61 %  Cash/Short-term investments 1.13 % 1.86 %  100.00 % 100.00 % 
Schedule Of Major Categories Of Assets	    2019 2018  (in thousands)  Level 1:  Cash 13 -  Mutual funds:  Short-term investments:  Money market $ 55 $ 96  Fixed Income: 4,327 3,710  Equities:  Large cap 617 576  International large cap 1,032 789  International small cap - 9  $ 6,044 $ 5,180 
Schedule Of Expected Benefit Payments	   (in thousands)  2020 $ 219  2021 234  2022 268  2023 291  2024 338  Year 2025 - 2029 1,722 
Supplemental Executive Retirement Plan [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Schedule Of Defined Benefit Plans Disclosures	    12/31/2019 12/31/2018  Change in benefit obligation: (in thousands)  Benefit obligation at the beginning of the year $ 5,398 $ 4,542  Service cost 146 187  Interest cost 202 137  Actuarial (gain) loss 378 725  Benefits paid (377) (193)  Benefit obligation at the end of the year 5,747 5,398   Change in plan assets:  Fair value of plan assets at the beginning of year - -  Actual return on plan assets - -  Employer contributions 377 193  Benefits paid (377) (193)  Fair value of plan assets at the end of year - -   Funded status $ (5,747) $ (5,398)  Amount recognized in the Consolidated Balance Sheets consist of:  Accrued benefit liabilities $ (5,747) $ (5,398)  Amount recognized in the Accumulated Other Comprehensive Loss consists of:  Net actuarial loss $ 1,624 $ 1,480  Prior service cost 93 125  Net amount recognized in equity - pre-tax $ 1,717 $ 1,605   Accumulated benefit obligation at year end $ 5,432 $ 5,047 
Schedule Of Assumptions Used	   2018 2018 2017  Discount rate for projected benefit obligation 2.72 % 3.84 % 3.09 %  Discount rate for net periodic pension cost 3.84 % 3.09 % 3.30 %  Salary scale 6.00 % 6.00 % 3.00 % 
Schedule Of Net Periodic Benefit Cost	   2019 2018 2017  (in thousands)  Service cost $ 146 $ 187 $ 168  Interest cost 202 137 137  Net amortization and deferral 266 117 112  Net periodic benefit cost $ 614 $ 441 $ 417 
Schedule Of Expected Benefit Payments	   (in thousands)  2020 $ 378  2021 285  2022 3,030  2023 285  2024 285  Year 2025 - 2029 1,026 

Stock-Based Compensation (Table

Stock-Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Schedule Of Stock Options Valuation Assumptions	  2019 2018 2017  Dividend Yield 2.88 % 2.04 % 2.03 %  Expected Life (years) 6.96 6.81 6.95  Expected Volatility 17.36 % 16.57 % 17.34 %  Risk-free Interest Rate 2.47 % 2.82 % 2.24 %  Weighted Average Fair Value $ 5.01 $ 7.63 $ 6.41 
Schedule Of Stock Options Activity	   Options Weighted Average Exercise Price Weighted Average Remaining Contractual Term (years) Aggregate Intrinsic Value (in thousands)  Balance, December 31, 2018 218,968 $ 24.18  Granted 44,820 36.12  Exercised (37,490) 15.18  Expired (2,140) 39.19  Forfeited (8,598) 37.73  Balance, December 31, 2019 215,560 $ 27.54 5.68 $ 2,827   Exercisable, December 31, 2019 140,974 $ 22.39 4.21 $ 2,531 
Schedule Of Restricted Stock Award Activity	   Shares Weighted Average Grant Date Fair Value  Balance, December 31, 2018 35,345 $ 38.01  Granted 25,448 35.98  Vested (17,166) 36.22  Forfeited (3,816) 38.37  Balance, December 31, 2019 39,811 $ 37.45 
Schedule Of Activity Under Share Based Compensation Plans	    2019 2018 2017  (in thousands)  Total intrinsic value of stock options exercised $ 770 $ 1,237 $ 567  Total fair value of restricted stock awards vested $ 610 $ 736 $ 645 
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Schedule Of Unrecognized Compensation Cost	   (in thousands)  2020 $ 132  2021 96  2022 60  2023 15 
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Schedule Of Unrecognized Compensation Cost	   (in thousands)  2020 $ 434  2021 281  2022 165  2023 40 

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2019
Income Taxes [Abstract]
Schedule Of Components Of Income Tax Provision (Benefit)	    2019 2018 2017  (in thousands)  Current federal tax expense $ 4,639 $ 1,182 $ 2,041  Current state tax expense 1,160 606 18  Total current tax expense 5,799 1,788 2,059   Deferred federal tax expense (benefit) $ (513) $ - $ 2,441  Deferred state tax expense (58) 495 709  Total deferred tax expense (benefit) (571) 495 3,150   Total income tax provision $ 5,228 $ 2,283 $ 5,209 
Schedule Of Effective Income Tax Rate Reconciliation	    2019 2018 2017  Amount Percent Amount Percent Amount Percent  (in thousands)  Tax provision at statutory rate $ 4,671 21 % $ 3,914 21 % $ 5,334 34 %  Change in taxes resulting from:  Tax-exempt income (213) (1) (287) (2) (589) (4)  Historic tax credit (81) - (2,043) (11) (1,869) (12)  State taxes, net of federal benefit 870 4 871 5 455 2  Deferred tax asset remeasurement - - - - 2,074 13  Other items, net (19) - (172) (1) (196) -  Income tax provision $ 5,228 24 % $ 2,283 12 % $ 5,209 33 % 
Schedule Of Historic Tax Credit	   2019 2018 2017   Loss on tax credit investment $ (158) $ (2,870) $ (3,997)  Refundable state historic tax credit 115 1,982 2,843  Income tax benefit 81 2,043 1,869  Total HTC income $ 38 $ 1,155 $ 715  
Schedule Of Deferred Tax Assets And Liabilities	   2019 2018  (in thousands)  Deferred tax assets:  Pension and SERP plans $ 1,584 $ 1,452  Allowance for loan and lease losses 3,876 3,788  Non accrued interest - 68  Deferred compensation 558 614  Loss on investment in tax credit 444 490  Stock options granted 192 165  Lease liabilities 1,078 119  Net unrealized losses on securities - 822  Other 37 -  Gross deferred tax assets $ 7,769 $ 7,518   Deferred tax liabilities:  Depreciation and amortization $ 1,614 $ 1,637  Right of use assets 965  Prepaid expenses 617 616  Net unrealized gains on securities 183 -  Deferred dividend income - 356  Mortgage servicing asset 144 158  Other 71 -  Gross deferred tax liabilities $ 3,594 $ 2,767   Valuation allowance (218) (334)  Net deferred tax asset $ 3,957 $ 4,417 

Revenue Recognition Of Non-In_3

Revenue Recognition Of Non-Interest Income (Tables)	12 Months Ended
	Dec. 31, 2019
Revenue Recognition Of Non-Interest Income [Abstract]
Schedule Of Disaggregation Of Insurance Service And Other Fees	  2019 2018 2017  (in thousands)  Commercial property and casualty insurance commissions $ 4,014 $ 3,541 $ 2,918  Personal property and casualty insurance commissions 3,416 3,067 2,608  Employee benefits sales commissions 1,136 855 528  Profit sharing and contingent revenue 1,050 905 928  Wealth management and other financial services 517 563 425  Insurance claims services revenue 453 305 390  Other insurance-related revenue 102 129 101  Total insurance service and other fees $ 10,688 $ 9,365 $ 7,898 

Other Liabilities (Tables)

Other Liabilities (Tables)	12 Months Ended
	Dec. 31, 2019
Other Liabilities [Abstract]
Schedule Of Other Liabilities	    2019 2018  (in thousands)  Retirement compensation liabilities $ 8,308 $ 7,976  Accounts payable 5,211 4,989  Taxes Payable 1,657 -  Historic tax credit investment - 2,996  Interest payable 677 877  Loan participation payable 437 -  Other 138 193  Total other liabilities $ 16,428 $ 17,031 

Contingent Liabilities And Co_2

Contingent Liabilities And Commitments (Tables)	12 Months Ended
	Dec. 31, 2019
Contingent Liabilities And Commitments [Abstract]
Summary Of Commitments And Contingent Liabilities	    December 31, December 31,  2019 2018  (in thousands)   Commitments to extend credit $ 331,974 $ 290,785  Standby letters of credit 4,309 3,379  Total $ 336,283 $ 294,164 

Segment Information (Tables)

Segment Information (Tables)	12 Months Ended
	Dec. 31, 2019
Segment Information [Abstract]
Schedule Of Business Segments	  2019  Banking Insurance Agency  Activities Activities Total  (in thousands)   Net interest income (expense) $ 52,152 $ (97) $ 52,055  Provision for loan losses 75 - 75  Net interest income (expense) after  provision for loan losses 52,077 (97) 51,980  Insurance service and fees 480 10,208 10,688  Other non-interest income 7,232 162 7,394  Amortization expense - 448 448  Other non-interest expense 38,961 8,411 47,372  Income before income taxes 20,828 1,414 22,242  Income tax provision 4,860 368 5,228  Net income $ 15,968 $ 1,046 $ 17,014     2018  Banking Insurance Agency  Activities Activities Total  (in thousands)   Net interest income (expense) $ 48,228 $ (121) $ 48,107  Provision for loan losses 1,402 - 1,402  Net interest income (expense) after  provision for loan losses 46,826 (121) 46,705  Insurance service and fees 541 8,824 9,365  Other non-interest income 5,862 - 5,862  Amortization expense - 280 280  Other non-interest expense 35,683 7,330 43,013  Income before income taxes 17,546 1,093 18,639  Income tax provision 1,999 284 2,283  Net income $ 15,547 $ 809 $ 16,356     2017  Banking Insurance Agency  Activities Activities Total  (in thousands)   Net interest income (expense) $ 42,119 $ (102) $ 42,017  Provision for loan losses 738 - 738  Net interest income (expense) after  provision for loan losses 41,381 (102) 41,279  Insurance service and fees 416 7,482 7,898  Other non-interest income 5,105 - 5,105  Amortization expense - 113 113  Other non-interest expense 32,610 5,871 38,481  Income before income taxes 14,292 1,396 15,688  Income tax provision 4,674 535 5,209  Net income $ 9,618 $ 861 $ 10,479 
Schedule Of Identifiable Assets, Net	    December 31, December 31,  2019 2018  (in thousands)  Identifiable Assets, Net  Banking activities $ 1,443,611 $ 1,371,560  Insurance agency activities 16,619 16,647  Consolidated Total Assets $ 1,460,230 $ 1,388,207 

Fair Value Of Financial Instr_2

Fair Value Of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2019
Financial Instruments Measured At Fair Value On Recurring Basis	  (in thousands) Level 1 Level 2 Level 3 Fair Value   December 31, 2019  Securities available-for-sale:  US government agencies $ - $ 28,156 $ - $ 28,156  States and political subdivisions - 3,351 - 3,351  Mortgage-backed securities - 96,416 - 96,416  Mortgage servicing rights - - 555 555   December 31, 2018  Securities available-for-sale:  US government agencies $ - $ 33,928 $ - $ 33,928  States and political subdivisions - 22,173 - 22,173  Mortgage-backed securities - 76,003 - 76,003  Mortgage servicing rights - - 609 609 
Quantitative Information About Significant Unobservable Inputs For MSRs	  December 31, 2019 December 31, 2018  Servicing fees 0.25 % 0.25 %  Discount rate 9.00 % 9.00 %  Prepayment rate (CPR) 8.21 % 6.52 % 
Financial Instruments Measured At Fair Value On Nonrecurring Basis	   (in thousands) Level 1 Level 2 Level 3 Fair Value   December 31, 2019  Collateral dependent impaired loans $ - $ - $ 15,735 $ 15,735   December 31, 2018  Collateral dependent impaired loans $ - $ - $ 20,590 $ 20,590 
Estimated Fair Values Of Financial Instruments	  December 31, 2019 December 31, 2018  Carrying Fair Carrying Fair  Amount Value Amount Value  (in thousands) (in thousands)  Financial assets:  Level 1:  Cash and cash equivalents $ 38,857 $ 38,857 $ 39,915 $ 39,915  Level 2:  Available for sale securities 127,922 127,922 132,104 132,104  FHLB and FRB stock 3,544 3,544 3,403 3,403  Level 3:  Held to maturity securities 2,386 2,392 1,685 1,674  Loans, net 1,211,356 1,222,386 1,141,146 1,131,891  Mortgage servicing rights 555 555 609 609   Financial liabilities:  Level 1:  Demand deposits $ 263,717 $ 263,717 $ 231,902 $ 231,902  NOW deposits 140,654 140,654 110,450 110,450  Savings deposits 587,142 587,142 571,479 571,479  Level 2:  Securities sold under agreement to  repurchase 2,425 2,425 3,142 3,142  Other borrowed funds 10,000 9,997 10,000 9,854  Junior subordinated debentures 11,330 11,330 11,330 11,330  Level 3:  Time deposits 275,927 277,051 301,227 298,999 
Mortgage Servicing Rights [Member]
Summary Of Changes In Fair Value At Level 3	  (in thousands) 2019 2018 2017  Mortgage servicing rights - January 1 $ 609 $ 586 $ 527  Gains/(Losses) included in earnings (178) (22) (48)  Additions from loan sales 124 45 107  Mortgage servicing rights - December 31 $ 555 $ 609 $ 586 

Regulatory Matters (Tables)

Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2019
Regulatory Matters [Abstract]
Schedule Of Compliance With Regulatory Capital Requirements Under Banking Regulations	   December 31, 2019  (in thousands)  Company Bank Minimum for Capital Adequacy Purposes Minimum to be Well Capitalized Under Prompt Corrective Action Provisions  Amount Ratio Amount Ratio Amount Ratio Amount Ratio   Common Equity Tier I  (to Risk Weighted Assets) $ 150,860 12.32 % $ 147,618 12.08 % $ 55,099 4.5 % $ 85,710 7.0 %   Total Capital  (to Risk Weighted Assets) $ 166,035 13.56 % $ 162,793 13.32 % $ 97,954 8.0 % $ 128,565 10.5 %   Tier I Capital  (to Risk Weighted Assets) $ 150,860 12.32 % $ 147,618 12.08 % $ 73,466 6.0 % $ 104,076 8.5 %   Tier I Capital  (to Average Assets) $ 150,860 10.33 % $ 147,618 10.15 % $ 58,397 4.0 % $ 72,996 5.0 % 

Parent Company Only Financial_2

Parent Company Only Financial Information (Tables)	12 Months Ended
	Dec. 31, 2019
Parent Company Only Financial Information [Abstract]
Condensed Balance Sheets	  December 31,  2019 2018  (in thousands)  ASSETS  Cash $ 1,027 $ 1,446  Other assets 407 403  Investment in subsidiaries 159,620 142,268  Total assets $ 161,054 $ 144,117   LIABILITIES AND STOCKHOLDERS’ EQUITY  LIABILITIES:  Junior subordinated debentures $ 11,330 $ 11,330  Other liabilities 1,271 1,141  Total liabilities 12,601 12,471   STOCKHOLDERS’ EQUITY  Total Stockholders’ Equity $ 148,453 $ 131,646  Total liabilities and stockholders’ equity $ 161,054 $ 144,117 
Condensed Statements Of Income	  December 31,  2019 2018 2017  (in thousands)  Dividends from subsidiaries $ 4,500 $ 8,300 $ 2,100   Income 4 147 -   Expenses (1,323) (927) (771)   Income before equity in undistributed  earnings of subsidiaries 3,181 7,520 1,329   Equity in undistributed earnings of subsidiaries 13,833 8,836 9,150   Net income 17,014 16,356 10,479   Other comprehensive income - - -   Comprehensive income $ 17,014 $ 16,356 $ 10,479 
Condensed Statements Of Cash FLows	  Year Ended  2019 2018 2017  (in thousands)  Operating Activities:  Net income $ 17,014 $ 16,356 $ 10,479  Adjustments to reconcile net income to  net cash provided by operating activities:  Undistributed earnings of subsidiaries (13,833) (8,836) (9,150)  Changes in assets and liabilities affecting cash flow:  Other assets 130 (470) (13)  Other liabilities 4 250 (183)  Other 180 153 -  Net cash provided by operating activities 3,495 7,453 1,133   Investing Activities:  Proceeds from equity securities sales - 1,960 -  Investment in subsidiaries - (5,000) (11,791)  Net cash used in investing activities - (3,040) (11,791)   Financing Activities:  Proceeds from issuance of common stock 1,178 1,025 15,015  Cash dividends paid (5,092) (4,428) (3,819)  Purchase of Treasury stock - - (342)  Net cash used in financing activities (3,914) (3,403) 10,854   Net increase (decrease) in cash (419) 1,010 196   Cash beginning of year 1,446 436 240   Cash ending of year $ 1,027 $ 1,446 $ 436 

Selected Quarterly Financial _2

Selected Quarterly Financial Data (Tables)	12 Months Ended
	Dec. 31, 2019
Selected Quarterly Financial Data [Abstract]
Schedule Of Selected Quarterly Financial Information	    4th Quarter 3rd Quarter 2nd Quarter 1st Quarter  (in thousands, except for per share data)  2019  Interest Income $ 16,028 $ 16,845 $ 16,325 $ 15,542  Interest Expense 3,236 3,224 3,191 3,034  Net Interest Income 12,792 13,621 13,134 12,508  Net Income 3,748 5,164 4,382 3,720  Earnings per share basic 0.76 1.05 0.90 0.77  Earnings per share diluted 0.75 1.04 0.88 0.75   2018  Interest Income $ 15,309 $ 14,690 $ 14,247 $ 13,366  Interest Expense 2,936 2,604 2,051 1,914  Net Interest Income 12,373 12,086 12,196 11,452  Net Income 4,451 4,795 3,791 3,319  Earnings per share basic 0.92 0.99 0.79 0.69  Earnings per share diluted 0.90 0.97 0.77 0.68 

Organization And Summary Of S_4

Organization And Summary Of Significant Accounting Policies (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)segmententityshares	Dec. 31, 2018USD ($)shares	Dec. 31, 2017shares
Number of subsidiaries | entity	2
Number of reporting units with goodwill | segment	1
Goodwill impairment	$ 0	$ 0
Potentially dilutive shares of common stock | shares	70,369	118,861	122,434
Shares excluded from calculation of diluted earnings per share | shares	43,385	27,600	0
Leases, initial term	12 months
Leases, right-of-use assets	$ 3,720
Leases, liabilities	4,154
Other liabilities	16,428	$ 17,031
Operating lease expenses	700
Payments to lease liabilities	$ 700
Leases, weighted average discount rate	3.50%
Leases, weighted average remaining lease term	8 years 6 months
Future Minimum Lease Payments, 2020		736
Future Minimum Lease Payments, 2021		682
Future Minimum Lease Payments, 2022		694
Future Minimum Lease Payments, 2023		580
Future Minimum Lease Payments, Thereafter		2,100
Standby Letters Of Credit [Member]
Maximum potential amount of future payments	$ 4,300	3,400
Guaranty liabilities	$ 0	0
Minimum [Member]
Properties and equipment estimated useful life	3 years
Maximum [Member]
Properties and equipment estimated useful life	39 years
ASU 2016-02 [Member]
Leases, right-of-use assets		4,300
Leases, liabilities		4,700
Other liabilities		$ 400

Organization And Summary Of S_5

Organization And Summary Of Significant Accounting Policies (Schedule Of Future Minimum Lease Payments) (Details) $ in Thousands	Dec. 31, 2019USD ($)
Organization And Summary Of Significant Accounting Policies [Abstract]
2020	$ 748
2021	682
2022	694
2023	589
2024	452
Thereafter	1,640
Total future minimum lease payments	4,805
Less imputed interest	651
Total	$ 4,154

Securities (Narrative) (Details

Securities (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Schedule of Available-for-sale Securities [Line Items]
Other-than-temporary impairment charges	$ 0	$ 0	$ 0
Investment Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Gross realized gains on sales of securities		0	0
Gross realized losses on sales of securities		0.1	$ 0
Maximum [Member] | Investment Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Gross realized gains on sales of securities	0.1
Gross realized losses on sales of securities	0.1
Collateral Pledged [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for sale securities pledged as collateral	$ 102	$ 94

Securities (Schedule Of Amortiz

Securities (Schedule Of Amortized Cost And Approximate Fair Value Of Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	$ 127,217	$ 135,274
Available for Sale, Unrealized Gains	1,057	115
Available for Sale, Unrealized Losses	(352)	(3,285)
Available for Sale, Fair Value		132,104
Available for Sale, Fair Value	127,922	132,104
Held to maturity, Amortized cost	2,386	1,685
Held to Maturity, Unrealized Gains	24	11
Held to Maturity, Unrealized Losses	(18)	(22)
Held to Maturity, Fair Value	2,392	1,674
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	31,240	56,765
Available for Sale, Unrealized Gains	294	71
Available for Sale, Unrealized Losses	(28)	(735)
Available for Sale, Fair Value	31,506	56,101
U.S. Government Agencies [Member] | Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	27,951	34,597
Available for Sale, Unrealized Gains	225	2
Available for Sale, Unrealized Losses	(21)	(671)
Available for Sale, Fair Value	28,155	33,928
States and Political Subdivisions [Member] | Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	3,289	22,168
Available for Sale, Unrealized Gains	69	69
Available for Sale, Unrealized Losses	(7)	(64)
Available for Sale, Fair Value	3,351	22,173
Held to maturity, Amortized cost	2,386	1,685
Held to Maturity, Unrealized Gains	24	11
Held to Maturity, Unrealized Losses	(18)	(22)
Held to Maturity, Fair Value	2,392	1,674
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	95,977	78,509
Available for Sale, Unrealized Gains	763	44
Available for Sale, Unrealized Losses	(324)	(2,550)
Available for Sale, Fair Value	96,416	76,003
Mortgage-Backed Securities [Member] | FNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	34,395	27,747
Available for Sale, Unrealized Gains	330	21
Available for Sale, Unrealized Losses	(53)	(729)
Available for Sale, Fair Value	34,672	27,039
Mortgage-Backed Securities [Member] | FHLMC [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	15,390	14,645
Available for Sale, Unrealized Gains	137	11
Available for Sale, Unrealized Losses	(13)	(431)
Available for Sale, Fair Value	15,514	14,225
Mortgage-Backed Securities [Member] | GNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	3,421	1,660
Available for Sale, Unrealized Gains	16	6
Available for Sale, Unrealized Losses	(24)	(36)
Available for Sale, Fair Value	3,413	1,630
Mortgage-Backed Securities [Member] | SBA [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	13,752	9,432
Available for Sale, Unrealized Gains	90
Available for Sale, Unrealized Losses	(70)	(299)
Available for Sale, Fair Value	13,772	9,133
Mortgage-Backed Securities [Member] | CMO [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	29,019	25,025
Available for Sale, Unrealized Gains	190	6
Available for Sale, Unrealized Losses	(164)	(1,055)
Available for Sale, Fair Value	$ 29,045	$ 23,976

Securities (Scheduled Maturitie

Securities (Scheduled Maturities Of Debt And Mortgage-Backed Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Securities [Abstract]
Debt securities available for sale, Due in one year or less, Amortized cost	$ 6,005	$ 5,074
Debt securities available for sale, Due after one year through five years, Amortized cost	6,481	22,637
Debt securities available for sale, Due after five years through ten years, Amortized cost	18,754	28,870
Debt securities available for sale, Due after ten years, Amortized cost		184
Debt securities available for sale, Amortized cost	31,240	56,765
Mortgage-backed securities available for sale, Amortized cost	95,977	78,509
Total securities designated as available for sale, Amortized Cost	127,217	135,274
Debt securities available for sale, Due in one year or less, Estimated fair value	6,014	5,075
Debt securities available for sale, Due after one year through five years, Estimated fair value	6,626	22,448
Debt securities available for sale, Due after five years through ten years, Estimated fair value	18,866	28,391
Debt securities available for sale, Due after ten years, Estimated fair value		187
Debt securities available for sale, Estimated fair value	31,506	56,101
Mortgage-backed securities available for sale, Estimated fair value	96,416	76,003
Total securities available for sale, Estimated fair value	127,922	132,104
Debt securities held to maturity, Due in one year or less, Amortized cost	1,139	693
Debt securities held to maturity, Due after one year through five years, Amortized cost	712	811
Debt securities held to maturity, Due after five years through ten years, Amortized cost	54	93
Debt securities held to maturity, Due after ten years, Amortized cost	481	88
Held to maturity, Amortized cost	2,386	1,685
Debt securities held to maturity, Due in one year or less, Estimated fair value	1,140	693
Debt securites held to maturity, Due after one year through five years, Estimated fair value	732	811
Debt securites held to maturity, Due after five years through ten years, Estimated fair value	54	89
Debt securities held to maturity, Due after ten years, Estimated fair value	466	81
Held to maturity, Estimated fair value	$ 2,392	$ 1,674

Securities (Unrealized Losses O

Securities (Unrealized Losses On Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Schedule of Available-for-sale Securities [Line Items]
Total temporarily impaired securities, Less than 12 months, Fair Value	$ 20,526	$ 19,837
Total temporarily impaired securities, 12 months or longer, Fair Value	20,896	97,511
Total temporarily impaired securities, Total, Fair Value	41,422	117,348
Total temporarily impaired securities, Less than 12 months, Unrealized Losses	(185)	(110)
Total temporarily impaired securities, 12 months or longer, Unrealized Losses	(185)	(3,197)
Total temporarily impaired securities, Total, Unrealized Losses	(370)	(3,307)
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	18,323	4,532
Available for Sale, 12 months or longer, Fair Value	14,553	68,752
Available for Sale, Total, Fair Value	32,876	73,284
Available for Sale, Less than 12 months, Unrealized Losses	(166)	(46)
Available for Sale, 12 months or longer, Unrealized Losses	(158)	(2,504)
Available for Sale, Total, Unrealized Losses	(324)	(2,550)
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	1,976	15,149
Available for Sale, 12 months or longer, Fair Value	4,178	28,037
Available for Sale, Total, Fair Value	6,154	43,186
Available for Sale, Less than 12 months, Unrealized Losses	(18)	(64)
Available for Sale, 12 months or longer, Unrealized Losses	(10)	(671)
Available for Sale, Total, Unrealized Losses	(28)	(735)
Debt Securities [Member] | U.S. Government Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	1,976	9,931
Available for Sale, 12 months or longer, Fair Value	3,997	21,144
Available for Sale, Total, Fair Value	5,973	31,075
Available for Sale, Less than 12 months, Unrealized Losses	(18)	(49)
Available for Sale, 12 months or longer, Unrealized Losses	(3)	(622)
Available for Sale, Total, Unrealized Losses	(21)	(671)
Debt Securities [Member] | States and Political Subdivisions [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value		5,218
Available for Sale, 12 months or longer, Fair Value	181	6,893
Available for Sale, Total, Fair Value	181	12,111
Available for Sale, Less than 12 months, Unrealized Losses		(15)
Available for Sale, 12 months or longer, Unrealized Losses	(7)	(49)
Available for Sale, Total, Unrealized Losses	(7)	(64)
Held To Maturity, Less than 12 months, Fair Value	227	156
Held To Maturity, 12 months or longer, Fair Value	2,165	722
Held To Maturity, Total, Fair Value	2,392	878
Held To Maturity, Less than 12 months, Unrealized Losses	(1)
Held To Maturity, 12 months or longer, Unrealized Losses	(17)	(22)
Held To Maturity, Total, Unrealized Losses	(18)	(22)
FNMA [Member] | Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	5,355	2,637
Available for Sale, 12 months or longer, Fair Value	3,630	23,667
Available for Sale, Total, Fair Value	8,985	26,304
Available for Sale, Less than 12 months, Unrealized Losses	(38)	(21)
Available for Sale, 12 months or longer, Unrealized Losses	(15)	(708)
Available for Sale, Total, Unrealized Losses	(53)	(729)
FHLMC [Member] | Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value		1,895
Available for Sale, 12 months or longer, Fair Value	1,242	11,899
Available for Sale, Total, Fair Value	1,242	13,794
Available for Sale, Less than 12 months, Unrealized Losses		(25)
Available for Sale, 12 months or longer, Unrealized Losses	(13)	(406)
Available for Sale, Total, Unrealized Losses	(13)	(431)
GNMA [Member] | Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	2,091
Available for Sale, 12 months or longer, Fair Value	770	926
Available for Sale, Total, Fair Value	2,861	926
Available for Sale, Less than 12 months, Unrealized Losses	(22)
Available for Sale, 12 months or longer, Unrealized Losses	(2)	(36)
Available for Sale, Total, Unrealized Losses	(24)	(36)
SBA [Member] | Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	5,171
Available for Sale, 12 months or longer, Fair Value		9,133
Available for Sale, Total, Fair Value	5,171	9,133
Available for Sale, Less than 12 months, Unrealized Losses	(70)
Available for Sale, 12 months or longer, Unrealized Losses		(299)
Available for Sale, Total, Unrealized Losses	(70)	(299)
CMO [Member] | Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	5,706
Available for Sale, 12 months or longer, Fair Value	8,911	23,127
Available for Sale, Total, Fair Value	14,617	23,127
Available for Sale, Less than 12 months, Unrealized Losses	(36)
Available for Sale, 12 months or longer, Unrealized Losses	(128)	(1,055)
Available for Sale, Total, Unrealized Losses	$ (164)	$ (1,055)

Loans And The Allowance For L_3

Loans And The Allowance For Loan Losses (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gain on mortgage loans sold to FNMA	$ 154	$ 38	$ 156
Net deferred loan origination costs	1,534	1,587
Overdrawn deposit accounts classified as loans	$ 300	100
Minimum percentage of loans reviewed annually	40.00%
Impaired loans, related allowance, collectively evaluated for impairment	$ 15,300	12,500
Nonaccruing [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan commitments to lend additional funds to debtors	0	0
Consumer And Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Overdrawn deposit accounts classified as loans	$ 300	100
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Maximum amount of loan as percentage of appraised value	80.00%
Loan servicing portfolio principal balance	$ 76,000	73,000
Mortgage servicing rights	600	600
Mortgage loans held-for-sale	700	400
Total Real Estate Loans [Member] | Residential Mortgages [Member] | FNMA Loans [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans sold to FNMA	13,000	$ 4,000
Total Real Estate Loans [Member] | FHLBNY [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	$ 407,000
Minimum [Member] | Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Rate re-pricing, period	3 years
Minimum [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan amortization period	10 years
Minimum [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans mature or subject to a rate call, period	3 years
Maximum [Member] | Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan amortization period	5 years
Rate re-pricing, period	5 years
Maximum [Member] | Consumer And Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Repayment term	5 years
Maximum [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan amortization period	30 years
Maximum [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
LTV ratio	80.00%
Mortgage loans mature or subject to a rate call, period	5 years
Rate re-pricing, period	20 years

Loans And The Allowance For L_4

Loans And The Allowance For Loan Losses (Schedule Of Loan Portfolio Composition) (Details) - USD ($) $ in Thousands		Dec. 31, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs		$ 1,224,997	$ 1,154,343
Net deferred loan origination costs		1,534	1,587
Total gross loans		1,226,531	1,155,930
Allowance for loan losses		(15,175)	(14,784)
Loans, net		1,211,356	1,141,146
Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs		251,197	226,057
Consumer And Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs		1,926	1,520
Total Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs		971,874	926,766
Total Real Estate Loans [Member] | Residential Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	[1]	159,639	158,517
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs		158,572	158,404
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs		1,067	113
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	[1]	742,884	697,703
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs		645,036	592,507
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs		97,848	105,196
Total Real Estate Loans [Member] | Home Equities [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs		$ 69,351	$ 70,546
[1]	includes construction loans

Loans And The Allowance For L_5

Loans And The Allowance For Loan Losses (Changes In Allowance For Loan Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Loans And The Allowance For Loan Losses [Abstract]
Allowance for loan losses: Beginning balance	$ 14,784	$ 14,019	$ 13,916
Allowance for loan losses: Provision(Credit) for loan losses	75	1,402	738
Allowance for loan losses: Recoveries	841	54	350
Allowance for loan losses: Charge-offs	(525)	(691)	(985)
Allowance for loan losses: Ending balance	$ 15,175	$ 14,784	$ 14,019

Loans And The Allowance For L_6

Loans And The Allowance For Loan Losses (Schedule Of Allowance For Loan Losses According To Portfolio Segment) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance		$ 14,784	$ 14,019	$ 13,916
Allowance for loan losses: Charge-offs		(525)	(691)	(985)
Allowance for loan losses: Recoveries		841	54	350
Allowance for loan losses: Provision(Credit) for loan losses		75	1,402	738
Allowance for loan losses: Ending balance		15,175	14,784	14,019
Allowance for loan losses: Individually evaluated for impairment					$ 477	$ 1,073
Allowance for loan losses: Collectively evaluated for impairment					14,698	13,711
Allowance for loan losses: Total		15,175	14,784	14,019	15,175	14,784
Loans: Individually evaluated for impairment					18,627	23,715
Loans: Collectively evaluated for impairment					1,206,370	1,130,628
Total					1,224,997	1,154,343
Net deferred loan origination costs					1,534	1,587
Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Total					971,874	926,766
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance		4,368	5,204
Allowance for loan losses: Charge-offs		(301)	(203)
Allowance for loan losses: Recoveries		797	41
Allowance for loan losses: Provision(Credit) for loan losses		(317)	(674)
Allowance for loan losses: Ending balance		4,547	4,368	5,204
Allowance for loan losses: Individually evaluated for impairment					442	249
Allowance for loan losses: Collectively evaluated for impairment					4,105	4,119
Allowance for loan losses: Total		4,547	4,368	5,204	4,547	4,368
Loans: Individually evaluated for impairment					6,558	3,701
Loans: Collectively evaluated for impairment					244,639	222,356
Total					251,197	226,057
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	[1]	8,844	7,409
Allowance for loan losses: Charge-offs	[1]	(33)	(262)
Allowance for loan losses: Recoveries	[1]	2
Allowance for loan losses: Provision(Credit) for loan losses	[1]	192	1,697
Allowance for loan losses: Ending balance	[1]	9,005	8,844	7,409
Allowance for loan losses: Individually evaluated for impairment	[1]				9	716
Allowance for loan losses: Collectively evaluated for impairment	[1]				8,996	8,128
Allowance for loan losses: Total	[1]	9,005	8,844	7,409	9,005	8,844
Loans: Individually evaluated for impairment	[1]				7,791	15,290
Loans: Collectively evaluated for impairment	[1]				735,093	682,413
Total	[1]				742,884	697,703
Consumer And Other Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance		106	109
Allowance for loan losses: Charge-offs		(156)	(113)
Allowance for loan losses: Recoveries		42	12
Allowance for loan losses: Provision(Credit) for loan losses		163	98
Allowance for loan losses: Ending balance		155	106	109
Allowance for loan losses: Individually evaluated for impairment					21	23
Allowance for loan losses: Collectively evaluated for impairment					134	83
Allowance for loan losses: Total		155	106	109	155	106
Loans: Individually evaluated for impairment					21	23
Loans: Collectively evaluated for impairment					1,905	1,497
Total					1,926	1,520
Residential Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	[1]	1,121	950
Allowance for loan losses: Charge-offs	[1]	(13)	(86)
Allowance for loan losses: Recoveries	[1]
Allowance for loan losses: Provision(Credit) for loan losses	[1]	(37)	257
Allowance for loan losses: Ending balance	[1]	1,071	1,121	950
Allowance for loan losses: Individually evaluated for impairment	[1]				5	85
Allowance for loan losses: Collectively evaluated for impairment	[1]				1,066	1,036
Allowance for loan losses: Total	[1]	1,071	1,121	950	1,071	1,121
Loans: Individually evaluated for impairment	[1]				2,804	2,814
Loans: Collectively evaluated for impairment	[1]				156,835	155,703
Total	[1]				159,639	158,517
Home Equities [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance		345	347
Allowance for loan losses: Charge-offs		(22)	(27)
Allowance for loan losses: Recoveries			1
Allowance for loan losses: Provision(Credit) for loan losses		74	24
Allowance for loan losses: Ending balance		397	345	347
Allowance for loan losses: Individually evaluated for impairment
Allowance for loan losses: Collectively evaluated for impairment					397	345
Allowance for loan losses: Total		$ 397	$ 345	$ 347	397	345
Loans: Individually evaluated for impairment					1,453	1,887
Loans: Collectively evaluated for impairment					67,898	68,659
Total					$ 69,351	$ 70,546
[1]	includes construction loans

Loans And The Allowance For L_7

Loans And The Allowance For Loan Losses (Data, At Class Level, Of Credit Quality Indicators Of Certain Loans) (Details) - USD ($) $ in Thousands		Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		$ 1,224,997	$ 1,154,343
Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		971,874	926,766
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	[1]	742,884	697,703
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Corporate Credit Exposure—By Credit Rating, Acceptable Or Better [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		524,943	532,226
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Corporate Credit Exposure—By Credit Rating, Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		184,657	140,037
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Corporate Credit Exposure—By Credit Rating, Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		24,084	10,583
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Corporate Credit Exposure—By Credit Rating, Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		9,200	14,857
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Corporate Credit Exposure—By Credit Rating, Doubtful/Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Construction [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		97,848	105,196
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Construction [Member] | Corporate Credit Exposure—By Credit Rating, Acceptable Or Better [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		73,646	65,932
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Construction [Member] | Corporate Credit Exposure—By Credit Rating, Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		13,380	30,628
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Construction [Member] | Corporate Credit Exposure—By Credit Rating, Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		8,359
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Construction [Member] | Corporate Credit Exposure—By Credit Rating, Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		2,463	8,636
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Construction [Member] | Corporate Credit Exposure—By Credit Rating, Doubtful/Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		645,036	592,507
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Mortgages [Member] | Corporate Credit Exposure—By Credit Rating, Acceptable Or Better [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		451,297	466,294
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Mortgages [Member] | Corporate Credit Exposure—By Credit Rating, Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		171,277	109,409
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Mortgages [Member] | Corporate Credit Exposure—By Credit Rating, Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		15,725	10,583
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Mortgages [Member] | Corporate Credit Exposure—By Credit Rating, Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		6,737	6,221
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member] | Mortgages [Member] | Corporate Credit Exposure—By Credit Rating, Doubtful/Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		251,197	226,057
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Acceptable Or Better [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		165,255	155,687
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		68,665	57,366
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		7,631	4,105
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans		9,646	8,870
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Doubtful/Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans			$ 29
[1]	includes construction loans

Loans And The Allowance For L_8

Loans And The Allowance For Loan Losses (Recorded Investment In Loans Past Due) (Details) - USD ($) $ in Thousands		Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current Balance		$ 1,192,611	$ 1,119,629
Non-accruing Loans		14,396	18,991
Total Balance		1,224,997	1,154,343
Net deferred loan origination costs		1,534	1,587
30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		10,058	14,420
60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		7,932	1,303
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current Balance		245,658	217,625
Non-accruing Loans		4,834	1,694
Total Balance		251,197	226,057
Commercial And Industrial [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		705	6,173
Commercial And Industrial [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due			565
Consumer And Other Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current Balance		1,907	1,514
Non-accruing Loans
Total Balance		1,926	1,520
Consumer And Other Loans [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		15	5
Consumer And Other Loans [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		4	1
Consumer And Other Loans [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Balance		971,874	926,766
Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Balance	[1]	159,639	158,517
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Balance	[1]	742,884	697,703
Total Real Estate Loans [Member] | Home Equities [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current Balance		67,868	69,094
Non-accruing Loans		890	1,253
Total Balance		69,351	70,546
Total Real Estate Loans [Member] | Home Equities [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		354	123
Total Real Estate Loans [Member] | Home Equities [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		239	76
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current Balance		153,630	154,063
Non-accruing Loans		1,438	1,463
Total Balance		158,572	158,404
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		2,616	2,546
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		888	332
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current Balance		630,016	582,016
Non-accruing Loans		5,659	5,945
Total Balance		645,036	592,507
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		3,482	4,546
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		5,879
Construction [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current Balance		865	113
Non-accruing Loans
Total Balance		1,067	113
Construction [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Construction [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		202
Construction [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current Balance		92,667	95,204
Non-accruing Loans		1,575	8,636
Total Balance		97,848	105,196
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		2,886	1,027
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due		720	329
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due
[1]	includes construction loans

Loans And The Allowance For L_9

Loans And The Allowance For Loan Losses (Data, At Class Level, Of Impaired Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	$ 15,349	$ 12,463
Impaired Loans, Recorded Investment, With a related allowance recorded	3,278	11,252
Impaired Loans, Recorded Investment, Total	18,627	23,715
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	16,675	14,182
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	3,336	11,653
Impaired Loans, Unpaid Principal Balance, Total	20,011	25,835
Impaired Loans, Related Allowance	477	1,073
Impaired Loans, Average Recorded Investment, With no related allowance recorded	16,031	12,950
Impaired Loans, Average Recorded Investment, With a related allowance recorded	3,286	11,434
Impaired Loans, Average Recorded Investment, Total	19,317	24,384
Impaired Loans, Interest Income Foregone, With no related allowance recorded	503	452
Impaired Loans, Interest Income Foregone, With a related allowance recorded	128	418
Impaired Loans, Interest Income Foregone, Total	631	870
Impaired Loans, Interest Income Recognized, With no related allowance recorded	358	304
Impaired Loans, Interest Income Recognized, With a related allowance recorded	78	243
Impaired Loans, Interest Income Recognized, Total	436	547
Commercial And Industrial [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	3,798	1,633
Impaired Loans, Recorded Investment, With a related allowance recorded	2,760	2,068
Impaired Loans, Recorded Investment, Total	6,558	3,701
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	4,112	2,611
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	2,808	2,095
Impaired Loans, Unpaid Principal Balance, Total	6,920	4,706
Impaired Loans, Related Allowance	442	249
Impaired Loans, Average Recorded Investment, With no related allowance recorded	4,046	1,785
Impaired Loans, Average Recorded Investment, With a related allowance recorded	2,764	2,098
Impaired Loans, Average Recorded Investment, Total	6,810	3,883
Impaired Loans, Interest Income Foregone, With no related allowance recorded	118	116
Impaired Loans, Interest Income Foregone, With a related allowance recorded	109	17
Impaired Loans, Interest Income Foregone, Total	227	133
Impaired Loans, Interest Income Recognized, With no related allowance recorded	143	65
Impaired Loans, Interest Income Recognized, With a related allowance recorded	63	125
Impaired Loans, Interest Income Recognized, Total	206	190
Consumer And Other Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With a related allowance recorded	21	23
Impaired Loans, Recorded Investment, Total	21	23
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	23	27
Impaired Loans, Unpaid Principal Balance, Total	23	27
Impaired Loans, Related Allowance	21	23
Impaired Loans, Average Recorded Investment, With a related allowance recorded	22	23
Impaired Loans, Average Recorded Investment, Total	22	23
Impaired Loans, Interest Income Recognized, With a related allowance recorded	1	2
Impaired Loans, Interest Income Recognized, Total	1	2
Total Real Estate Loans [Member] | Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, Total		6,538
Impaired Loans, Unpaid Principal Balance, Total		6,914
Impaired Loans, Average Recorded Investment, Total		6,733
Impaired Loans, Interest Income Foregone, Total		220
Impaired Loans, Interest Income Recognized, Total		115
Total Real Estate Loans [Member] | Construction [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, Total		8,752
Impaired Loans, Unpaid Principal Balance, Total		9,091
Impaired Loans, Related Allowance		716
Impaired Loans, Average Recorded Investment, Total		8,936
Impaired Loans, Interest Income Foregone, Total		379
Impaired Loans, Interest Income Recognized, Total		125
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	2,744	2,289
Impaired Loans, Recorded Investment, With a related allowance recorded	60	525
Impaired Loans, Recorded Investment, Total	2,804	2,814
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	3,003	2,483
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	62	556
Impaired Loans, Unpaid Principal Balance, Total	3,065	3,039
Impaired Loans, Related Allowance	5	85
Impaired Loans, Average Recorded Investment, With no related allowance recorded	2,823	2,337
Impaired Loans, Average Recorded Investment, With a related allowance recorded	61	520
Impaired Loans, Average Recorded Investment, Total	2,884	2,857
Impaired Loans, Interest Income Foregone, With no related allowance recorded	73	45
Impaired Loans, Interest Income Foregone, With a related allowance recorded	3	22
Impaired Loans, Interest Income Foregone, Total	76	67
Impaired Loans, Interest Income Recognized, With no related allowance recorded	63	69
Impaired Loans, Interest Income Recognized, With a related allowance recorded	1	3
Impaired Loans, Interest Income Recognized, Total	64	72
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	6,019	6,538
Impaired Loans, Recorded Investment, With a related allowance recorded	197
Impaired Loans, Recorded Investment, Total	6,216
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	6,521	6,914
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	197
Impaired Loans, Unpaid Principal Balance, Total	6,718
Impaired Loans, Related Allowance	4
Impaired Loans, Average Recorded Investment, With no related allowance recorded	6,293	6,733
Impaired Loans, Average Recorded Investment, With a related allowance recorded	197
Impaired Loans, Average Recorded Investment, Total	6,490
Impaired Loans, Interest Income Foregone, With no related allowance recorded	225	220
Impaired Loans, Interest Income Foregone, With a related allowance recorded	8
Impaired Loans, Interest Income Foregone, Total	233
Impaired Loans, Interest Income Recognized, With no related allowance recorded	72	115
Impaired Loans, Interest Income Recognized, With a related allowance recorded	4
Impaired Loans, Interest Income Recognized, Total	76
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | Construction [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	1,335	116
Impaired Loans, Recorded Investment, With a related allowance recorded	240	8,636
Impaired Loans, Recorded Investment, Total	1,575
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	1,352	116
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	246	8,975
Impaired Loans, Unpaid Principal Balance, Total	1,598
Impaired Loans, Related Allowance	5	716
Impaired Loans, Average Recorded Investment, With no related allowance recorded	1,344	143
Impaired Loans, Average Recorded Investment, With a related allowance recorded	242	8,793
Impaired Loans, Average Recorded Investment, Total	1,586
Impaired Loans, Interest Income Foregone, With no related allowance recorded	23
Impaired Loans, Interest Income Foregone, With a related allowance recorded	8	379
Impaired Loans, Interest Income Foregone, Total	31
Impaired Loans, Interest Income Recognized, With no related allowance recorded	50	12
Impaired Loans, Interest Income Recognized, With a related allowance recorded	9	113
Impaired Loans, Interest Income Recognized, Total	59
Total Real Estate Loans [Member] | Home Equities [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	1,453	1,887
Impaired Loans, Recorded Investment, Total	1,453	1,887
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	1,687	2,058
Impaired Loans, Unpaid Principal Balance, Total	1,687	2,058
Impaired Loans, Average Recorded Investment, With no related allowance recorded	1,525	1,952
Impaired Loans, Average Recorded Investment, Total	1,525	1,952
Impaired Loans, Interest Income Foregone, With no related allowance recorded	64	71
Impaired Loans, Interest Income Foregone, Total	64	71
Impaired Loans, Interest Income Recognized, With no related allowance recorded	30	43
Impaired Loans, Interest Income Recognized, Total	$ 30	$ 43

Loans And The Allowance For _10

Loans And The Allowance For Loan Losses (Loans Classified As Troubled Debt Restructurings) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Modifications [Line Items]
Total	$ 8,258	$ 17,595
Related Allowance	47	907
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Total	2,052	2,282
Related Allowance	26	154
Consumer And Other Loans [Member]
Financing Receivable, Modifications [Line Items]
Total	21	23
Related Allowance	21	23
Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Total	4,027	12,871
Nonaccruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Total	328	275
Nonaccruing [Member] | Consumer And Other Loans [Member]
Financing Receivable, Modifications [Line Items]
Total
Accruing [Member]
Financing Receivable, Modifications [Line Items]
Total	4,231	4,724
Accruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Total	1,724	2,007
Accruing [Member] | Consumer And Other Loans [Member]
Financing Receivable, Modifications [Line Items]
Total	21	23
Total Real Estate Loans [Member] | Home Equities [Member]
Financing Receivable, Modifications [Line Items]
Total	738	756
Related Allowance
Total Real Estate Loans [Member] | Nonaccruing [Member] | Home Equities [Member]
Financing Receivable, Modifications [Line Items]
Total	175	122
Total Real Estate Loans [Member] | Accruing [Member] | Home Equities [Member]
Financing Receivable, Modifications [Line Items]
Total	563	634
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	1,815	1,617
Related Allowance		14
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	3,632	4,164
Related Allowance
Mortgages [Member] | Total Real Estate Loans [Member] | Nonaccruing [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	449	266
Mortgages [Member] | Total Real Estate Loans [Member] | Nonaccruing [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	3,075	3,571
Mortgages [Member] | Total Real Estate Loans [Member] | Accruing [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	1,366	1,351
Mortgages [Member] | Total Real Estate Loans [Member] | Accruing [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	557	593
Construction [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total
Related Allowance
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total		8,753
Related Allowance		716
Construction [Member] | Total Real Estate Loans [Member] | Nonaccruing [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total
Construction [Member] | Total Real Estate Loans [Member] | Nonaccruing [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total		8,637
Construction [Member] | Total Real Estate Loans [Member] | Accruing [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total
Construction [Member] | Total Real Estate Loans [Member] | Accruing [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total		$ 116

Loans And The Allowance For _11

Loans And The Allowance For Loan Losses (TDR Activity By Type Of Concession Granted To Borrower) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)contract	Dec. 31, 2018USD ($)contract
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment
Commercial And Industrial [Member] | Extension Of Maturity [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	2	2
Pre-Modification Outstanding Recorded Investment	$ 189	$ 1,651
Post-Modification Outstanding Recorded Investment	$ 189	$ 1,651
Commercial And Industrial [Member] | Term-Out Line Of Credit [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	1	1
Pre-Modification Outstanding Recorded Investment	$ 42	$ 29
Post-Modification Outstanding Recorded Investment	$ 42	$ 29
Commercial And Industrial [Member] | Combination Of Concessions [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract		1
Pre-Modification Outstanding Recorded Investment		$ 63
Post-Modification Outstanding Recorded Investment		$ 63
Residential Mortgages [Member] | Extension Of Maturity [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract		1
Pre-Modification Outstanding Recorded Investment		$ 156
Post-Modification Outstanding Recorded Investment		$ 156
Residential Mortgages [Member] | Extension Of Maturity And Interest Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	3
Pre-Modification Outstanding Recorded Investment	$ 307
Post-Modification Outstanding Recorded Investment	$ 307
Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment
Commercial Real Estate Mortgages [Member] | Deferral Of Principal [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract		1
Pre-Modification Outstanding Recorded Investment		$ 8,768
Post-Modification Outstanding Recorded Investment		$ 8,768
Commercial Real Estate Mortgages [Member] | Extension Of Maturity [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract		1
Pre-Modification Outstanding Recorded Investment		$ 181
Post-Modification Outstanding Recorded Investment		$ 181
Commercial Real Estate Mortgages [Member] | Combination Of Concessions [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract		1
Pre-Modification Outstanding Recorded Investment		$ 154
Post-Modification Outstanding Recorded Investment		$ 154
Home Equities [Member] | Deferral Of Principal [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract		1
Pre-Modification Outstanding Recorded Investment		$ 100
Post-Modification Outstanding Recorded Investment		$ 100
Home Equities [Member] | Extension Of Maturity And Interest Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	3
Pre-Modification Outstanding Recorded Investment	$ 390
Post-Modification Outstanding Recorded Investment	$ 390
Home Equities [Member] | Combination Of Concessions [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	1
Pre-Modification Outstanding Recorded Investment	$ 54
Post-Modification Outstanding Recorded Investment	$ 54
Consumer And Other Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract
Pre-Modification Outstanding Recorded Investment
Post-Modification Outstanding Recorded Investment

Properties And Equipment (Sched

Properties And Equipment (Schedule Of Properties And Equipment) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Property, Plant and Equipment [Line Items]
Properties and equipment, gross	$ 34,436	$ 29,901
Less accumulated depreciation	(20,682)	(19,416)
Properties and equipment, net	13,754	10,485
Depreciation expense	1,300	1,200	$ 1,200
Land [Member]
Property, Plant and Equipment [Line Items]
Properties and equipment, gross	268	268
Buildings And Improvements [Member]
Property, Plant and Equipment [Line Items]
Properties and equipment, gross	13,261	13,258
Furniture, Fixtures and Equipment [Member]
Property, Plant and Equipment [Line Items]
Properties and equipment, gross	17,219	$ 16,375
Construction In Progress [Member]
Property, Plant and Equipment [Line Items]
Properties and equipment, gross	$ 3,688

Other Assets (Schedule Of Other

Other Assets (Schedule Of Other Assets) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Other Assets [Abstract]
Net deferred tax asset	$ 3,957	$ 4,417
Accrued interest receivable	4,606	4,594
State historic tax credit receivable	1,969	1,854
Prepaid expenses	1,367	1,451
Mortgage servicing rights	555	609
Historic tax credit investments	1,222	1,243
Accounts receivable	2,111	3,002
Other	941	904
Total other assets	$ 16,728	$ 18,074

Goodwill And Intangible Asset_2

Goodwill And Intangible Assets (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Goodwill	$ 10,500	$ 10,500
Goodwill impairment	0	0
Amortization expense related to intangibles	$ 448	$ 280	$ 113
TEA [Member]
Total revenue increased by, percent	17.50%

Goodwill And Intangible Asset_3

Goodwill And Intangible Assets (Schedule Of Intangible Assets) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Finite-Lived Intangible Assets [Line Items]
Net	$ 2,025
Insurance Expirations [Member]
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	2,865	$ 2,865
Accumulated Amortization	(840)	(393)
Net	$ 2,025	$ 2,472
Weighted Average Amortization Period	5 years	6 years

Goodwill And Intangible Asset_4

Goodwill And Intangible Assets (Schedule Of Expected Amortization Expense) (Details) $ in Thousands	Dec. 31, 2019USD ($)
Goodwill and Intangible Assets [Abstract]
2020	$ 447
2021	447
2022	334
2023	325
2024 - 2025	472
Net	$ 2,025

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($) $ in Millions	Dec. 31, 2019	Dec. 31, 2018
Deposits [Abstract]
Time deposits, $250,000 and over	$ 58	$ 59.5
Brokered time deposits	27.2	41
Overdrawn deposit accounts classified as loans	$ 0.3	$ 0.1

Deposits (Schedule Of Maturitie

Deposits (Schedule Of Maturities Of Time Deposits) (Details) $ in Thousands	Dec. 31, 2019USD ($)
Deposits [Abstract]
2020	$ 208,728
2021	47,227
2022	10,101
2023	8,829
2024	1,042
Time deposits	$ 275,927

Borrowed Funds And Junior Sub_3

Borrowed Funds And Junior Subordinated Debentures (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Debt Instrument [Line Items]
Borrowing amount	$ 10,000	$ 10,000	$ 88,250
FHLBNY stock, carrying value	1,588	1,474
Junior subordinated debentures	11,330	11,330
Capital Securities And Common Stock [Member]
Debt Instrument [Line Items]
Junior subordinated debentures	$ 11,300
Junior Subordinated Debentures [Member]
Debt Instrument [Line Items]
Debt interest rate	4.56%
Junior Subordinated Debentures [Member] | Capital Securities And Common Stock [Member]
Debt Instrument [Line Items]
Debt issuance date	Oct. 1, 2004
Debt maturity date	Oct. 1, 2037
Junior Subordinated Debentures [Member] | Capital Securities [Member]
Debt Instrument [Line Items]
Debt maturity date	Nov. 23, 2034
Junior subordinated debentures	$ 11,000
Distribution rate	4.56%
Junior Subordinated Debentures [Member] | Common Stock [Member]
Debt Instrument [Line Items]
Junior subordinated debentures	$ 300
FHLB Advances [Member]
Debt Instrument [Line Items]
Borrowing amount	$ 10,000	10,000	10,000
FHLB advances fixed interest rate	1.73%
FHLB advances maturity year	2020
FHLB advances available	$ 198,000
FHLB Overnight Line of Credit [Member]
Debt Instrument [Line Items]
Borrowing amount			$ 78,250
FHLB advances available	$ 8,000
LIBOR [Member] | Junior Subordinated Debentures [Member] | Capital Securities [Member]
Debt Instrument [Line Items]
Distribution rate	2.65%

Borrowed Funds And Junior Sub_4

Borrowed Funds And Junior Subordinated Debentures (Schedule Of Amounts And Interest Rates Of Other Borrowed Funds) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Short-term Debt [Line Items]
Amount outstanding	$ 10,000	$ 10,000	$ 88,250
Weighted-average interest rate	1.73%	1.73%	1.55%
Daily average amount outstanding	$ 10,011	$ 30,981	$ 26,491
Weighted-average interest rate	1.73%	1.75%	1.50%
FHLB Overnight Line of Credit [Member]
Short-term Debt [Line Items]
Amount outstanding			$ 78,250
Weighted-average interest rate			1.53%
Highest amount at a month end		$ 78,900	$ 78,250
Daily average amount outstanding	$ 11	$ 20,981	$ 16,491
Weighted-average interest rate	2.70%	1.76%	1.36%
FHLB Advances [Member]
Short-term Debt [Line Items]
Amount outstanding	$ 10,000	$ 10,000	$ 10,000
Weighted-average interest rate	1.73%	1.73%	1.73%
Highest amount at a month end	$ 10,000	$ 10,000	$ 10,000
Daily average amount outstanding	$ 10,000	$ 10,000	$ 10,000
Weighted-average interest rate	1.73%	1.73%	1.73%

Securities Sold Under Agreeme_2

Securities Sold Under Agreements To Repurchase (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Securities Sold Under Agreements To Repurchase [Abstract]
Securities sold under agreement to repurchase	$ 2,425	$ 3,142

Comprehensive Income (Loss) (Sc

Comprehensive Income (Loss) (Schedule Of Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	$ (5,353)	$ (3,417)	$ (2,424)
Net Change	2,770	(1,936)	(993)
Ending Balance	(2,583)	(5,353)	(3,417)
Net Unrealized (Loss) Gain On Investment Securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	(2,348)	(1,049)	(365)
Net Change	2,870	(1,299)	(684)
Ending Balance	522	(2,348)	(1,049)
Net Defined Benefit Pension Plan Adjustments [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	(3,005)	(2,368)	(2,059)
Net Change	(100)	(637)	(309)
Ending Balance	$ (3,105)	$ (3,005)	$ (2,368)

Comprehensive Income (Loss) (Co

Comprehensive Income (Loss) (Components Of Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019		Dec. 31, 2018	Dec. 31, 2017
Unrealized gain (loss) on investment securities:
Unrealized gain (loss) on investment securities, Before-Tax Amount	$ 3,875		$ (1,756)	$ (826)
Unrealized gain (loss) on investment securities, Income Tax (Provision) Benefit	(1,005)		457	319
Unrealized gain (loss) on investment securities, Net-of-Tax Amount	2,870		(1,299)	(507)
Unrealized (loss) gain on investment securities, Tax effect reclass due to TCJA				(177)
Unrealized (loss) gain on investment securities, Total Net Change				(684)
Defined benefit pension plan adjustments:
Net actuarial (loss) gain, Before-Tax Amount	(581)		(987)	(30)
Net actuarial gain (loss), Income Tax (Provision) Benefit	212		196	11
Net actuarial gain (loss), Net-of-Tax Amount	(369)		(791)	(19)
Amortization of prior service cost, Before-Tax Amount	32	[1]	31	31	[1]
Amortization of prior service cost, Income Tax (Provision) Benefit	(9)	[1]	(5)	(4)	[1]
Amortization of prior service cost, Net-of-Tax Amount	23	[1]	26	27	[1]
Amortization of actuarial loss, Before-Tax Amount	332	[1]	169	173	[1]
Amortization of actuarial loss, Income Tax (Provision) Benefit	(86)	[1]	(41)	(36)	[1]
Amortization of actuarial loss, Net-of-Tax Amount	246	[1]	128	137	[1]
Net change, Before-Tax Amount	(217)		(787)	174
Net change, Income Tax (Provision) Benefit	117		150	(29)
Net change, Net-of-Tax Amount	(100)		(637)	145
Net change, Tax effect reclass due to TCJA				(454)
Net change, Total Net Change				(309)
Other comprehensive (loss) income, Before-Tax Amount	3,658		(2,543)	(652)
Other comprehensive (loss) income, Income Tax (Provision) Benefit	(888)		607	290
OTHER COMPREHENSIVE INCOME (LOSS), NET OF TAX	2,770		(1,936)	(362)
Other Comprehensive Income (Loss), Tax effect reclass due to TCJA				(631)
Other Comprehensive Income (Loss), Total Net Change	$ 2,770		$ (1,936)	$ (993)
[1]	Included in net periodic pension cost as described in Note 11 - "Employee Benefits and Deferred Compensation Plans"

Employee Benefits And Deferre_3

Employee Benefits And Deferred Compensation Plans (Narrative) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)item	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)	Dec. 31, 2020USD ($)
Defined Benefit Plan Disclosure [Line Items]
Cash surrender value of bank-owned life insurance contracts	$ 29,418	$ 28,403
Pension Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Expected long-term rate of return on plan assets	5.50%	5.50%	6.50%
Company contribution in the next fiscal year	$ 0
Discount rate for projected benefit obligation	3.20%	4.20%	3.55%
Benefit obligation	$ 6,402	$ 5,390	$ 5,842
Supplemental Executive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Discount rate for projected benefit obligation	2.72%	3.84%	3.09%
Required benefit service period	10 years
Number of highest consecutive years	5 years
Number of SERP plans | item	2
Benefit obligation	$ 5,747	$ 5,398	$ 4,542
Supplemental Executive Retirement Plan [Member] | Minimum [Member]
Defined Benefit Plan Disclosure [Line Items]
Required benefit service period	15 years
Percentage of participants salary used to determine accrued benefit	25.00%
Supplemental Executive Retirement Plan [Member] | Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Required benefit service period	20 years
Percentage of participants salary used to determine accrued benefit	35.00%
Non-Qualified Executive Incentive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Compensation cost	$ 200	100	100
Benefit obligation	1,900	2,100	2,000
401(K) Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Compensation cost	$ 1,000	$ 1,000	$ 800
Vesting period of employer contributions	6 years
Forecast [Member] | Pension Benefits [Member]
Defined Benefit Plan Disclosure [Line Items]
Amounts to be amortized from accumulated other comprehensive loss into net periodic cost for actuarial losses				$ 100
Forecast [Member] | Supplemental Executive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Amounts to be amortized from accumulated other comprehensive loss into net periodic cost for prior service costs				31
Amounts to be amortized from accumulated other comprehensive loss into net periodic cost for actuarial losses				$ 350
Equity Securities [Member] | Pension Benefits [Member] | Minimum [Member]
Defined Benefit Plan Disclosure [Line Items]
Expected long-term rate of return on plan assets	5.00%
Equity Securities [Member] | Pension Benefits [Member] | Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Expected long-term rate of return on plan assets	10.00%
Fixed Income Securities [Member] | Pension Benefits [Member] | Minimum [Member]
Defined Benefit Plan Disclosure [Line Items]
Expected long-term rate of return on plan assets	4.00%
Fixed Income Securities [Member] | Pension Benefits [Member] | Maximum [Member]
Defined Benefit Plan Disclosure [Line Items]
Expected long-term rate of return on plan assets	5.00%

Employee Benefits And Deferre_4

Employee Benefits And Deferred Compensation Plans (Schedule Of Defined Benefit Plans Disclosures, Employee Pension Plan) (Details) - Pension Benefits [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Change in benefit obligation:
Benefit obligation at the beginning of the year	$ 5,390	$ 5,842
Service cost
Interest cost	223	205	216
Assumption change	978	(491)
Actuarial (gain) loss	38	50
Benefits paid	(227)	(216)
Benefit obligation at the end of the year	6,402	5,390	5,842
Change in plan assets:
Fair value of plan assets at beginning of year	5,180	5,787
Actual return on plan assets	1,091	(391)
Employer contributions
Benefits paid	(227)	(216)
Fair value of plan assets at end of year	6,044	5,180	$ 5,787
Funded status	(358)	(210)
Accrued benefit liabilities	(358)	(210)
Net actuarial loss	2,477	2,372
Prior service cost
Net amount recognized in equity – pre-tax	2,477	2,372
Accumulated benefit obligation at year end	$ 6,402	$ 5,390

Employee Benefits And Deferre_5

Employee Benefits And Deferred Compensation Plans (Schedule Of Assumptions Used, Employee Pension Plan) (Details) - Pension Benefits [Member]	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Defined Benefit Plan Disclosure [Line Items]
Discount rate for projected benefit obligation	3.20%	4.20%	3.55%
Discounted rate for net periodic pension cost	4.20%	3.55%	3.95%
Rate of increase in compensation levels
Expected long-term rate of return on plan assets	5.50%	5.50%	6.50%

Employee Benefits And Deferre_6

Employee Benefits And Deferred Compensation Plans (Schedule Of Net Periodic Benefit Cost, Employee Pension Plan) (Details) - Pension Benefits [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Defined Benefit Plan Disclosure [Line Items]
Service cost
Interest cost	223	205	216
Expected return on plan assets	(278)	(312)	(275)
Net amortization and deferral	98	83	92
Net periodic cost (benefit)	$ 43	$ (24)	$ 33

Employee Benefits And Deferre_7

Employee Benefits And Deferred Compensation Plans (Schedule Of Weighted Average Asset Allocation) (Details) - Pension Benefits [Member]	Dec. 31, 2019	Dec. 31, 2018
Defined Benefit Plan Disclosure [Line Items]
Weighted average plan asset allocations	100.00%	100.00%
Equity Mutual Funds [Member]
Defined Benefit Plan Disclosure [Line Items]
Weighted average plan asset allocations	27.28%	26.53%
Fixed Income Mutual Funds [Member]
Defined Benefit Plan Disclosure [Line Items]
Weighted average plan asset allocations	71.59%	71.61%
Cash/Short-Term Investments [Member]
Defined Benefit Plan Disclosure [Line Items]
Weighted average plan asset allocations	1.13%	1.86%

Employee Benefits And Deferre_8

Employee Benefits And Deferred Compensation Plans (Schedule Of Major Categories Of Assets) (Details) - Pension Benefits [Member] - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Defined Benefit Plan Disclosure [Line Items]
Plan assets	$ 6,044	$ 5,180	$ 5,787
Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	6,044	5,180
Cash [Member] | Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	13
Mutual Funds, Money Market [Member] | Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	55	96
Fixed Income Mutual Funds [Member] | Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	4,327	3,710
Equities, Large Cap [Member] | Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	617	576
Equities, International Large Cap [Member] | Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets	$ 1,032	789
Equities, International Small Cap [Member] | Level 1 [Member]
Defined Benefit Plan Disclosure [Line Items]
Plan assets		$ 9

Employee Benefits And Deferre_9

Employee Benefits And Deferred Compensation Plans (Schedule Of Expected Benefit Payments, Employee Pension Plan) (Details) - Pension Benefits [Member] $ in Thousands	Dec. 31, 2019USD ($)
Defined Benefit Plan Disclosure [Line Items]
2020	$ 219
2021	234
2022	268
2023	291
2024	338
Year 2025 - 2029	$ 1,722

Employee Benefits And Deferr_10

Employee Benefits And Deferred Compensation Plans (Schedule Of Defined Benefit Plans Disclosures, SERP) (Details) - Supplemental Executive Retirement Plan [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Change in benefit obligation:
Benefit obligation at the beginning of the year	$ 5,398	$ 4,542
Service cost	146	187	$ 168
Interest cost	202	137	137
Actuarial (gain) loss	378	725
Benefits paid	(377)	(193)
Benefit obligation at the end of the year	5,747	5,398	4,542
Change in plan assets:
Fair value of plan assets at beginning of year
Actual return on plan assets
Employer contributions	377	193
Benefits paid	(377)	(193)
Fair value of plan assets at end of year
Funded status	(5,747)	(5,398)
Accrued benefit liabilities	(5,747)	(5,398)
Net actuarial loss	1,624	1,480
Prior service cost	93	125
Net amount recognized in equity – pre-tax	1,717	1,605
Accumulated benefit obligation at year end	$ 5,432	$ 5,047

Employee Benefits And Deferr_11

Employee Benefits And Deferred Compensation Plans (Schedule Of Assumptions Used, SERP) (Details) - Supplemental Executive Retirement Plan [Member]	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Defined Benefit Plan Disclosure [Line Items]
Discount rate for projected benefit obligation	2.72%	3.84%	3.09%
Discounted rate for net periodic pension cost	3.84%	3.09%	3.30%
Salary scale	6.00%	6.00%	3.00%

Employee Benefits And Deferr_12

Employee Benefits And Deferred Compensation Plans (Schedule Of Net Periodic Benefit Cost, SERP) (Details) - Supplemental Executive Retirement Plan [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Defined Benefit Plan Disclosure [Line Items]
Service cost	$ 146	$ 187	$ 168
Interest cost	202	137	137
Net amortization and deferral	266	117	112
Net periodic cost (benefit)	$ 614	$ 441	$ 417

Employee Benefits And Deferr_13

Employee Benefits And Deferred Compensation Plans (Schedule Of Expected Benefit Payments, SERP) (Details) - Supplemental Executive Retirement Plan [Member] $ in Thousands	Dec. 31, 2019USD ($)
Defined Benefit Plan Disclosure [Line Items]
2020	$ 378
2021	285
2022	3,030
2023	285
2024	285
Year 2025 - 2029	$ 1,026

Stock-Based Compensation (Narra

Stock-Based Compensation (Narrative) (Details) $ in Millions	12 Months Ended
	Dec. 31, 2019USD ($)ShareBasedCompensationPlanshares	Dec. 31, 2018USD ($)shares	Dec. 31, 2017USD ($)shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock-based compensation plans | ShareBasedCompensationPlan	2
Shares issued in Employee Stock Purchase Plan | shares	11,712	10,821	7,610
Employee [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, cost recognized | $	$ 0.7	$ 0.6	$ 0.5
Director [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, cost recognized | $	0.2	$ 0.2	$ 0.1
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized cost related to options | $	$ 0.3
Expected term	6 years 11 months 16 days	6 years 9 months 22 days	6 years 11 months 12 days
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized cost related to restricted share-based compensation arrangements | $	$ 0.9
Equity Plans [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized | shares	603,883
Equity Plans [Member] | Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Purchase price of stock as a percentage of it's fair market value	100.00%
Equity Plans [Member] | Stock Options [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	4 years
Expected term	10 years
Equity Plans [Member] | Stock Options [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	12 months
2019 Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares available for grant | shares	313,429
Employee Stock Purchase Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares available for grant | shares	92,411
Purchase price of stock as a percentage on grant or exercise date	85.00%
Shares issued in Employee Stock Purchase Plan | shares	11,712	10,821	7,610
Maximum employee subscription rate	15.00%
Employee Stock Purchase Plan [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based compensation, cost recognized | $	$ 0.1	$ 0.1	$ 0.1

Stock-Based Compensation (Sched

Stock-Based Compensation (Schedule Of Stock Options Valuation Assumptions) (Details) - Stock Options [Member] - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Dividend Yield	2.88%	2.04%	2.03%
Expected Life (years)	6 years 11 months 16 days	6 years 9 months 22 days	6 years 11 months 12 days
Expected Volatility	17.36%	16.57%	17.34%
Risk-free Interest Rate	2.47%	2.82%	2.24%
Weighted Average Fair Value	$ 5.01	$ 7.63	$ 6.41

Stock-Based Compensation (Sch_2

Stock-Based Compensation (Schedule Of Stock Options Activity) (Details) - Stock Options [Member] $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options Balance, Beginning | shares	218,968
Options Granted | shares	44,820
Options Exercised | shares	(37,490)
Options Expired | shares	(2,140)
Options Forfeited | shares	(8,598)
Options Balance, Ending | shares	215,560
Options Exercisable, Ending | shares	140,974
Weighted Average Exercise Price, Balance, Beginning | $ / shares	$ 24.18
Weighted Average Exercise Price, Granted | $ / shares	36.12
Weighted Average Exercise Price, Exercised | $ / shares	15.18
Weighted Average Exercise Price, Expired | $ / shares	39.19
Weighted Average Exercise Price, Forfeited | $ / shares	37.73
Weighted Average Exercise Price, Balance, Ending | $ / shares	27.54
Weighted Average Exercise Price, Exercisable, Ending | $ / shares	$ 22.39
Weighted Average Remaining Contractual Term (years), Balance, Ending	5 years 8 months 5 days
Weighted Average Remaining Contractual Term (years), Exercisable, Ending	4 years 2 months 16 days
Aggregate Intrinsic Value, Balance, Ending | $	$ 2,827
Aggregate Intrinsic Value, Balance, Exercisable, Ending | $	$ 2,531

Stock-Based Compensation (Sch_3

Stock-Based Compensation (Schedule Of Unrecognized Compensation Cost) (Details) - Stock Options [Member] $ in Thousands	Dec. 31, 2019USD ($)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
2020	$ 132
2021	96
2022	60
2023	$ 15

Stock-Based Compensation (Sch_4

Stock-Based Compensation (Schedule Of Restricted Stock Award Activity) (Details) - Restricted Stock [Member]	12 Months Ended
	Dec. 31, 2019$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares Balance, Beginning | shares	35,345
Shares Granted | shares	25,448
Shares Vested | shares	(17,166)
Shares Forfeited | shares	(3,816)
Shares Balance, Ending | shares	39,811
Weighted Average Grant Date Fair Value, Balance, Beginning | $ / shares	$ 38.01
Weighted Average Grant Date Fair Value, Granted | $ / shares	35.98
Weighted Average Grant Date Fair Value, Vested | $ / shares	36.22
Weighted Average Grant Date Fair Value, Forfeited | $ / shares	38.37
Weighted Average Grant Date Fair Value, Balance, Ending | $ / shares	$ 37.45

Stock-Based Compensation (Sch_5

Stock-Based Compensation (Schedule Of Unrecognized Compensation Cost) (Details) - Restricted Stock [Member] $ in Thousands	Dec. 31, 2019USD ($)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
2020	$ 434
2021	281
2022	165
2023	$ 40

Stock-Based Compensation (Sch_6

Stock-Based Compensation (Schedule Of Activity Under Share Based Compensation Plans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Stock Options [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total intrinsic value of stock options exercised	$ 770	$ 1,237	$ 567
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total fair value of restricted stock awards vested	$ 610	$ 736	$ 645

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Tax Contingency [Line Items]
Valuation allowance	$ 218	$ 334
Net deferred tax asset for investment in a historic tax credits	444	490
Unrecognized tax benefits	0	0	$ 0
Accrued income tax penalties and interest	$ 0	$ 0
Marginal federal tax rate	21.00%	35.00%
Deferred tax asset remeasurement, Amount			$ 2,074
IRS and New York State Department of Taxation & Finance [Member] | Earliest Tax Year [Member]
Income Tax Contingency [Line Items]
Tax years remain subject to examination	2016
IRS and New York State Department of Taxation & Finance [Member] | Latest Tax Year [Member]
Income Tax Contingency [Line Items]
Tax years remain subject to examination	2018
State [Member] | New York State Division of Taxation and Finance [Member] | Earliest Tax Year [Member]
Income Tax Contingency [Line Items]
Tax years subject to examination	2017
State [Member] | New York State Division of Taxation and Finance [Member] | Latest Tax Year [Member]
Income Tax Contingency [Line Items]
Tax years subject to examination	2018
Historic Structure In New York State [Member]
Income Tax Contingency [Line Items]
Valuation allowance	$ 200
Net deferred tax asset for investment in a historic tax credits	$ 400

Income Taxes (Schedule Of Compo

Income Taxes (Schedule Of Components Of Income Tax Provision (Benefit)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Taxes [Abstract]
Current federal tax expense	$ 4,639	$ 1,182	$ 2,041
Current state tax expense	1,160	606	18
Total current tax expense	5,799	1,788	2,059
Deferred federal tax expense (benefit)	(513)		2,441
Deferred state tax expense	(58)	495	709
Total deferred tax expense (benefit)	(571)	495	3,150
Income tax provision	$ 5,228	$ 2,283	$ 5,209

Income Taxes (Schedule Of Effec

Income Taxes (Schedule Of Effective Income Tax Rate Reconciliation) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Taxes [Abstract]
Tax provision at statutory rate, Amount	$ 4,671	$ 3,914	$ 5,334
Tax-exempt income, Amount	(213)	(287)	(589)
Historic tax credit, Amount	(81)	(2,043)	(1,869)
State taxes, net of federal benefit, Amount	870	871	455
Deferred tax asset remeasurement, Amount			2,074
Other items, net, Amount	(19)	(172)	(196)
Income tax provision	$ 5,228	$ 2,283	$ 5,209
Tax provision at statutory rate, Percent	21.00%	21.00%	34.00%
Tax-exempt income, Percent	(1.00%)	(2.00%)	(4.00%)
Historic tax credit, Percent		(11.00%)	(12.00%)
State taxes, net of federal benefit, Percent	4.00%	5.00%	2.00%
Deferred tax asset remeasurement, Percent			13.00%
Other items, net, Percent		(1.00%)
Income tax provision, Percent	24.00%	12.00%	33.00%

Income Taxes (Schedule Of Histo

Income Taxes (Schedule Of Historic Tax Credit) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Income Tax Contingency [Line Items]
Loss on tax credit investment	$ (158)	$ (2,870)	$ (3,997)
Refundable state historic tax credit	115	1,982	2,843
Income tax benefit	(5,228)	(2,283)	(5,209)
Historic Structure In New York State [Member]
Income Tax Contingency [Line Items]
Loss on tax credit investment	(158)	(2,870)	(3,997)
Refundable state historic tax credit	115	1,982	2,843
Income tax benefit	81	2,043	1,869
Total HTC income	$ 38	$ 1,155	$ 715

Income Taxes (Schedule Of Defer

Income Taxes (Schedule Of Deferred Tax Assets And Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Deferred tax assets:
Pension and SERP plans	$ 1,584	$ 1,452
Allowance for loan and lease losses	3,876	3,788
Non accrued interest		68
Deferred compensation	558	614
Loss on investment in tax credit	444	490
Stock options granted	192	165
Leases liabilities	1,078	119
Net unrealized losses on securities		822
Other	37
Gross deferred tax assets	7,769	7,518
Deferred tax liabilities:
Depreciation and amortization	1,614	1,637
Right of use assets	965
Prepaid expenses	617	616
Net unrealized gains on securities	183
Deferred dividend income		356
Mortgage servicing asset	144	158
Other	71
Gross deferred tax liabilities	3,594	2,767
Valuation allowance	(218)	(334)
Net deferred tax asset	$ 3,957	$ 4,417

Revenue Recognition Of Non-In_4

Revenue Recognition Of Non-Interest Income (Schedule Of Disaggregation Of Insurance Service And Other Fees) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	$ 10,688	$ 9,365	$ 7,898
Commercial Property And Casualty Insurance Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	4,014	3,541	2,918
Personal Property And Casualty Insurance Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	3,416	3,067	2,608
Employee Benefits Sales Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	1,136	855	528
Profit Sharing And Contingent Revenue [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	1,050	905	928
Wealth Management And Other Financial Services [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	517	563	425
Insurance Claims Services Revenue [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	453	305	390
Other Insurance-Related Revenue [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	$ 102	$ 129	$ 101

Other Liabilities (Schedule Of

Other Liabilities (Schedule Of Other Liabilities) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Other Liabilities [Abstract]
Retirement compensation liabilities	$ 8,308	$ 7,976
Accounts payable	5,211	4,989
Taxes payable	1,657
Historic tax credit investment		2,996
Interest payable	677	877
Loan participation payable	437
Other	138	193
Total other liabilities	$ 16,428	$ 17,031

Related Party Transactions (Nar

Related Party Transactions (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Related Party Transactions [Abstract]
Aggregate amount of loans to related party	$ 1.7	$ 1.3
New advances to related party during period	2.9
Related party loans repaid	2.5
Related party deposits	$ 4.1	$ 3.4

Contingent Liabilities And Co_3

Contingent Liabilities And Commitments (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Contingent Liabilities And Commitments [Abstract]
Losses on commitments	$ 0	$ 0	$ 0
Reserve for commitments	0	0	0
Aggregate minimum annual rental commitments, 2020	748
Aggregate minimum annual rental commitments, 2021	682
Aggregate minimum annual rental commitments, 2022	694
Aggregate minimum annual rental commitments, 2023	589
Aggregate minimum annual rental commitments, 2024	452
Aggregate minimum annual rental commitments, Thereafter	1,640
Rental expense under operating leases	$ 700	$ 700	$ 700

Contingent Liabilities And Co_4

Contingent Liabilities And Commitments (Summary Of Commitments And Contingent Liabilities) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Loss Contingencies [Line Items]
Commitments and contingent liabilities	$ 336,283	$ 294,164
Losses on commitments	0	0	$ 0
Reserve for commitments	0	0	$ 0
Commitments To Extend Credit [Member]
Loss Contingencies [Line Items]
Commitments and contingent liabilities	331,974	290,785
Standby Letters Of Credit [Member]
Loss Contingencies [Line Items]
Commitments and contingent liabilities	$ 4,309	$ 3,379

Concentrations Of Credit (Narra

Concentrations Of Credit (Narrative) (Details)	12 Months Ended
	Dec. 31, 2019
Capital [Member] | Maximum [Member] | Credit Concentration Risk [Member]
Concentration Risk [Line Items]
Concentration risk, percentage	15.00%

Segment Information (Schedule O

Segment Information (Schedule Of Business Segments) (Details) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019USD ($)	Sep. 30, 2019USD ($)	Jun. 30, 2019USD ($)	Mar. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Sep. 30, 2018USD ($)	Jun. 30, 2018USD ($)	Mar. 31, 2018USD ($)	Dec. 31, 2019USD ($)segment	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Number of primary business segments | segment									2
Net interest income (expense)	$ 12,792	$ 13,621	$ 13,134	$ 12,508	$ 12,373	$ 12,086	$ 12,196	$ 11,452	$ 52,055	$ 48,107	$ 42,017
Provision for loan losses									75	1,402	738
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES									51,980	46,705	41,279
Insurance service and fees									10,688	9,365	7,898
Other non-interest income									18,082	15,227	13,003
Amortization expense									448	280	113
Other non-interest expense									47,820	43,293	38,594
INCOME BEFORE INCOME TAXES									22,242	18,639	15,688
Income tax provision									5,228	2,283	5,209
NET INCOME	$ 3,748	$ 5,164	$ 4,382	$ 3,720	$ 4,451	$ 4,795	$ 3,791	$ 3,319	17,014	16,356	10,479
Operating Segments [Member]
Net interest income (expense)									52,055	48,107	42,017
Provision for loan losses									75	1,402	738
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES									51,980	46,705	41,279
Insurance service and fees									10,688	9,365	7,898
Other non-interest income									7,394	5,862	5,105
Amortization expense									448	280	113
Other non-interest expense									47,372	43,013	38,481
INCOME BEFORE INCOME TAXES									22,242	18,639	15,688
Income tax provision									5,228	2,283	5,209
NET INCOME									17,014	16,356	10,479
Banking Activities [Member] | Operating Segments [Member]
Net interest income (expense)									52,152	48,228	42,119
Provision for loan losses									75	1,402	738
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES									52,077	46,826	41,381
Insurance service and fees									480	541	416
Other non-interest income									7,232	5,862	5,105
Other non-interest expense									38,961	35,683	32,610
INCOME BEFORE INCOME TAXES									20,828	17,546	14,292
Income tax provision									4,860	1,999	4,674
NET INCOME									15,968	15,547	9,618
Insurance Agency Activities [Member] | Operating Segments [Member]
Net interest income (expense)									(97)	(121)	(102)
Provision for loan losses
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES									(97)	(121)	(102)
Insurance service and fees									10,208	8,824	7,482
Other non-interest income									162
Amortization expense									448	280	113
Other non-interest expense									8,411	7,330	5,871
INCOME BEFORE INCOME TAXES									1,414	1,093	1,396
Income tax provision									368	284	535
NET INCOME									$ 1,046	$ 809	$ 861

Segment Information (Schedule_2

Segment Information (Schedule Of Identifiable Assets, Net) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Segment Reporting Information [Line Items]
Consolidated Total Assets	$ 1,460,230	$ 1,388,207
Operating Segments [Member] | Banking Activities [Member]
Segment Reporting Information [Line Items]
Consolidated Total Assets	1,443,611	1,371,560
Operating Segments [Member] | Insurance Agency Activities [Member]
Segment Reporting Information [Line Items]
Consolidated Total Assets	$ 16,619	$ 16,647

Acquisitions (Narrative) (Detai

Acquisitions (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	Dec. 19, 2019	Dec. 31, 2019	Dec. 31, 2017	Sep. 30, 2019	Dec. 31, 2018
Business Acquisition [Line Items]
Common stock, par value		$ 0.50			$ 0.50
Cash	$ 17.80
Assets		$ 1,460,230			$ 1,388,207
Loans		437
Liabilities		1,311,777			1,256,561
Deposits		1,267,440			$ 1,215,058
Merger-related expenses		$ 200	$ 0
FSB Bancorp, Inc [Member]
Business Acquisition [Line Items]
Assets				$ 325,000
Loans				277,000
Investment securities				24,000
Liabilities				293,000
Deposits				$ 233,000
Evans Common Stock [Member]
Business Acquisition [Line Items]
Shares of common stock	0.4394
Common stock, par value	$ 0.50
FSB Bancorp, Inc [Member]
Business Acquisition [Line Items]
Common stock, par value	$ 0.01
Percentage of aggregate consideration paid, cash	50.00%
Total consideration	$ 35,000
FSB Bancorp, Inc [Member] | Evans Common Stock [Member]
Business Acquisition [Line Items]
Percentage of aggregate consideration paid, common stock	50.00%

Fair Value Of Financial Instr_3

Fair Value Of Financial Instruments (Narrative) (Details) $ in Thousands	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans, allowance for loan loss	$ 477	$ 1,073
Minimum [Member] | Impaired Loans [Member] | Level 3 [Member] | Discount Rate [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount on appraisals of the collateral	10
Maximum [Member] | Impaired Loans [Member] | Level 3 [Member] | Discount Rate [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount on appraisals of the collateral	50
Nonrecurring [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent impaired loans	$ 15,735	20,590
Nonrecurring [Member] | Level 3 [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent impaired loans	$ 15,735	$ 20,590

Fair Value Of Financial Instr_4

Fair Value Of Financial Instruments (Financial Instruments Measured At Fair Value On Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	$ 127,922	$ 132,104
Mortgage servicing rights	555	609
U.S. Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	28,156	33,928
States and Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	3,351	22,173
Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	96,416	76,003
Recurring [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage servicing rights
Recurring [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage servicing rights
Recurring [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Mortgage servicing rights	555	609
Recurring [Member] | U.S. Government Agencies [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
Recurring [Member] | U.S. Government Agencies [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	28,156	33,928
Recurring [Member] | U.S. Government Agencies [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
Recurring [Member] | States and Political Subdivisions [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
Recurring [Member] | States and Political Subdivisions [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	3,351	22,173
Recurring [Member] | States and Political Subdivisions [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
Recurring [Member] | Mortgage-Backed Securities [Member] | Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale
Recurring [Member] | Mortgage-Backed Securities [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale	96,416	76,003
Recurring [Member] | Mortgage-Backed Securities [Member] | Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities available-for-sale

Fair Value Of Financial Instr_5

Fair Value Of Financial Instruments (Summary Of Changes In Fair Value At Level 3, Mortgage Servicing Rights) (Details) - Mortgage Servicing Rights [Member] - Level 3 [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Mortgage servicing rights, beginning	$ 609	$ 586	$ 527
Gains/(Losses) included in earnings	(178)	(22)	(48)
Additions from loan sales	124	45	107
Mortgage servicing rights, ending	$ 555	$ 609	$ 586

Fair Value Of Financial Instr_6

Fair Value Of Financial Instruments (Quantitative Information About Significant Unobservable Inputs For MSRs) (Details) - Mortgage Servicing Rights [Member] - Level 3 [Member]	Dec. 31, 2019	Dec. 31, 2018
Servicing Fees [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair value measurement of unobservable input (as a percent)	0.25	0.25
Discount Rate [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair value measurement of unobservable input (as a percent)	9	9
Prepayment Rate (CPR) [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair value measurement of unobservable input (as a percent)	8.21	6.52

Fair Value Of Financial Instr_7

Fair Value Of Financial Instruments (Financial Instruments Measured At Fair Value On Nonrecurring Basis) (Details) - Nonrecurring [Member] - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	$ 15,735	$ 20,590
Level 1 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans
Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans
Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	$ 15,735	$ 20,590

Fair Value Of Financial Instr_8

Fair Value Of Financial Instruments (Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	$ 127,922	$ 132,104
Held to maturity securities	2,392	1,674
Mortgage servicing rights	555	609
Demand deposits	263,717	231,902
NOW deposits	140,654	110,450
Savings deposits	587,142	571,479
Time deposits	275,927	301,227
Carrying Amount [Member] | Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	38,857	39,915
Demand deposits	263,717	231,902
NOW deposits	140,654	110,450
Savings deposits	587,142	571,479
Carrying Amount [Member] | Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	127,922	132,104
FHLB and FRB stock	3,544	3,403
Securities sold under agreement to repurchase	2,425	3,142
Other borrowed funds	10,000	10,000
Junior subordinated debentures	11,330	11,330
Carrying Amount [Member] | Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held to maturity securities	2,386	1,685
Loans, net	1,211,356	1,141,146
Mortgage servicing rights	555	609
Time deposits	275,927	301,227
Fair Value [Member] | Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	38,857	39,915
Demand deposits	263,717	231,902
NOW deposits	140,654	110,450
Savings deposits	587,142	571,479
Fair Value [Member] | Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	127,922	132,104
FHLB and FRB stock	3,544	3,403
Securities sold under agreement to repurchase	2,425	3,142
Other borrowed funds	9,997	9,854
Junior subordinated debentures	11,330	11,330
Fair Value [Member] | Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held to maturity securities	2,392	1,674
Loans, net	1,222,386	1,131,891
Mortgage servicing rights	555	609
Time deposits	$ 277,051	$ 298,999

Regulatory Matters (Schedule Of

Regulatory Matters (Schedule Of Compliance With Regulatory Capital Requirements Under Banking Regulations) (Details) $ in Thousands	Dec. 31, 2019USD ($)
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier I (to Risk Weighted Assets), Amount	$ 150,860
Common Equity Tier I (to Risk Weighted Assets), Ratio	12.32%
Common Equity Tier I (to Risk Weighted Assets), Minimum for Capital Adequacy Purposes, Amount	$ 55,099
Common Equity Tier I (to Risk Weighted Assets), Minimum for Capital Adequacy Purposes, Ratio	4.50%
Common Equity Tier I (to Risk Weighted Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 85,710
Common Equity Tier I (to Risk Weighted Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	7.00%
Total Capital (to Risk Weighted Assets), Amount	$ 166,035
Total Capital (to Risk Weighted Assets), Ratio	13.56%
Total Capital (to Risk Weighted Assets), Minimum for Capital Adequacy Purposes, Amount	$ 97,954
Total Capital (to Risk Weighted Assets), Minimum for Capital Adequacy Purposes, Ratio	8.00%
Total Capital (to Risk Weighted Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 128,565
Total Capital (to Risk Weighted Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	10.50%
Tier I Capital (to Risk Weighted Assets), Amount	$ 150,860
Tier I Capital (to Risk Weighted Assets), Ratio	12.32%
Tier I Capital (to Risk Weighted Assets), Minimum for Capital Adequacy Purposes, Amount	$ 73,466
Tier I Capital (to Risk Weighted Assets), Minimum for Capital Adequacy Purposes, Ratio	6.00%
Tier I Capital (to Risk Weighted Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 104,076
Tier I Capital (to Risk Weighted Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	8.50%
Tier I Capital (to Average Assets), Amount	$ 150,860
Tier I Capital (to Average Assets), Ratio	10.33%
Tier I Capital (to Average Assets), Minimum for Capital Adequacy Purposes, Amount	$ 58,397
Tier I Capital (to Average Assets), Minimum for Capital Adequacy Purposes, Ratio	4.00%
Tier I Capital (to Average Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 72,996
Tier I Capital (to Average Assets), Minimum to be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	5.00%
Bank [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier I (to Risk Weighted Assets), Amount	$ 147,618
Common Equity Tier I (to Risk Weighted Assets), Ratio	12.08%
Total Capital (to Risk Weighted Assets), Amount	$ 162,793
Total Capital (to Risk Weighted Assets), Ratio	13.32%
Tier I Capital (to Risk Weighted Assets), Amount	$ 147,618
Tier I Capital (to Risk Weighted Assets), Ratio	12.08%
Tier I Capital (to Average Assets), Amount	$ 147,618
Tier I Capital (to Average Assets), Ratio	10.15%

Parent Company Only Financial_3

Parent Company Only Financial Information (Condensed Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Other assets	$ 16,728	$ 18,074
TOTAL ASSETS	1,460,230	1,388,207
Junior subordinated debentures	11,330	11,330
Other liabilities	16,428	17,031
Total liabilities	1,311,777	1,256,561
Total Stockholders’ Equity	148,453	131,646	$ 118,342	$ 96,748
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	1,460,230	1,388,207
Parent Company [Member]
Cash	1,027	1,446
Other assets	407	403
Investment in subsidiaries	159,620	142,268
TOTAL ASSETS	161,054	144,117
Junior subordinated debentures	11,330	11,330
Other liabilities	1,271	1,141
Total liabilities	12,601	12,471
Total Stockholders’ Equity	148,453	131,646
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 161,054	$ 144,117

Parent Company Only Financial_4

Parent Company Only Financial Information (Condensed Statements Of Income) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
INCOME BEFORE INCOME TAXES									$ 22,242	$ 18,639	$ 15,688
NET INCOME	$ 3,748	$ 5,164	$ 4,382	$ 3,720	$ 4,451	$ 4,795	$ 3,791	$ 3,319	17,014	16,356	10,479
COMPREHENSIVE INCOME									19,784	14,420	10,117
Parent Company [Member]
Dividends from subsidiaries									4,500	8,300	2,100
Income									4	147
Expenses									(1,323)	(927)	(771)
INCOME BEFORE INCOME TAXES									3,181	7,520	1,329
Equity in undistributed earnings of subsidiaries									13,833	8,836	9,150
NET INCOME									17,014	16,356	10,479
Other comprehensive income
COMPREHENSIVE INCOME									$ 17,014	$ 16,356	$ 10,479

Parent Company Only Financial_5

Parent Company Only Financial Information (Condensed Statements Of Cash Flows) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Net income	$ 3,748	$ 5,164	$ 4,382	$ 3,720	$ 4,451	$ 4,795	$ 3,791	$ 3,319	$ 17,014	$ 16,356	$ 10,479
Other assets									(4,948)	(3,406)	(2,975)
Other liabilities									6,903	2,183	(1,766)
Net cash provided by operating activities									21,073	25,123	13,480
Proceeds from equity securities sales										1,960
Net cash used in investing activities									(69,882)	(82,567)	(186,523)
Proceeds from issuance of common stock									1,178	1,025	14,804
Cash dividends paid									(5,092)	(4,428)	(3,819)
Purchase of Treasury stock											(342)
Net cash provided by financing activities									47,751	76,029	181,289
Net increase (decrease) in cash and cash equivalents									(1,058)	18,585	8,246
Beginning of year				39,915				21,330	39,915	21,330	13,084
End of year	38,857				39,915				38,857	39,915	21,330
Parent Company [Member]
Net income									17,014	16,356	10,479
Undistributed earnings of subsidiaries									(13,833)	(8,836)	(9,150)
Other assets									130	(470)	(13)
Other liabilities									4	250	(183)
Other									180	153
Net cash provided by operating activities									3,495	7,453	1,133
Proceeds from equity securities sales										1,960
Investment in subsidiaries										(5,000)	(11,791)
Net cash used in investing activities										(3,040)	(11,791)
Proceeds from issuance of common stock									1,178	1,025	15,015
Cash dividends paid									(5,092)	(4,428)	(3,819)
Purchase of Treasury stock											(342)
Net cash provided by financing activities									(3,914)	(3,403)	10,854
Net increase (decrease) in cash and cash equivalents									(419)	1,010	196
Beginning of year				$ 1,446				$ 436	1,446	436	240
End of year	$ 1,027				$ 1,446				$ 1,027	$ 1,446	$ 436

Selected Quarterly Financial _3

Selected Quarterly Financial Data (Schedule Of Selected Quarterly Financial Information) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Selected Quarterly Financial Data [Abstract]
Interest Income	$ 16,028	$ 16,845	$ 16,325	$ 15,542	$ 15,309	$ 14,690	$ 14,247	$ 13,366	$ 64,740	$ 57,612	$ 47,748
Interest Expense	3,236	3,224	3,191	3,034	2,936	2,604	2,051	1,914	12,685	9,505	5,731
NET INTEREST INCOME	12,792	13,621	13,134	12,508	12,373	12,086	12,196	11,452	52,055	48,107	42,017
Net Income	$ 3,748	$ 5,164	$ 4,382	$ 3,720	$ 4,451	$ 4,795	$ 3,791	$ 3,319	$ 17,014	$ 16,356	$ 10,479
Earnings per share basic	$ 0.76	$ 1.05	$ 0.90	$ 0.77	$ 0.92	$ 0.99	$ 0.79	$ 0.69	$ 3.47	$ 3.40	$ 2.21
Earnings per share diluted	$ 0.75	$ 1.04	$ 0.88	$ 0.75	$ 0.90	$ 0.97	$ 0.77	$ 0.68	$ 3.42	$ 3.32	$ 2.16