Evans Bancorp (EVBN) 10-Q 29 Apr 22 2022 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2022	Apr. 27, 2022
Document And Entity Information [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Fiscal Period Focus	Q1
Document Period End Date	Mar. 31, 2022
Document Transition Report	false
Entity File Number	001-35021
Entity Registrant Name	EVANS BANCORP, INC.
Entity Incorporation, State or Country Code	NY
Entity Tax Identification Number	16-1332767
Entity Address, Address Line One	6460 Main St.
Entity Address, City or Town	Williamsville
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	14221
City Area Code	716
Local Phone Number	926-2000
Title of 12(b) Security	Common Stock, $0.50 par value
Trading Symbol	EVBN
Security Exchange Name	NYSEAMER
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		5,523,536
Amendment Flag	false
Entity Central Index Key	0000842518
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 11,398	$ 9,856
Interest-bearing deposits at banks	147,277	234,929
Securities:
Available for sale, at fair value (amortized cost: $412,742 at March 31, 2022; $310,228 at December 31, 2021)	385,936	305,959
Held to maturity, at amortized cost (fair value: $2,976 at March 31, 2022; $3,179 at December 31, 2021)	3,017	3,165
Federal Home Loan Bank common stock, at cost	2,734	3,045
Federal Reserve Bank common stock, at cost	3,051	3,039
Loans, net of allowance for loan losses of $18,618 at March 31, 2022 and $18,438 at December 31, 2021	1,585,461	1,553,467
Properties and equipment, net of accumulated depreciation of $10,727 at March 31, 2022 and $10,283 at December 31, 2021	17,571	17,789
Goodwill	12,702	12,702
Intangible assets	1,527	1,627
Bank-owned life insurance	34,449	34,295
Operating lease right-of-use asset	4,594	4,826
Other assets	31,017	25,941
TOTAL ASSETS	2,240,734	2,210,640
Deposits:
Demand	528,962	492,864
NOW	257,475	259,908
Savings	1,051,136	1,019,925
Time	149,243	164,340
Total deposits	1,986,816	1,937,037
Securities sold under agreement to repurchase	6,476	4,112
Other borrowings	26,847	32,879
Operating lease liability	4,965	5,210
Other liabilities	15,428	16,536
Subordinated debt	30,999	30,974
Total liabilities	2,071,531	2,026,748
STOCKHOLDERS' EQUITY:
Common stock, $0.50 par value, 10,000,000 shares authorized; at March 31, 2022 and December 31, 2021 shares issued and outstanding were 5,519,831 and 5,482,756, respectively	2,762	2,744
Capital surplus	79,396	78,795
Retained earnings	109,366	108,024
Accumulated other comprehensive income (loss), net of tax	(22,321)	(5,671)
Total stockholders' equity	169,203	183,892
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 2,240,734	$ 2,210,640

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Securities:
Available for sale, amortized cost	$ 412,742	$ 310,228
Held to maturity, fair value	2,976	3,179
Loans, allowance for loan losses	18,618	18,438
Properties and equipment, accumulated depreciation	$ 10,727	$ 10,283
STOCKHOLDERS' EQUITY:
Common stock, par value	$ 0.50	$ 0.50
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	5,519,831	5,482,756
Common stock, shares outstanding	5,519,831	5,482,756

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
INTEREST INCOME
Loans	$ 15,724	$ 17,066
Interest-bearing deposits at banks	70	16
Securities:
Taxable	1,677	832
Non-taxable	46	56
Total interest income	17,517	17,970
INTEREST EXPENSE
Deposits	568	886
Other borrowings	47	88
Subordinated debt	401	399
Total interest expense	1,016	1,373
NET INTEREST INCOME	16,501	16,597
PROVISION FOR LOAN LOSSES	221	313
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	16,280	16,284
NON-INTEREST INCOME
Deposit service charges	692	572
Insurance service and fees	2,299	2,502
Bank-owned life insurance	154	163
Interchange fee income	492	490
Other	794	839
Total non-interest income	4,431	4,566
NON-INTEREST EXPENSE
Salaries and employee benefits	9,470	9,044
Occupancy	1,180	1,187
Advertising and public relations	179	263
Professional services	872	959
Technology and communications	1,174	1,264
Amortization of intangibles	100	135
FDIC insurance	270	300
Other	1,215	1,213
Total non-interest expense	14,460	14,365
INCOME BEFORE INCOME TAXES	6,251	6,485
INCOME TAX PROVISION	1,503	1,633
NET INCOME	$ 4,748	$ 4,852
Net income per common share-basic	$ 0.86	$ 0.89
Net income per common share-diluted	$ 0.86	$ 0.89
Weighted average number of common shares outstanding	5,494,782	5,421,837
Weighted average number of diluted shares outstanding	5,547,548	5,463,674

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive (Loss) Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Consolidated Statements Of Comprehensive (Loss) Income [Abstract]
NET INCOME	$ 4,748	$ 4,852
Unrealized (loss) gain on available-for-sale securities
Unrealized loss on available-for-sale securities	(16,705)	(3,889)
Defined benefit pension plans:
Amortization of prior service cost	5	6
Amortization of actuarial loss	50	70
Total	55	76
OTHER COMPREHENSIVE LOSS, NET OF TAX	(16,650)	(3,813)
COMPREHENSIVE (LOSS) INCOME	$ (11,902)	$ 1,039

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 Loss [Member]	Total
Balance at Dec. 31, 2020	$ 2,708	$ 76,394	$ 90,522	$ (719)	$ 168,905
Net income			4,852		4,852
Other comprehensive income (loss)				(3,813)	(3,813)
Cash dividends			(3,257)		(3,257)
Stock compensation expense		233			233
Issued restricted shares, net of forfeitures	4	(4)
Issued shares in stock option exercises	4	50			54
Balance at Mar. 31, 2021	2,716	76,673	92,117	(4,532)	166,974
Balance at Dec. 31, 2021	2,744	78,795	108,024	(5,671)	183,892
Net income			4,748		4,748
Other comprehensive income (loss)				(16,650)	(16,650)
Cash dividends			(3,406)		(3,406)
Stock compensation expense		333			333
Issued restricted shares, net of forfeitures	9	(9)
Issued shares in stock option exercises	9	277			286
Balance at Mar. 31, 2022	$ 2,762	$ 79,396	$ 109,366	$ (22,321)	$ 169,203

Consolidated Statements Of Ch_2

Consolidated Statements Of Changes In Stockholders’ Equity (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Consolidated Statements Of Changes In Stockholders’ Equity [Abstract]
Cash dividends per common share	$ 0.62	$ 0.60
Issued restricted shares, net of forfeitures	18,244	8,280
Issued shares in stock option exercises	18,831	9,329

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
OPERATING ACTIVITIES:
Interest received	$ 17,088	$ 17,080
Fees received	5,142	5,183
Interest paid	(1,094)	(1,790)
Cash paid to employees and vendors	(18,781)	(15,000)
Income taxes paid	(1,200)	(187)
Proceeds from sale of loans held for sale	2,957
Originations of loans held for sale	(2,815)
Net cash provided by operating activities	1,297	5,286
INVESTING ACTIVITIES:
Available for sales securities: Purchases	(109,990)	(40,301)
Available for sales securities: Proceeds from sales, maturities, calls, and payments	7,726	6,421
Held to maturity securities: Purchases	(412)	(515)
Held to maturity securities: Proceeds from maturities, calls, and payments	560	45
Additions to properties and equipment	(226)	(233)
Sale of other real estate		129
Net increase in loans	(31,622)	(51,764)
Net cash used in investing activities	(133,964)	(86,218)
FINANCING ACTIVITIES:
(Repayments) proceeds from long-term borrowings, net	(5,888)	897
Proceeds (repayments) from short-term borrowings, net	2,364	(2,131)
Net increase in deposits	49,795	100,728
Issuance of common stock	286	54
Net cash provided by financing activities	46,557	99,548
Net increase in cash and cash equivalents	(86,110)	18,616
CASH AND CASH EQUIVALENTS:
Beginning of period	244,785	97,604
End of period	158,675	116,220
RECONCILIATION OF NET INCOME TO NET CASH PROVIDED BY OPERATING ACTIVITIES:
Net income	4,748	4,852
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	497	440
Deferred tax expense (benefit)	262	(1,971)
Provision for loan losses	221	313
Loss on sales of assets		22
Gain on loans sold	(43)
Stock compensation expense	333	233
Proceeds from sale of loans held for sale	2,957
Originations of loans held for sale	(2,815)
Changes in assets and liabilities affecting cash flow:
Other assets	303	(1,553)
Other liabilities	(5,166)	2,950
NET CASH PROVIDED BY OPERATING ACTIVITIES	$ 1,297	$ 5,286

Organization And Summary Of Sig

Organization And Summary Of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2022
Organization And Summary Of Significant Accounting Policies [Abstract]
Organization And Summary Of Significant Accounting Policies	1. ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES The accounting and reporting policies followed by Evans Bancorp, Inc. (the “Company”), a financial holding company, and its two direct, wholly-owned subsidiaries: (i) Evans Bank, National Association (the “Bank”), and the Bank’s subsidiaries, Evans National Leasing, Inc. (“ENL”), and Evans National Holding Corp. (“ENHC”); and (ii) Evans National Financial Services, LLC (“ENFS”), and ENFS’s subsidiary, The Evans Agency, LLC (“TEA”), and TEA’s subsidiaries, Frontier Claims Services, Inc. (“FCS”) and ENB Associates Inc. (“ENBA”), in the preparation of the accompanying interim unaudited consolidated financial statements conform with U.S. generally accepted accounting principles (“GAAP”) and with general practice within the industries in which it operates. Except as the context otherwise requires, the Company and its direct and indirect subsidiaries are collectively referred to in this report as the “Company.” The Financial Accounting Standards Board (“FASB”) establishes changes to 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 adopted by the Company during the current fiscal year are not expected to have a material impact on the Company’s consolidated financial position, results of operations, cash flows or disclosures. The results of operations for the three month period ended March 31, 2022 are not necessarily indicative of the results to be expected for the full year. The accompanying unaudited consolidated financial statements should be read in conjunction with the Audited Consolidated Financial Statements and the Notes thereto included in our Annual Report on Form 10-K for the year ended December 31, 2021 (the “10-K”). There have been no significant changes to the Company’s significant accounting policies as disclosed in Note 1 to the 10-K.

Securities

Securities	3 Months Ended
	Mar. 31, 2022
Securities [Abstract]
Securities	2. SECURITIES The amortized cost of securities and their approximate fair value at March 31, 2022 and December 31, 2021 were as follows: March 31, 2022 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. treasuries and government agencies $ 154,343 $ 6 $ ( 11,045 ) $ 143,304 States and political subdivisions 24,850 17 ( 657 ) 24,210 Total debt securities 179,193 23 ( 11,702 ) 167,514 Mortgage-backed securities: FNMA 81,656 18 ( 5,599 ) 76,075 FHLMC 41,094 6 ( 3,022 ) 38,078 GNMA 35,450 4 ( 2,458 ) 32,996 SBA 24,710 1 ( 632 ) 24,079 CMO 50,639 7 ( 3,452 ) 47,194 Total mortgage-backed securities 233,549 36 ( 15,163 ) 218,422 Total securities designated as available for sale $ 412,742 $ 59 $ ( 26,865 ) $ 385,936 Held to Maturity: Debt securities States and political subdivisions $ 3,017 $ 4 $ ( 45 ) $ 2,976 Total securities designated as held to maturity $ 3,017 $ 4 $ ( 45 ) $ 2,976 December 31, 2021 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. treasuries and government agencies $ 99,005 $ 199 $ ( 2,386 ) $ 96,818 States and political subdivisions 6,150 96 - 6,246 Total debt securities 105,155 295 ( 2,386 ) 103,064 Mortgage-backed securities: FNMA 64,056 222 ( 1,068 ) 63,210 FHLMC 38,796 62 ( 424 ) 38,434 GNMA 31,814 15 ( 615 ) 31,214 SBA 17,919 343 ( 54 ) 18,208 CMO 52,488 175 ( 834 ) 51,829 Total mortgage-backed securities 205,073 817 ( 2,995 ) 202,895 Total securities designated as available for sale $ 310,228 $ 1,112 $ ( 5,381 ) $ 305,959 Held to Maturity: Debt securities States and political subdivisions $ 3,165 $ 17 $ ( 3 ) $ 3,179 Total securities designated as held to maturity $ 3,165 $ 17 $ ( 3 ) $ 3,179 Available for sale securities with a total fair value of $ 320 million and $ 207 million were pledged as collateral to secure public deposits and for other purposes required or permitted by law at March 31, 2022 and December 31, 2021, respectively. The scheduled maturities of debt and mortgage-backed securities at March 31, 2022 are 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. March 31, 2022 Amortized Estimated cost fair value (in thousands) Debt securities available for sale: Due in one year or less $ 2,033 $ 2,035 Due after one year through five years 70,017 67,757 Due after five years through ten years 69,044 64,900 Due after ten years 38,099 32,822 179,193 167,514 Mortgage-backed securities available for sale 233,549 218,422 Total $ 412,742 $ 385,936 Debt securities held to maturity: Due in one year or less $ 2,093 $ 2,092 Due after one year through five years 471 458 Due after five years through ten years 384 358 Due after ten years 69 68 Total $ 3,017 $ 2,976 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. There were no gross realized gains or losses from sales of investment securities for the three month periods ended March 31, 2022 and 2021. Management has assessed the securities available for sale in an unrealized loss position at March 31, 2022 and December 31, 2021 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 has no t recorded any other-than-temporary impairment (“OTTI”) charges during the three months ended March 31, 2022 and did no t record any OTTI charges during 2021. The credit worthiness of the Company’s securities portfolio is largely reliant on the ability of U.S. government sponsored agencies such as Federal Home Loan Bank (“FHLB”), Federal National Mortgage Association (“FNMA”), Government National Mortgage Association (“GNMA”), and 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 of the Company’s securities portfolio in future periods. Information regarding unrealized losses within the Company’s available for sale securities at March 31, 2022 and December 31, 2021 is summarized below. March 31, 2022 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. treasuries and government agencies $ 108,767 $ ( 5,589 ) $ 32,533 $ ( 5,456 ) $ 141,300 $ ( 11,045 ) States and political subdivisions 20,776 ( 657 ) - - 20,776 ( 657 ) Total debt securities 129,543 ( 6,246 ) 32,533 ( 5,456 ) 162,076 ( 11,702 ) Mortgage-backed securities: FNMA 65,825 ( 4,779 ) 7,879 ( 820 ) 73,704 ( 5,599 ) FHLMC 34,183 ( 2,610 ) 3,320 ( 412 ) 37,503 ( 3,022 ) GNMA 29,039 ( 2,139 ) 3,709 ( 319 ) 32,748 ( 2,458 ) SBA 21,909 ( 605 ) 1,164 ( 27 ) 23,073 ( 632 ) CMO 40,758 ( 2,658 ) 6,122 ( 794 ) 46,880 ( 3,452 ) Total mortgage-backed securities 191,714 ( 12,791 ) 22,194 ( 2,372 ) 213,908 ( 15,163 ) Held to Maturity: Debt securities: States and political subdivisions 1,912 ( 22 ) 316 ( 23 ) 2,228 ( 45 ) Total temporarily impaired securities $ 323,169 $ ( 19,059 ) $ 55,043 $ ( 7,851 ) $ 378,212 $ ( 26,910 ) December 31, 2021 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. treasuries and government agencies $ 50,381 $ ( 884 ) $ 27,488 $ ( 1,502 ) $ 77,869 $ ( 2,386 ) States and political subdivisions - - - - - - Total debt securities 50,381 ( 884 ) 27,488 ( 1,502 ) 77,869 ( 2,386 ) Mortgage-backed securities: FNMA 48,008 ( 903 ) 2,941 ( 165 ) 50,949 ( 1,068 ) FHLMC 35,851 ( 423 ) 76 ( 1 ) 35,927 ( 424 ) GNMA 30,252 ( 615 ) 143 - 30,395 ( 615 ) SBA 2,824 ( 25 ) 1,218 ( 29 ) 4,042 ( 54 ) CMO 38,313 ( 833 ) 25 ( 1 ) 38,338 ( 834 ) Total mortgage-backed securities 155,248 ( 2,799 ) 4,403 ( 196 ) 159,651 ( 2,995 ) Held to Maturity: Debt securities: States and political subdivisions 1,782 ( 3 ) - - 1,782 ( 3 ) Total temporarily impaired securities $ 207,411 $ ( 3,686 ) $ 31,891 $ ( 1,698 ) $ 239,302 $ ( 5,384 )

Loans And The Allowance For Loa

Loans And The Allowance For Loan Losses	3 Months Ended
	Mar. 31, 2022
Loans And The Allowance For Loan Losses [Abstract]
Loans And The Allowance For Loan Losses	3. LOANS AND THE ALLOWANCE FOR LOAN LOSSES Loan Portfolio Composition The following table presents selected information on the composition of the Company’s loan portfolio as of the dates indicated: March 31, 2022 December 31, 2021 Mortgage loans on real estate: (in thousands) Residential mortgages $ 419,053 $ 411,060 Commercial and multi-family 764,369 739,761 Construction-Residential 3,839 5,109 Construction-Commercial 94,155 98,012 Home equities 80,579 81,238 Total real estate loans 1,361,995 1,335,180 Commercial and industrial loans 242,271 237,077 Consumer and other loans 662 719 Unaccreted yield adjustments* ( 849 ) ( 1,071 ) Total gross loans 1,604,079 1,571,905 Allowance for loan losses ( 18,618 ) ( 18,438 ) Loans, net $ 1,585,461 $ 1,553,467 * Includes net premiums and discounts on acquired loans and net deferred fees and costs on loans originated. On March 27, 2021 the Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) established a loan program administered through the U.S. Small Business Administration (“SBA”), referred to as the Paycheck Protection Program (“PPP”). PPP loans are 100% guaranteed by the SBA and are forgivable, in whole or in part, if the proceeds are used for payroll and other permitted purposes in accordance with the requirements of the PPP. The outstanding balance of PPP loans of $ 10 million and $ 25 million as of March 31, 2022 and December 31, 2021, respectively, are included in commercial and industrial loans. PPP loans did not impact the Company’s allowance for loan losses as a result of the SBA guarantees. Fees collected from the SBA for these loans are deferred and amortized into interest income over the contractual period of the loan. Upon SBA forgiveness or sale of a PPP loan, unamortized fees are then recognized into interest income. PPP fees recognized into interest income were $ 0.5 million and $ 1.7 million in the three month periods ended March 31, 2022 and 2021, respectively. Unamortized PPP fees were $ 0.3 million and $ 0.8 million at March 31, 2022 and December 31, 2021, respectively. At March 31, 2022, the outstanding principal balance and the carrying amount of acquired credit-impaired loans totaled $ 0.8 million and $ 0.7 million, respectively. At December 31, 2021, the outstanding principal balance and carrying amount of acquired credit-impaired loans totaled $ 0.8 million. There were no valuation allowances for specifically identified impairment attributable to acquired credit-impaired loans at March 31, 2022 or December 31, 2021. The Company is not recording interest on the acquired credit-impaired loans due to the uncertainty of the cash flows relating to such loans. There were $ 585 million and $ 619 million in residential and commercial mortgage loans pledged to FHLBNY to serve as collateral for potential borrowings as of March 31, 2022 and December 31, 2021, respectively. At March 31, 2022, the Company’s FHLMC loan serving portfolio had $ 67 million in principal balances of residential real estate loans that were sold to FHLMC and the servicing rights are retained by the Company. No loans were sold to FHLMC by the Company during the three month periods ending March 31, 2022 and 2021. The Company may also sell certain fixed rate residential mortgages to FNMA while maintaining the servicing rights for those mortgages. At March 31, 2022, the Company’s FNMA loan servicing portfolio was $ 61 million in principal balances. In the three month period ended March 31, 2022, the Company sold $ 2.9 million residential mortgages to FNMA. The Company did no t sell any mortgages to FNMA in the three month period ended March 31, 2021. At March 31, 2022 and December 31, 2021, the Company had loan servicing portfolio principal balances of $ 128 million and $ 131 million, respectively, upon which it earned servicing fees. The fair value of the mortgage servicing rights for that portfolio was $ 1.1 million and $ 0.9 million at March 31, 2022 and December 31, 2021, respectively. At March 31, 2022 no residential mortgages were held for sale. At December 31, 2021 there were $ 0.2 million of residential mortgages held for sale. Disclosures related to the basis for accounting for loans, the method for recognizing interest income on loans, the policy for placing loans on nonaccrual status and the subsequent recording of payments and resuming accrual of interest, the policy for determining past due status, a description of the Company’s accounting policies and methodology used to estimate the allowance for loan losses, the policy for charging-off loans, the accounting policies for impaired loans, the accounting policy for loans acquired in a business combination, and more descriptive information on the Company’s credit risk ratings are all contained in the Notes to the Audited Consolidated Financial Statements in the Company’s Annual Report on Form 10-K for the year ended December 31, 2021. Credit Quality Indicators The Company monitors the credit risk in its loan portfolio by reviewing certain credit quality indicators (“CQI”). The primary CQI for the commercial mortgage and commercial and industrial 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  Watch  Special Mention  Substandard  Doubtful  Loss “Special mention” and “substandard” loans are weaker credits with a higher risk of loss and are categorized as “criticized” assets. 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. Unlike commercial customers, consumer loan customers are not required to provide the Company with updated financial information. Consumer loans also carry smaller balances. Given the lack of updated information after the initial underwriting of the loan and small size of individual loans, the Company uses delinquency status as the primary credit quality indicator for consumer loans. However, once a consumer loan is identified as impaired, it is individually evaluated for impairment. The following tables provide data, at the class level, of credit quality indicators of certain loans for the dates specified: March 31, 2022 (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 $ 63,829 $ 510,297 $ 574,126 $ 158,131 Watch 9,704 185,092 194,796 63,790 Special Mention 14,544 32,393 46,937 11,698 Substandard 6,078 36,587 42,665 8,652 Doubtful/Loss - - - - Total $ 94,155 $ 764,369 $ 858,524 $ 242,271 December 31, 2021 (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 $ 65,211 $ 480,159 $ 545,370 $ 152,675 Watch 19,108 182,502 201,610 64,406 Special Mention 7,045 33,219 40,264 10,200 Substandard 6,648 43,881 50,529 9,796 Doubtful/Loss - - - - Total $ 98,012 $ 739,761 $ 837,773 $ 237,077 The Company continues to evaluate its loan portfolio in response to the economic impact of the COVID-19 pandemic on its clients. During 2021, the Company identified a well-defined weakness in the hotel industry and classified the loans to clients within that industry as substandard. As of March 31, 2022, the Company’s hotel loan portfolio totaled approximately $ 75 million, of which $ 55 million or 5 % of total commercial loans was classified as criticized. Total criticized assets were $ 110 million at March 31, 2022 and $ 111 million at the end of the 2021. Past Due Loans The following tables provide an analysis of the age of the recorded investment in loans that are past due as of the dates indicated: March 31, 2022 (in thousands) Current Non-accruing Total Balance 30-59 days 60-89 days 90+ days Loans Balance Commercial and industrial $ 230,668 $ 6,909 $ - $ - $ 4,694 $ 242,271 Residential real estate: Residential 410,466 4,668 481 - 3,438 419,053 Construction 3,839 - - - - 3,839 Commercial real estate: Commercial 739,677 15,071 96 3,354 6,171 764,369 Construction 88,906 2,112 774 - 2,363 94,155 Home equities 79,577 254 109 - 639 80,579 Consumer and other 658 3 1 - - 662 Total Loans $ 1,553,791 $ 29,017 $ 1,461 $ 3,354 $ 17,305 $ 1,604,928 Note: Loan balances do not include $( 0.8 ) million of unaccreted yield adjustments as of March 31, 2022. December 31, 2021 (in thousands) Current Non-accruing Total Balance 30-59 days 60-89 days 90+ days Loans Balance Commercial and industrial $ 229,724 $ 1,336 $ 568 $ 548 $ 4,901 $ 237,077 Residential real estate: Residential 402,992 3,466 1,563 - 3,039 411,060 Construction 5,109 - - - - 5,109 Commercial real estate: Commercial 711,481 16,451 6,073 - 5,756 739,761 Construction 93,842 757 - 480 2,933 98,012 Home equities 79,644 627 209 - 758 81,238 Consumer and other 706 9 4 - - 719 Total Loans $ 1,523,498 $ 22,646 $ 8,417 $ 1,028 $ 17,387 $ 1,572,976 Note: Loan balances do not include $( 1.1 ) m illion of unaccreted yield adjustments as of December 31, 2021. Allowance for loan losses The following tables present the activity in the allowance for loan losses according to portfolio segment for the three month periods ended March 31, 2022 and 2021. March 31, 2022 Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan (in thousands) losses: Beginning balance $ 3,309 $ 12,367 $ 54 $ 2,127 581 $ 18,438 Charge-offs ( 24 ) - ( 40 ) - - ( 64 ) Recoveries 17 - 6 - - 23 Provision (Credit) 386 ( 88 ) 24 ( 10 ) ( 91 ) 221 Ending balance $ 3,688 $ 12,279 $ 44 $ 2,117 $ 490 $ 18,618 *Includes construction loans March 31, 2021 Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan (in thousands) losses: Beginning balance $ 4,882 $ 13,249 $ 45 $ 1,658 $ 581 $ 20,415 Charge-offs - - ( 60 ) - - ( 60 ) Recoveries 21 - 12 - - 33 Provision (Credit) ( 513 ) 819 60 51 ( 104 ) 313 Ending balance $ 4,390 $ 14,068 $ 57 $ 1,709 $ 477 $ 20,701 * Includes construction loans The following table presents the allocation of the allowance for loan losses according to portfolio segment summarized on the basis of the Company’s impairment methodology as of March 31, 2022 and December 31, 2021: March 31, 2022 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan losses: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ - $ - $ - Individually evaluated for impairment 91 24 - 74 42 231 Collectively evaluated for impairment 3,597 12,255 44 2,043 448 18,387 Total $ 3,688 $ 12,279 $ 44 $ 2,117 $ 490 $ 18,618 Loans: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ 786 $ - $ 786 Individually evaluated for impairment 4,803 11,776 - 3,005 1,068 20,652 Collectively evaluated for impairment 237,468 846,748 662 419,101 79,511 1,583,490 Total $ 242,271 $ 858,524 $ 662 $ 422,892 $ 80,579 $ 1,604,928 Note: Loan balances do not include $( 0.8 ) million of unaccreted yield adjustments as of March 31, 2022. * Includes construction loans December 31, 2021 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan losses: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ - $ - $ - Individually evaluated for impairment 100 345 - 9 41 495 Collectively evaluated for impairment 3,209 12,022 54 2,118 540 17,943 Total $ 3,309 $ 12,367 $ 54 $ 2,127 $ 581 $ 18,438 Loans: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ 803 $ - $ 803 Individually evaluated for impairment 5,028 11,925 - 2,598 1,236 20,787 Collectively evaluated for impairment 232,049 825,848 719 412,768 80,002 1,551,386 Total $ 237,077 $ 837,773 $ 719 $ 416,169 $ 81,238 $ 1,572,976 Note: Loan balances do not include $( 1.1 ) million of unaccreted yield adjustments as of December 31, 2021. * Includes construction loans Impaired Loans The following tables provide data, at the class level, for impaired loans as of the dates indicated: At March 31, 2022 At December 31, 2021 (in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance With no related allowance recorded: Commercial and industrial $ 4,709 $ 5,530 $ - $ 4,874 $ 5,712 $ - Residential real estate: Residential 3,443 3,826 - 3,297 3,654 - Construction - - - - - - Commercial real estate: Commercial 9,241 9,704 - 8,821 9,338 - Construction 2,218 2,414 - 1,395 1,499 - Home equities 959 1,156 - 1,127 1,324 - Consumer and other - - - - - - Total impaired loans $ 20,570 $ 22,630 $ - $ 19,514 $ 21,527 $ - At March 31, 2022 At December 31, 2021 (in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance With a related allowance recorded: Commercial and industrial $ 94 $ 97 $ 91 $ 154 $ 158 $ 100 Residential real estate: Residential 304 304 74 60 60 9 Construction - - - - - - Commercial real estate: Commercial 172 197 11 171 717 16 Construction 145 150 13 1,538 1,555 329 Home equities 109 109 42 109 109 41 Consumer and other - - - - - - Total impaired loans $ 824 $ 857 $ 231 $ 2,032 $ 2,599 $ 495 At March 31, 2022 At December 31, 2021 (in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance Total: Commercial and industrial $ 4,803 $ 5,627 $ 91 $ 5,028 $ 5,870 $ 100 Residential real estate: Residential 3,747 4,130 74 3,357 3,714 9 Construction - - - - - - Commercial real estate: Commercial 9,413 9,901 11 8,992 10,055 16 Construction 2,363 2,564 13 2,933 3,054 329 Home equities 1,068 1,265 42 1,236 1,433 41 Consumer and other - - - - - - Total impaired loans $ 21,394 $ 23,487 $ 231 $ 21,546 $ 24,126 $ 495 Three months ended March 31, 2022 Three months ended March 31, 2021 (in thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized With no related allowance recorded: Commercial and industrial $ 5,118 $ 2 $ 1,344 $ 3 Residential real estate: Residential 3,512 4 4,542 17 Construction - - - - Commercial real estate: Commercial 9,298 70 11,929 12 Construction 2,634 - 1,085 - Home equities 1,000 5 1,719 2 Consumer and other - - - - Total impaired loans $ 21,562 $ 81 $ 20,619 $ 34 Three months ended March 31, 2022 Three months ended March 31, 2021 (in thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized With a related allowance recorded: Commercial and industrial $ 98 $ - $ 4,139 $ - Residential real estate: Residential 304 - 627 - Construction - - - - Commercial real estate: Commercial 178 - 2,943 - Construction 146 - 2,528 2 Home equities 109 - 109 - Consumer and other - - - - Total impaired loans $ 835 $ - $ 10,346 $ 2 Three months ended March 31, 2022 Three months ended March 31, 2021 (in thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Total: Commercial and industrial $ 5,216 $ 2 $ 5,483 $ 3 Residential real estate: Residential 3,816 4 5,169 17 Construction - - - - Commercial real estate: Commercial 9,476 70 14,872 12 Construction 2,780 - 3,613 2 Home equities 1,109 5 1,828 2 Consumer and other - - - - Total impaired loans $ 22,397 $ 81 $ 30,965 $ 36 Troubled debt restructurings The following tables summarize the loans that were classified as troubled debt restructurings (“TDRs”) as of the dates indicated: March 31, 2022 (in thousands) Total Nonaccruing Accruing Related Allowance Commercial and industrial $ 931 $ 822 $ 109 $ - Residential real estate: Residential 975 622 353 - Construction - - - - Commercial real estate: Commercial and multi-family 3,242 - 3,242 - Construction - - - - Home equities 442 13 429 - Consumer and other - - - - Total TDR loans $ 5,590 $ 1,457 $ 4,133 $ - December 31, 2021 (in thousands) Total Nonaccruing Accruing Related Allowance Commercial and industrial $ 1,003 $ 876 $ 127 $ - Residential real estate: Residential 989 627 362 - Construction - - - - Commercial real estate: Commercial and multi-family 3,236 - 3,236 - Construction - - - - Home equities 490 12 478 - Consumer and other - - - - Total TDR loans $ 5,718 $ 1,515 $ 4,203 $ - Any TDR that is placed on non-accrual status 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. 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. In late March 2021, federal banking regulators issued guidance that modifications made to a borrower affected by the COVID-19 pandemic and governmental shutdown orders do not need to be identified as a TDR if the loan was current at the time a modification plan was implemented. The following tables present TDR activity by the type of concession granted to the borrower for the three month period ended March 31, 2022 and 2021. Three months ended March 31, 2022 Three months ended March 31, 2021 (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 - $ - $ - - $ - $ - Residential Real Estate & Construction Commercial Real Estate & Construction - - - - - - Home Equities: - - - - - Extension of maturity and interest rate reduction 1 38 38 - - - Consumer and other loans - - - - - - Other - - - - - - 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 previous 12 months which defaulted during the three month period ended March 31, 2022 and 2021 were not material.

Common Equity And Earnings Per

Common Equity And Earnings Per Share Data	3 Months Ended
	Mar. 31, 2022
Common Equity And Earnings Per Share Data [Abstract]
Common Equity And Earnings Per Share Data	4. COMMON EQUITY AND EARNINGS PER SHARE DATA The common stock per share information is based upon the weighted average number of shares outstanding during each period. For the three month period ended March 31, 2022 and 2021, the Company had an average of 52,766 and 41,837 dilutive shares outstanding, respectively. Potential common shares that would have the effect of increasing diluted earnings per share are considered to be anti-dilutive and not included in calculating diluted earnings per share. For the three month period ended March 31, 2022 and 2021 there was an average of 21,560 and 81,770 potentially anti-dilutive shares outstanding, respectively, that were not included in calculating diluted earnings per share because their effect was anti-dilutive.

Other Comprehensive Income

Other Comprehensive Income	3 Months Ended
	Mar. 31, 2022
Other Comprehensive Income [Abstract]
Other Comprehensive Income	5. OTHER COMPREHENSIVE INCOME The following tables summarize the changes in the components of accumulated other comprehensive income during the three month period ended March 31, 2022 and 2021: Balance at December 30, 2021 Net Change Balance at March 31, 2022 (in thousands) Net unrealized loss on investment securities $ ( 3,160 ) $ ( 16,705 ) $ ( 19,865 ) Net defined benefit pension plan adjustments ( 2,511 ) 55 ( 2,456 ) Total $ ( 5,671 ) $ ( 16,650 ) $ ( 22,321 ) Balance at December 31, 2020 Net Change Balance at March 31, 2021 (in thousands) Net unrealized gain (loss) on investment securities $ 2,397 $ ( 3,889 ) $ ( 1,492 ) Net defined benefit pension plan adjustments ( 3,116 ) 76 ( 3,040 ) Total $ ( 719 ) $ ( 3,813 ) $ ( 4,532 ) Three months ended March 31, 2022 Three months ended March 31, 2021 (in thousands) (in thousands) Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Unrealized loss on investment securities: Unrealized loss on investment securities $ ( 22,537 ) $ 5,832 $ ( 16,705 ) $ ( 5,253 ) $ 1,364 $ ( 3,889 ) Defined benefit pension plan adjustments: Amortization of prior service cost 8 ( 3 ) 5 8 ( 2 ) 6 Amortization of actuarial loss 68 ( 18 ) 50 95 ( 25 ) 70 Net change 76 ( 21 ) 55 103 ( 27 ) 76 Other comprehensive loss $ ( 22,461 ) $ 5,811 $ ( 16,650 ) $ ( 5,150 ) $ 1,337 $ ( 3,813 )

Net Periodic Benefit Costs

Net Periodic Benefit Costs	3 Months Ended
	Mar. 31, 2022
Net Periodic Benefit Costs [Abstract]
Net Periodic Benefit Costs	6. NET PERIODIC BENEFIT COSTS On January 31, 2008, the Bank froze its defined benefit pension plan. The plan covered substantially all Bank employees. The plan provides benefits that are based on the employees’ compensation and years of service. Under the freeze, eligible employees will receive, at retirement, the benefits already earned through January 31, 2008, but have not accrued any additional benefits since then. As a result, service cost is no longer incurred. The Bank uses an actuarial method of amortizing prior service cost and unrecognized net gains or losses which result from actual expense and assumptions being different than those that are projected. The amortization method the Bank used recognized the prior service cost and net gains or losses over the average remaining service period of active employees. The Bank also maintains a nonqualified supplemental executive retirement plan covering certain members of the Company’s senior management. The Bank uses an actuarial method of amortizing unrecognized net gains or losses which result from actual expense and assumptions being different than those that are projected. The amortization method the Bank uses recognizes the net gains or losses over the average remaining service period of active employees. The following table presents the net periodic cost for the Bank’s defined benefit pension plan and supplemental executive retirement plan for the three month period ended March 31, 2022 and 2021: Three months ended March 31, (in thousands) Supplemental Executive Pension Benefits Retirement Plan 2022 2021 2022 2021 Service cost $ - $ - $ 33 $ 37 Interest cost 44 41 31 25 Expected return on plan assets ( 88 ) ( 89 ) - - Amortization of prior service cost - - 8 8 Amortization of the net loss 24 24 44 71 Net periodic (benefit) cost $ ( 20 ) $ ( 24 ) $ 116 $ 141 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.

Revenue Recognition Of Non-Inte

Revenue Recognition Of Non-Interest Income	3 Months Ended
	Mar. 31, 2022
Revenue Recognition Of Non-Interest Income [Abstract]
Revenue Recognition Of Non-Interest Income	7. 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 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 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. FCS discontinued operations on December 31, 2021.  A disaggregation of the total insurance service and other fees for the three months ended March 31, 2022 and 2021 is provided in the tables below: Three months ended March 31, 2022 2021 (in thousands) Commercial property and casualty insurance commissions $ 788 $ 797 Personal property and casualty insurance commissions 723 740 Employee benefits sales commissions 234 244 Profit sharing and contingent revenue 370 402 Wealth management and other financial services 141 180 Insurance claims services revenue - 81 Other insurance-related revenue 43 58 Total insurance service and other fees $ 2,299 $ 2,502

Fair Value Measurement

Fair Value Measurement	3 Months Ended
	Mar. 31, 2022
Fair Value Measurement [Abstract]
Fair Value Measurement	8. FAIR VALUE MEASUREMENT Fair value is defined in ASC Topic 820 “Fair Value Measurement” 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 measurement:  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 as of March 31, 2022 and December 31, 2021, respectively: (in thousands) Level 1 Level 2 Level 3 Fair Value March 31, 2022 Securities available-for-sale: US treasuries and government agencies $ - $ 143,304 $ - $ 143,304 States and political subdivisions - 24,210 - 24,210 Mortgage-backed securities - 218,422 - 218,422 December 31, 2021 Securities available-for-sale: US treasuries and government agencies $ - $ 96,818 $ - $ 96,818 States and political subdivisions - 6,246 - 6,246 Mortgage-backed securities - 202,895 - 202,895 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. 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 a quarterly 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. 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. ASSETS AND LIABILITIES 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 March 31, 2022 and December 31, 2021: (in thousands) Level 1 Level 2 Level 3 Fair Value March 31, 2022 Collateral dependent impaired loans $ - $ - $ 3,569 $ 3,569 December 31, 2021 Collateral dependent impaired loans $ - $ - $ 4,608 $ 4,608 Impaired loans Collateral dependent loans carried at fair value have been partially charged-off or receive specific allocations of the allowance for credit losses. The Company evaluates and values collateral dependent 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 $ 3.7 million, with an allowance for loan loss of $ 0.1 million, at March 31, 2022 compared with $ 5.0 million and $ 0.4 million, respectively, at December 31, 2021. The table below depicts 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. March 31, 2022 December 31, 2021 Carrying Fair Carrying Fair Amount Value Amount Value (in thousands) (in thousands) Financial assets: Level 1: Cash and cash equivalents $ 158,675 $ 158,675 $ 244,785 $ 244,785 Level 2: Available for sale securities 385,936 385,936 305,959 305,959 FHLB and FRB stock 5,785 N/A 6,084 N/A Level 3: Held to maturity securities 3,017 2,976 3,165 3,179 Loans, net 1,585,461 1,543,612 1,553,467 1,573,420 Financial liabilities: Level 1: Demand deposits $ 528,962 $ 528,962 $ 492,864 $ 492,864 NOW deposits 257,475 257,475 259,908 259,908 Savings deposits 1,051,136 1,051,136 1,019,925 1,019,925 Level 2: Securities sold under agreement to repurchase 6,476 6,476 4,112 4,112 Other borrowed funds 26,847 26,398 32,879 32,990 Subordinated debt 30,999 31,107 30,974 32,111 Level 3: Time deposits 149,243 149,386 164,340 164,574

Segment Information

Segment Information	3 Months Ended
	Mar. 31, 2022
Segment Information [Abstract]
Segment Information	9. SEGMENT INFORMATION The Company comprises two primary business segments, banking and insurance agency activities. The following tables set forth information regarding these segments for the three month period ended March 31, 2022 and 2021. Three months ended March 31, 2022 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 16,501 $ - $ 16,501 Provision for loan losses 221 - 221 Net interest income after provision for loan losses 16,280 - 16,280 Insurance service and fees 139 2,160 2,299 Other non-interest income 2,132 - 2,132 Amortization expense 5 95 100 Other non-interest expense 12,502 1,858 14,360 Income before income taxes 6,044 207 6,251 Income tax provision 1,449 54 1,503 Net income $ 4,595 $ 153 $ 4,748 Three months ended March 31, 2021 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income (expense) $ 16,600 $ ( 3 ) $ 16,597 Provision for loan losses 313 - 313 Net interest income (expense) after provision for loan losses 16,287 ( 3 ) 16,284 Insurance service and fees 164 2,338 2,502 Other non-interest income 2,064 - 2,064 Amortization expense 5 130 135 Other non-interest expense 12,213 2,017 14,230 Income before income taxes 6,297 188 6,485 Income tax provision 1,584 49 1,633 Net income $ 4,713 $ 139 $ 4,852

Contingent Liabilities And Comm

Contingent Liabilities And Commitments	3 Months Ended
	Mar. 31, 2022
Contingent Liabilities And Commitments [Abstract]
Contingent Liabilities And Commitments	10. CONTINGENT LIABILITIES AND COMMITMENTS The unaudited 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 consist of commitments to extend credit and standby letters of credit. A summary of the Bank’s commitments and contingent liabilities is as follows: March 31, December 31, 2022 2021 (in thousands) Commitments to extend credit $ 372,964 $ 394,953 Standby letters of credit 4,353 4,636 Total $ 377,317 $ 399,589 Commitments to extend credit and standby letters of credit include some exposure to credit loss in the event of nonperformance by 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 Company’s unaudited 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 of the Bank. The Bank did no t incur any losses on its commitments and did no t record a reserve for its commitments during the first three months of 2022 or during 2021. 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.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	3 Months Ended
	Mar. 31, 2022
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	11. RECENT ACCOUNTING PRONOUNCEMENTS ASUs adopted by the Company during the current fiscal year are not expected to have a material impact on the Company’s consolidated financial position, results of operations, cash flows or disclosures. The following standard will be adopted in a future period. ASUs not listed below are not expected to have a material impact on the Company’s consolidated financial position, results of operations, cash flows or disclosures.  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 adopt CECL effective January 1, 2023. ASU 2022-02, Financial Instruments – Credit Losses (Topic 326), Troubled Debt Restructurings and Vintage Disclosures – This ASU eliminates the accounting guidance for troubled debt restructurings ("TDRs") in ASC 310-40, "Receivables - Troubled Debt Restructurings by Creditors" for entities that have adopted the CECL model introduced by ASU 2016-13. ASU 2022-02 also requires that public business entities disclose current-period gross charge-offs by year of origination for financing receivables and net investments in leases within the scope of Subtopic 326-20, "Financial Instruments—Credit Losses—Measured at Amortized Cost". The Company intends to adopt ASU 2022-02 effective January 1, 2023.

Organization And Summary Of S_2

Organization And Summary Of Significant Accounting Policies (Policy)	3 Months Ended
	Mar. 31, 2022
Organization And Summary Of Significant Accounting Policies [Abstract]
Organization And Summary Of Significant Accounting Policies	The accounting and reporting policies followed by Evans Bancorp, Inc. (the “Company”), a financial holding company, and its two direct, wholly-owned subsidiaries: (i) Evans Bank, National Association (the “Bank”), and the Bank’s subsidiaries, Evans National Leasing, Inc. (“ENL”), and Evans National Holding Corp. (“ENHC”); and (ii) Evans National Financial Services, LLC (“ENFS”), and ENFS’s subsidiary, The Evans Agency, LLC (“TEA”), and TEA’s subsidiaries, Frontier Claims Services, Inc. (“FCS”) and ENB Associates Inc. (“ENBA”), in the preparation of the accompanying interim unaudited consolidated financial statements conform with U.S. generally accepted accounting principles (“GAAP”) and with general practice within the industries in which it operates. Except as the context otherwise requires, the Company and its direct and indirect subsidiaries are collectively referred to in this report as the “Company.” The Financial Accounting Standards Board (“FASB”) establishes changes to 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 adopted by the Company during the current fiscal year are not expected to have a material impact on the Company’s consolidated financial position, results of operations, cash flows or disclosures. The results of operations for the three month period ended March 31, 2022 are not necessarily indicative of the results to be expected for the full year. The accompanying unaudited consolidated financial statements should be read in conjunction with the Audited Consolidated Financial Statements and the Notes thereto included in our Annual Report on Form 10-K for the year ended December 31, 2021 (the “10-K”). There have been no significant changes to the Company’s significant accounting policies as disclosed in Note 1 to the 10-K.

Revenue Recognition Of Non-In_2

Revenue Recognition Of Non-Interest Income (Policy)	3 Months Ended
	Mar. 31, 2022
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 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 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. FCS discontinued operations on December 31, 2021. 

Securities (Tables)

Securities (Tables)	3 Months Ended
	Mar. 31, 2022
Securities [Abstract]
Schedule Of Amortized Cost And Approximate Fair Value Of Securities	March 31, 2022 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. treasuries and government agencies $ 154,343 $ 6 $ ( 11,045 ) $ 143,304 States and political subdivisions 24,850 17 ( 657 ) 24,210 Total debt securities 179,193 23 ( 11,702 ) 167,514 Mortgage-backed securities: FNMA 81,656 18 ( 5,599 ) 76,075 FHLMC 41,094 6 ( 3,022 ) 38,078 GNMA 35,450 4 ( 2,458 ) 32,996 SBA 24,710 1 ( 632 ) 24,079 CMO 50,639 7 ( 3,452 ) 47,194 Total mortgage-backed securities 233,549 36 ( 15,163 ) 218,422 Total securities designated as available for sale $ 412,742 $ 59 $ ( 26,865 ) $ 385,936 Held to Maturity: Debt securities States and political subdivisions $ 3,017 $ 4 $ ( 45 ) $ 2,976 Total securities designated as held to maturity $ 3,017 $ 4 $ ( 45 ) $ 2,976 December 31, 2021 (in thousands) Amortized Unrealized Fair Cost Gains Losses Value Available for Sale: Debt securities: U.S. treasuries and government agencies $ 99,005 $ 199 $ ( 2,386 ) $ 96,818 States and political subdivisions 6,150 96 - 6,246 Total debt securities 105,155 295 ( 2,386 ) 103,064 Mortgage-backed securities: FNMA 64,056 222 ( 1,068 ) 63,210 FHLMC 38,796 62 ( 424 ) 38,434 GNMA 31,814 15 ( 615 ) 31,214 SBA 17,919 343 ( 54 ) 18,208 CMO 52,488 175 ( 834 ) 51,829 Total mortgage-backed securities 205,073 817 ( 2,995 ) 202,895 Total securities designated as available for sale $ 310,228 $ 1,112 $ ( 5,381 ) $ 305,959 Held to Maturity: Debt securities States and political subdivisions $ 3,165 $ 17 $ ( 3 ) $ 3,179 Total securities designated as held to maturity $ 3,165 $ 17 $ ( 3 ) $ 3,179
Scheduled Maturities Of Debt And Mortgage-Backed Securities	March 31, 2022 Amortized Estimated cost fair value (in thousands) Debt securities available for sale: Due in one year or less $ 2,033 $ 2,035 Due after one year through five years 70,017 67,757 Due after five years through ten years 69,044 64,900 Due after ten years 38,099 32,822 179,193 167,514 Mortgage-backed securities available for sale 233,549 218,422 Total $ 412,742 $ 385,936 Debt securities held to maturity: Due in one year or less $ 2,093 $ 2,092 Due after one year through five years 471 458 Due after five years through ten years 384 358 Due after ten years 69 68 Total $ 3,017 $ 2,976
Unrealized Losses On Securities	March 31, 2022 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. treasuries and government agencies $ 108,767 $ ( 5,589 ) $ 32,533 $ ( 5,456 ) $ 141,300 $ ( 11,045 ) States and political subdivisions 20,776 ( 657 ) - - 20,776 ( 657 ) Total debt securities 129,543 ( 6,246 ) 32,533 ( 5,456 ) 162,076 ( 11,702 ) Mortgage-backed securities: FNMA 65,825 ( 4,779 ) 7,879 ( 820 ) 73,704 ( 5,599 ) FHLMC 34,183 ( 2,610 ) 3,320 ( 412 ) 37,503 ( 3,022 ) GNMA 29,039 ( 2,139 ) 3,709 ( 319 ) 32,748 ( 2,458 ) SBA 21,909 ( 605 ) 1,164 ( 27 ) 23,073 ( 632 ) CMO 40,758 ( 2,658 ) 6,122 ( 794 ) 46,880 ( 3,452 ) Total mortgage-backed securities 191,714 ( 12,791 ) 22,194 ( 2,372 ) 213,908 ( 15,163 ) Held to Maturity: Debt securities: States and political subdivisions 1,912 ( 22 ) 316 ( 23 ) 2,228 ( 45 ) Total temporarily impaired securities $ 323,169 $ ( 19,059 ) $ 55,043 $ ( 7,851 ) $ 378,212 $ ( 26,910 ) December 31, 2021 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. treasuries and government agencies $ 50,381 $ ( 884 ) $ 27,488 $ ( 1,502 ) $ 77,869 $ ( 2,386 ) States and political subdivisions - - - - - - Total debt securities 50,381 ( 884 ) 27,488 ( 1,502 ) 77,869 ( 2,386 ) Mortgage-backed securities: FNMA 48,008 ( 903 ) 2,941 ( 165 ) 50,949 ( 1,068 ) FHLMC 35,851 ( 423 ) 76 ( 1 ) 35,927 ( 424 ) GNMA 30,252 ( 615 ) 143 - 30,395 ( 615 ) SBA 2,824 ( 25 ) 1,218 ( 29 ) 4,042 ( 54 ) CMO 38,313 ( 833 ) 25 ( 1 ) 38,338 ( 834 ) Total mortgage-backed securities 155,248 ( 2,799 ) 4,403 ( 196 ) 159,651 ( 2,995 ) Held to Maturity: Debt securities: States and political subdivisions 1,782 ( 3 ) - - 1,782 ( 3 ) Total temporarily impaired securities $ 207,411 $ ( 3,686 ) $ 31,891 $ ( 1,698 ) $ 239,302 $ ( 5,384 )

Loans And The Allowance For L_2

Loans And The Allowance For Loan Losses (Tables)	3 Months Ended
	Mar. 31, 2022
Loans And The Allowance For Loan Losses [Abstract]
Schedule Of Loan Portfolio Composition	March 31, 2022 December 31, 2021 Mortgage loans on real estate: (in thousands) Residential mortgages $ 419,053 $ 411,060 Commercial and multi-family 764,369 739,761 Construction-Residential 3,839 5,109 Construction-Commercial 94,155 98,012 Home equities 80,579 81,238 Total real estate loans 1,361,995 1,335,180 Commercial and industrial loans 242,271 237,077 Consumer and other loans 662 719 Unaccreted yield adjustments* ( 849 ) ( 1,071 ) Total gross loans 1,604,079 1,571,905 Allowance for loan losses ( 18,618 ) ( 18,438 ) Loans, net $ 1,585,461 $ 1,553,467 * Includes net premiums and discounts on acquired loans and net deferred fees and costs on loans originated.
Data, At Class Level, Of Credit Quality Indicators Of Certain Loans	March 31, 2022 (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 $ 63,829 $ 510,297 $ 574,126 $ 158,131 Watch 9,704 185,092 194,796 63,790 Special Mention 14,544 32,393 46,937 11,698 Substandard 6,078 36,587 42,665 8,652 Doubtful/Loss - - - - Total $ 94,155 $ 764,369 $ 858,524 $ 242,271 December 31, 2021 (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 $ 65,211 $ 480,159 $ 545,370 $ 152,675 Watch 19,108 182,502 201,610 64,406 Special Mention 7,045 33,219 40,264 10,200 Substandard 6,648 43,881 50,529 9,796 Doubtful/Loss - - - - Total $ 98,012 $ 739,761 $ 837,773 $ 237,077
Recorded Investment In Loans Past Due	March 31, 2022 (in thousands) Current Non-accruing Total Balance 30-59 days 60-89 days 90+ days Loans Balance Commercial and industrial $ 230,668 $ 6,909 $ - $ - $ 4,694 $ 242,271 Residential real estate: Residential 410,466 4,668 481 - 3,438 419,053 Construction 3,839 - - - - 3,839 Commercial real estate: Commercial 739,677 15,071 96 3,354 6,171 764,369 Construction 88,906 2,112 774 - 2,363 94,155 Home equities 79,577 254 109 - 639 80,579 Consumer and other 658 3 1 - - 662 Total Loans $ 1,553,791 $ 29,017 $ 1,461 $ 3,354 $ 17,305 $ 1,604,928 Note: Loan balances do not include $( 0.8 ) million of unaccreted yield adjustments as of March 31, 2022. December 31, 2021 (in thousands) Current Non-accruing Total Balance 30-59 days 60-89 days 90+ days Loans Balance Commercial and industrial $ 229,724 $ 1,336 $ 568 $ 548 $ 4,901 $ 237,077 Residential real estate: Residential 402,992 3,466 1,563 - 3,039 411,060 Construction 5,109 - - - - 5,109 Commercial real estate: Commercial 711,481 16,451 6,073 - 5,756 739,761 Construction 93,842 757 - 480 2,933 98,012 Home equities 79,644 627 209 - 758 81,238 Consumer and other 706 9 4 - - 719 Total Loans $ 1,523,498 $ 22,646 $ 8,417 $ 1,028 $ 17,387 $ 1,572,976 Note: Loan balances do not include $( 1.1 ) m illion of unaccreted yield adjustments as of December 31, 2021.
Schedule Of Allowance For Loan Losses According To Portfolio Segment	The following tables present the activity in the allowance for loan losses according to portfolio segment for the three month periods ended March 31, 2022 and 2021. March 31, 2022 Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan (in thousands) losses: Beginning balance $ 3,309 $ 12,367 $ 54 $ 2,127 581 $ 18,438 Charge-offs ( 24 ) - ( 40 ) - - ( 64 ) Recoveries 17 - 6 - - 23 Provision (Credit) 386 ( 88 ) 24 ( 10 ) ( 91 ) 221 Ending balance $ 3,688 $ 12,279 $ 44 $ 2,117 $ 490 $ 18,618 *Includes construction loans March 31, 2021 Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan (in thousands) losses: Beginning balance $ 4,882 $ 13,249 $ 45 $ 1,658 $ 581 $ 20,415 Charge-offs - - ( 60 ) - - ( 60 ) Recoveries 21 - 12 - - 33 Provision (Credit) ( 513 ) 819 60 51 ( 104 ) 313 Ending balance $ 4,390 $ 14,068 $ 57 $ 1,709 $ 477 $ 20,701 * Includes construction loans The following table presents the allocation of the allowance for loan losses according to portfolio segment summarized on the basis of the Company’s impairment methodology as of March 31, 2022 and December 31, 2021: March 31, 2022 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan losses: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ - $ - $ - Individually evaluated for impairment 91 24 - 74 42 231 Collectively evaluated for impairment 3,597 12,255 44 2,043 448 18,387 Total $ 3,688 $ 12,279 $ 44 $ 2,117 $ 490 $ 18,618 Loans: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ 786 $ - $ 786 Individually evaluated for impairment 4,803 11,776 - 3,005 1,068 20,652 Collectively evaluated for impairment 237,468 846,748 662 419,101 79,511 1,583,490 Total $ 242,271 $ 858,524 $ 662 $ 422,892 $ 80,579 $ 1,604,928 Note: Loan balances do not include $( 0.8 ) million of unaccreted yield adjustments as of March 31, 2022. * Includes construction loans December 31, 2021 (in thousands) Commercial and Industrial Commercial Real Estate Mortgages* Consumer and Other Residential Mortgages* Home Equities Total Allowance for loan losses: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ - $ - $ - Individually evaluated for impairment 100 345 - 9 41 495 Collectively evaluated for impairment 3,209 12,022 54 2,118 540 17,943 Total $ 3,309 $ 12,367 $ 54 $ 2,127 $ 581 $ 18,438 Loans: Ending balance: Loans acquired with deteriorated credit quality $ - $ - $ - $ 803 $ - $ 803 Individually evaluated for impairment 5,028 11,925 - 2,598 1,236 20,787 Collectively evaluated for impairment 232,049 825,848 719 412,768 80,002 1,551,386 Total $ 237,077 $ 837,773 $ 719 $ 416,169 $ 81,238 $ 1,572,976 Note: Loan balances do not include $( 1.1 ) million of unaccreted yield adjustments as of December 31, 2021. * Includes construction loans
Data, At Class Level, Of Impaired Loans	At March 31, 2022 At December 31, 2021 (in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance With no related allowance recorded: Commercial and industrial $ 4,709 $ 5,530 $ - $ 4,874 $ 5,712 $ - Residential real estate: Residential 3,443 3,826 - 3,297 3,654 - Construction - - - - - - Commercial real estate: Commercial 9,241 9,704 - 8,821 9,338 - Construction 2,218 2,414 - 1,395 1,499 - Home equities 959 1,156 - 1,127 1,324 - Consumer and other - - - - - - Total impaired loans $ 20,570 $ 22,630 $ - $ 19,514 $ 21,527 $ - At March 31, 2022 At December 31, 2021 (in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance With a related allowance recorded: Commercial and industrial $ 94 $ 97 $ 91 $ 154 $ 158 $ 100 Residential real estate: Residential 304 304 74 60 60 9 Construction - - - - - - Commercial real estate: Commercial 172 197 11 171 717 16 Construction 145 150 13 1,538 1,555 329 Home equities 109 109 42 109 109 41 Consumer and other - - - - - - Total impaired loans $ 824 $ 857 $ 231 $ 2,032 $ 2,599 $ 495 At March 31, 2022 At December 31, 2021 (in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance Total: Commercial and industrial $ 4,803 $ 5,627 $ 91 $ 5,028 $ 5,870 $ 100 Residential real estate: Residential 3,747 4,130 74 3,357 3,714 9 Construction - - - - - - Commercial real estate: Commercial 9,413 9,901 11 8,992 10,055 16 Construction 2,363 2,564 13 2,933 3,054 329 Home equities 1,068 1,265 42 1,236 1,433 41 Consumer and other - - - - - - Total impaired loans $ 21,394 $ 23,487 $ 231 $ 21,546 $ 24,126 $ 495 Three months ended March 31, 2022 Three months ended March 31, 2021 (in thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized With no related allowance recorded: Commercial and industrial $ 5,118 $ 2 $ 1,344 $ 3 Residential real estate: Residential 3,512 4 4,542 17 Construction - - - - Commercial real estate: Commercial 9,298 70 11,929 12 Construction 2,634 - 1,085 - Home equities 1,000 5 1,719 2 Consumer and other - - - - Total impaired loans $ 21,562 $ 81 $ 20,619 $ 34 Three months ended March 31, 2022 Three months ended March 31, 2021 (in thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized With a related allowance recorded: Commercial and industrial $ 98 $ - $ 4,139 $ - Residential real estate: Residential 304 - 627 - Construction - - - - Commercial real estate: Commercial 178 - 2,943 - Construction 146 - 2,528 2 Home equities 109 - 109 - Consumer and other - - - - Total impaired loans $ 835 $ - $ 10,346 $ 2 Three months ended March 31, 2022 Three months ended March 31, 2021 (in thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Total: Commercial and industrial $ 5,216 $ 2 $ 5,483 $ 3 Residential real estate: Residential 3,816 4 5,169 17 Construction - - - - Commercial real estate: Commercial 9,476 70 14,872 12 Construction 2,780 - 3,613 2 Home equities 1,109 5 1,828 2 Consumer and other - - - - Total impaired loans $ 22,397 $ 81 $ 30,965 $ 36
Loans Classified As Troubled Debt Restructurings	March 31, 2022 (in thousands) Total Nonaccruing Accruing Related Allowance Commercial and industrial $ 931 $ 822 $ 109 $ - Residential real estate: Residential 975 622 353 - Construction - - - - Commercial real estate: Commercial and multi-family 3,242 - 3,242 - Construction - - - - Home equities 442 13 429 - Consumer and other - - - - Total TDR loans $ 5,590 $ 1,457 $ 4,133 $ - December 31, 2021 (in thousands) Total Nonaccruing Accruing Related Allowance Commercial and industrial $ 1,003 $ 876 $ 127 $ - Residential real estate: Residential 989 627 362 - Construction - - - - Commercial real estate: Commercial and multi-family 3,236 - 3,236 - Construction - - - - Home equities 490 12 478 - Consumer and other - - - - Total TDR loans $ 5,718 $ 1,515 $ 4,203 $ -
TDR Activity By Type Of Concession Granted To Borrower	Three months ended March 31, 2022 Three months ended March 31, 2021 (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 - $ - $ - - $ - $ - Residential Real Estate & Construction Commercial Real Estate & Construction - - - - - - Home Equities: - - - - - Extension of maturity and interest rate reduction 1 38 38 - - - Consumer and other loans - - - - - - Other - - - - - -

Other Comprehensive Income (Tab

Other Comprehensive Income (Tables)	3 Months Ended
	Mar. 31, 2022
Other Comprehensive Income [Abstract]
Schedule of Accumulated Other Comprehensive Income	Balance at December 30, 2021 Net Change Balance at March 31, 2022 (in thousands) Net unrealized loss on investment securities $ ( 3,160 ) $ ( 16,705 ) $ ( 19,865 ) Net defined benefit pension plan adjustments ( 2,511 ) 55 ( 2,456 ) Total $ ( 5,671 ) $ ( 16,650 ) $ ( 22,321 ) Balance at December 31, 2020 Net Change Balance at March 31, 2021 (in thousands) Net unrealized gain (loss) on investment securities $ 2,397 $ ( 3,889 ) $ ( 1,492 ) Net defined benefit pension plan adjustments ( 3,116 ) 76 ( 3,040 ) Total $ ( 719 ) $ ( 3,813 ) $ ( 4,532 )
Components Of Other Comprehensive Income	Three months ended March 31, 2022 Three months ended March 31, 2021 (in thousands) (in thousands) Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Before-Tax Amount Income Tax (Provision) Benefit Net-of-Tax Amount Unrealized loss on investment securities: Unrealized loss on investment securities $ ( 22,537 ) $ 5,832 $ ( 16,705 ) $ ( 5,253 ) $ 1,364 $ ( 3,889 ) Defined benefit pension plan adjustments: Amortization of prior service cost 8 ( 3 ) 5 8 ( 2 ) 6 Amortization of actuarial loss 68 ( 18 ) 50 95 ( 25 ) 70 Net change 76 ( 21 ) 55 103 ( 27 ) 76 Other comprehensive loss $ ( 22,461 ) $ 5,811 $ ( 16,650 ) $ ( 5,150 ) $ 1,337 $ ( 3,813 )

Net Periodic Benefit Costs (Tab

Net Periodic Benefit Costs (Tables)	3 Months Ended
	Mar. 31, 2022
Net Periodic Benefit Costs [Abstract]
Schedule Of Net Periodic Benefit Cost	Three months ended March 31, (in thousands) Supplemental Executive Pension Benefits Retirement Plan 2022 2021 2022 2021 Service cost $ - $ - $ 33 $ 37 Interest cost 44 41 31 25 Expected return on plan assets ( 88 ) ( 89 ) - - Amortization of prior service cost - - 8 8 Amortization of the net loss 24 24 44 71 Net periodic (benefit) cost $ ( 20 ) $ ( 24 ) $ 116 $ 141

Revenue Recognition Of Non-In_3

Revenue Recognition Of Non-Interest Income (Tables)	3 Months Ended
	Mar. 31, 2022
Revenue Recognition Of Non-Interest Income [Abstract]
Schedule Of Disaggregation Of Insurance Service And Other Fees	Three months ended March 31, 2022 2021 (in thousands) Commercial property and casualty insurance commissions $ 788 $ 797 Personal property and casualty insurance commissions 723 740 Employee benefits sales commissions 234 244 Profit sharing and contingent revenue 370 402 Wealth management and other financial services 141 180 Insurance claims services revenue - 81 Other insurance-related revenue 43 58 Total insurance service and other fees $ 2,299 $ 2,502

Fair Value Measurement (Tables)

Fair Value Measurement (Tables)	3 Months Ended
	Mar. 31, 2022
Fair Value Measurement [Abstract]
Financial Instruments Measured At Fair Value On Recurring Basis	(in thousands) Level 1 Level 2 Level 3 Fair Value March 31, 2022 Securities available-for-sale: US treasuries and government agencies $ - $ 143,304 $ - $ 143,304 States and political subdivisions - 24,210 - 24,210 Mortgage-backed securities - 218,422 - 218,422 December 31, 2021 Securities available-for-sale: US treasuries and government agencies $ - $ 96,818 $ - $ 96,818 States and political subdivisions - 6,246 - 6,246 Mortgage-backed securities - 202,895 - 202,895
Financial Instruments Measured At Fair Value On Nonrecurring Basis	(in thousands) Level 1 Level 2 Level 3 Fair Value March 31, 2022 Collateral dependent impaired loans $ - $ - $ 3,569 $ 3,569 December 31, 2021 Collateral dependent impaired loans $ - $ - $ 4,608 $ 4,608
Estimated Fair Values Of Financial Instruments	March 31, 2022 December 31, 2021 Carrying Fair Carrying Fair Amount Value Amount Value (in thousands) (in thousands) Financial assets: Level 1: Cash and cash equivalents $ 158,675 $ 158,675 $ 244,785 $ 244,785 Level 2: Available for sale securities 385,936 385,936 305,959 305,959 FHLB and FRB stock 5,785 N/A 6,084 N/A Level 3: Held to maturity securities 3,017 2,976 3,165 3,179 Loans, net 1,585,461 1,543,612 1,553,467 1,573,420 Financial liabilities: Level 1: Demand deposits $ 528,962 $ 528,962 $ 492,864 $ 492,864 NOW deposits 257,475 257,475 259,908 259,908 Savings deposits 1,051,136 1,051,136 1,019,925 1,019,925 Level 2: Securities sold under agreement to repurchase 6,476 6,476 4,112 4,112 Other borrowed funds 26,847 26,398 32,879 32,990 Subordinated debt 30,999 31,107 30,974 32,111 Level 3: Time deposits 149,243 149,386 164,340 164,574

Segment Information (Tables)

Segment Information (Tables)	3 Months Ended
	Mar. 31, 2022
Segment Information [Abstract]
Schedule Of Business Segments	Three months ended March 31, 2022 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income $ 16,501 $ - $ 16,501 Provision for loan losses 221 - 221 Net interest income after provision for loan losses 16,280 - 16,280 Insurance service and fees 139 2,160 2,299 Other non-interest income 2,132 - 2,132 Amortization expense 5 95 100 Other non-interest expense 12,502 1,858 14,360 Income before income taxes 6,044 207 6,251 Income tax provision 1,449 54 1,503 Net income $ 4,595 $ 153 $ 4,748 Three months ended March 31, 2021 Banking Insurance Agency Activities Activities Total (in thousands) Net interest income (expense) $ 16,600 $ ( 3 ) $ 16,597 Provision for loan losses 313 - 313 Net interest income (expense) after provision for loan losses 16,287 ( 3 ) 16,284 Insurance service and fees 164 2,338 2,502 Other non-interest income 2,064 - 2,064 Amortization expense 5 130 135 Other non-interest expense 12,213 2,017 14,230 Income before income taxes 6,297 188 6,485 Income tax provision 1,584 49 1,633 Net income $ 4,713 $ 139 $ 4,852

Contingent Liabilities And Co_2

Contingent Liabilities And Commitments (Tables)	3 Months Ended
	Mar. 31, 2022
Contingent Liabilities And Commitments [Abstract]
Summary Of Commitments And Contingent Liabilities	March 31, December 31, 2022 2021 (in thousands) Commitments to extend credit $ 372,964 $ 394,953 Standby letters of credit 4,353 4,636 Total $ 377,317 $ 399,589

Organization And Summary Of S_3

Organization And Summary Of Significant Accounting Policies (Narrative) (Details)	3 Months Ended
	Mar. 31, 2022entity
Organization And Summary Of Significant Accounting Policies [Abstract]
Number of subsidiaries	2

Securities (Narrative) (Details

Securities (Narrative) (Details) - USD ($)	3 Months Ended		12 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Schedule of Available-for-sale Securities [Line Items]
Available for sale securities pledged as collateral	$ 320,000,000		$ 207,000,000
Gross realized gains (losses) from sales of investment securities	0	$ 0
Other-than-temporary impairment charges	$ 0		$ 0
Minimum [Member] | Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Contractual maturities duration	10 years

Securities (Schedule Of Amortiz

Securities (Schedule Of Amortized Cost And Approximate Fair Value Of Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	$ 412,742	$ 310,228
Available for Sale, Unrealized Gains	59	1,112
Available for Sale, Unrealized Losses	(26,865)	(5,381)
Available for Sale, Fair Value	385,936	305,959
Held to Maturity, Amortized Cost	3,017	3,165
Held to Maturity, Unrealized Gains	4	17
Held to Maturity, Unrealized Losses	(45)	(3)
Held to Maturity, Fair Value	2,976	3,179
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	179,193	105,155
Available for Sale, Unrealized Gains	23	295
Available for Sale, Unrealized Losses	(11,702)	(2,386)
Available for Sale, Fair Value	167,514	103,064
Held to Maturity, Amortized Cost	3,017
Held to Maturity, Fair Value	2,976
US Treasuries And Government Agencies [Member] | Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	154,343	99,005
Available for Sale, Unrealized Gains	6	199
Available for Sale, Unrealized Losses	(11,045)	(2,386)
Available for Sale, Fair Value	143,304	96,818
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	233,549	205,073
Available for Sale, Unrealized Gains	36	817
Available for Sale, Unrealized Losses	(15,163)	(2,995)
Available for Sale, Fair Value	218,422	202,895
Mortgage-Backed Securities [Member] | FNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	81,656	64,056
Available for Sale, Unrealized Gains	18	222
Available for Sale, Unrealized Losses	(5,599)	(1,068)
Available for Sale, Fair Value	76,075	63,210
Mortgage-Backed Securities [Member] | FHLMC [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	41,094	38,796
Available for Sale, Unrealized Gains	6	62
Available for Sale, Unrealized Losses	(3,022)	(424)
Available for Sale, Fair Value	38,078	38,434
Mortgage-Backed Securities [Member] | GNMA [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	35,450	31,814
Available for Sale, Unrealized Gains	4	15
Available for Sale, Unrealized Losses	(2,458)	(615)
Available for Sale, Fair Value	32,996	31,214
Mortgage-Backed Securities [Member] | SBA [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	24,710	17,919
Available for Sale, Unrealized Gains	1	343
Available for Sale, Unrealized Losses	(632)	(54)
Available for Sale, Fair Value	24,079	18,208
Mortgage-Backed Securities [Member] | CMO [Member]
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	50,639	52,488
Available for Sale, Unrealized Gains	7	175
Available for Sale, Unrealized Losses	(3,452)	(834)
Available for Sale, Fair Value	47,194	51,829
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	24,850	6,150
Available for Sale, Unrealized Gains	17	96
Available for Sale, Unrealized Losses	(657)
Available for Sale, Fair Value	24,210	6,246
Held to Maturity, Amortized Cost	3,017	3,165
Held to Maturity, Unrealized Gains	4	17
Held to Maturity, Unrealized Losses	(45)	(3)
Held to Maturity, Fair Value	$ 2,976	$ 3,179

Securities (Scheduled Maturitie

Securities (Scheduled Maturities Of Debt And Mortgage-Backed Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Schedule of Available-for-sale Securities [Line Items]
Total securities designated as available for sale, Amortized Cost	$ 412,742	$ 310,228
$159,157 at December 31, 2021)	385,936	305,959
Held to Maturity, Amortized Cost	3,017	3,165
Held to maturity, Estimated fair value	2,976	3,179
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Mortgage-backed securities available for sale, Amortized cost	233,549
Total securities designated as available for sale, Amortized Cost	233,549	205,073
Mortgage-backed securities available for sale, Estimated fair value	218,422
$159,157 at December 31, 2021)	218,422	202,895
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Debt securities available for sale, Due in one year or less, Amortized cost	2,033
Debt securities available for sale, Due after one year through five years, Amortized cost	70,017
Debt securities available for sale, Due after five years through ten years, Amortized cost	69,044
Debt securities available for sale, Due after ten years, Amortized cost	38,099
Total securities designated as available for sale, Amortized Cost	179,193
Total securities designated as available for sale, Amortized Cost	179,193	105,155
Debt securities available for sale, Due in one year or less, Estimated fair value	2,035
Debt securities available for sale, Due after one year through five years, Estimated fair value	67,757
Debt securities available for sale, Due after five years through ten years, Estimated fair value	64,900
Debt securities available for sale, Due after ten years, Estimated fair value	32,822
Debt securities available for sale, Estimated fair value	167,514
$159,157 at December 31, 2021)	167,514	$ 103,064
Debt securities held to maturity, Due in one year or less, Amortized cost	2,093
Debt securities held to maturity, Due after one year through five years, Amortized cost	471
Debt securities held to maturity, Due after five years through ten years, Amortized cost	384
Debt securities held to maturity, Due after ten years, Amortized cost	69
Held to Maturity, Amortized Cost	3,017
Debt securities held to maturity, Due in one year or less, Estimated fair value	2,092
Debt securities held to maturity, Due after one year through five years, Estimated fair value	458
Debt securities held to maturity, Due after five years through ten years, Estimated fair value	358
Debt securities held to maturity, Due after ten years, Estimated fair value	68
Held to maturity, Estimated fair value	$ 2,976

Securities (Unrealized Losses O

Securities (Unrealized Losses On Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Schedule of Available-for-sale Securities [Line Items]
Total temporarily impaired securities, Less than 12 months, Fair Value	$ 323,169	$ 207,411
Total temporarily impaired securities, 12 months or longer, Fair Value	55,043	31,891
Total temporarily impaired securities, Total, Fair Value	378,212	239,302
Total temporarily impaired securities, Less than 12 months, Unrealized Losses	(19,059)	(3,686)
Total temporarily impaired securities, 12 months or longer, Unrealized Losses	(7,851)	(1,698)
Total temporarily impaired securities, Total, Unrealized Losses	(26,910)	(5,384)
Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	191,714	155,248
Available for Sale, 12 months or longer, Fair Value	22,194	4,403
Available for Sale, Total, Fair Value	213,908	159,651
Available for Sale, Less than 12 months, Unrealized Losses	(12,791)	(2,799)
Available for Sale, 12 months or longer, Unrealized Losses	(2,372)	(196)
Available for Sale, Total, Unrealized Losses	(15,163)	(2,995)
Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	129,543	50,381
Available for Sale, 12 months or longer, Fair Value	32,533	27,488
Available for Sale, Total, Fair Value	162,076	77,869
Available for Sale, Less than 12 months, Unrealized Losses	(6,246)	(884)
Available for Sale, 12 months or longer, Unrealized Losses	(5,456)	(1,502)
Available for Sale, Total, Unrealized Losses	(11,702)	(2,386)
Debt Securities [Member] | US Treasuries And Government Agencies [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	108,767	50,381
Available for Sale, 12 months or longer, Fair Value	32,533	27,488
Available for Sale, Total, Fair Value	141,300	77,869
Available for Sale, Less than 12 months, Unrealized Losses	(5,589)	(884)
Available for Sale, 12 months or longer, Unrealized Losses	(5,456)	(1,502)
Available for Sale, Total, Unrealized Losses	(11,045)	(2,386)
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	20,776
Available for Sale, Total, Fair Value	20,776
Available for Sale, Less than 12 months, Unrealized Losses	(657)
Available for Sale, Total, Unrealized Losses	(657)
Held To Maturity, Less than 12 months, Fair Value	1,912	1,782
Held To Maturity, 12 months or longer, Fair Value	316
Held To Maturity, Total, Fair Value	2,228	1,782
Held To Maturity, Less than 12 months, Unrealized Losses	(22)	(3)
Held To Maturity, 12 months or longer, Unrealized Losses	(23)
Held To Maturity, Total, Unrealized Losses	(45)	(3)
FNMA [Member] | Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	65,825	48,008
Available for Sale, 12 months or longer, Fair Value	7,879	2,941
Available for Sale, Total, Fair Value	73,704	50,949
Available for Sale, Less than 12 months, Unrealized Losses	(4,779)	(903)
Available for Sale, 12 months or longer, Unrealized Losses	(820)	(165)
Available for Sale, Total, Unrealized Losses	(5,599)	(1,068)
FHLMC [Member] | Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	34,183	35,851
Available for Sale, 12 months or longer, Fair Value	3,320	76
Available for Sale, Total, Fair Value	37,503	35,927
Available for Sale, Less than 12 months, Unrealized Losses	(2,610)	(423)
Available for Sale, 12 months or longer, Unrealized Losses	(412)	(1)
Available for Sale, Total, Unrealized Losses	(3,022)	(424)
GNMA [Member] | Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	29,039	30,252
Available for Sale, 12 months or longer, Fair Value	3,709	143
Available for Sale, Total, Fair Value	32,748	30,395
Available for Sale, Less than 12 months, Unrealized Losses	(2,139)	(615)
Available for Sale, 12 months or longer, Unrealized Losses	(319)
Available for Sale, Total, Unrealized Losses	(2,458)	(615)
SBA [Member] | Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	21,909	2,824
Available for Sale, 12 months or longer, Fair Value	1,164	1,218
Available for Sale, Total, Fair Value	23,073	4,042
Available for Sale, Less than 12 months, Unrealized Losses	(605)	(25)
Available for Sale, 12 months or longer, Unrealized Losses	(27)	(29)
Available for Sale, Total, Unrealized Losses	(632)	(54)
CMO [Member] | Mortgage-Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Available for Sale, Less than 12 months, Fair Value	40,758	38,313
Available for Sale, 12 months or longer, Fair Value	6,122	25
Available for Sale, Total, Fair Value	46,880	38,338
Available for Sale, Less than 12 months, Unrealized Losses	(2,658)	(833)
Available for Sale, 12 months or longer, Unrealized Losses	(794)	(1)
Available for Sale, Total, Unrealized Losses	$ (3,452)	$ (834)

Loans And The Allowance For L_3

Loans And The Allowance For Loan Losses (Narrative) (Details) - USD ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Outstanding principal balance	$ 800,000		$ 800,000
Acquired credit-impaired loans	700,000
Valuation allowances, acquired credit-impaired loans	0		0
Total criticized assets increase	$ 110,000,000		111,000,000
Period of timely payments before reversion to accruing status	6 months
PPP Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
PPP fees recognized interest income	$ 500,000	$ 1,700,000
Outstanding principal balance	10,000,000		25,000,000
Unamortized fees	300,000		800,000
Residential Mortgages [Member] | FSB [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan servicing portfolio principal balance	67,000,000
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan servicing portfolio principal balance	128,000,000		131,000,000
Mortgage servicing rights	1,100,000		900,000
Mortgage loans held-for-sale	0		200,000
Total Real Estate Loans [Member] | Residential Mortgages [Member] | FHLMC Loans [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans sold	0	0
Total Real Estate Loans [Member] | Residential Mortgages [Member] | FNMA Loans [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans sold	2,900,000	$ 0
Loan servicing portfolio principal balance	61,000,000
Total Real Estate Loans [Member] | FHLBNY [Member] | Residential Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans pledged as collateral	585,000,000		$ 619,000,000
Hotel Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Hotel loan portfolio	$ 75,000,000
Total percentage of hotel loan in total commercial loans	5.00%
Total criticized assets increase	$ 55,000,000

Loans And The Allowance For L_4

Loans And The Allowance For Loan Losses (Schedule Of Loan Portfolio Composition) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	$ 1,604,928	$ 1,572,976
Unaccreted yield adjustments	(849)	(1,071)
Total gross loans	1,604,079	1,571,905
Allowance for loan losses	(18,618)	(18,438)
Loans, net	1,585,461	1,553,467
Commercial And Industrial [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	242,271	237,077
Consumer And Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	662	719
Total Real Estate Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Unaccreted yield adjustments	(800)	(1,100)
Total Real Estate Loans [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	1,361,995	1,335,180
Total Real Estate Loans [Member] | Residential Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	422,892	416,169
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	419,053	411,060
Total Real Estate Loans [Member] | Residential Mortgages [Member] | Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	3,839	5,109
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	858,524	837,773
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	764,369	739,761
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	94,155	98,012
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	80,579	81,238
Total Real Estate Loans [Member] | Home Equity Loans [Member] | Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans before deferred loan origination costs	$ 80,579	$ 81,238

Loans And The Allowance For L_5

Loans And The Allowance For Loan Losses (Data, At Class Level, Of Credit Quality Indicators Of Certain Loans) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	$ 1,604,928	$ 1,572,976
Total Real Estate Loans [Member] | Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	1,361,995	1,335,180
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	858,524	837,773
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	574,126	545,370
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	194,796	201,610
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	46,937	40,264
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	42,665	50,529
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	94,155	98,012
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	63,829	65,211
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	9,704	19,108
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	14,544	7,045
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	6,078	6,648
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	764,369	739,761
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	510,297	480,159
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	185,092	182,502
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	32,393	33,219
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	36,587	43,881
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	242,271	237,077
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Acceptable Or Better [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	158,131	152,675
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	63,790	64,406
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	11,698	10,200
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans	8,652	9,796
Commercial And Industrial [Member] | Corporate Credit Exposure—By Credit Rating, Doubtful/Loss [Member]
Financing Receivable, Recorded Investment [Line Items]
Total gross loans

Loans And The Allowance For L_6

Loans And The Allowance For Loan Losses (Recorded Investment In Loans Past Due) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	$ 1,553,791	$ 1,523,498
Non-accruing Loans	17,305	17,387
Total Balance	1,604,928	1,572,976
Unaccreted yield adjustments	(849)	(1,071)
30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	29,017	22,646
60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	1,461	8,417
90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	3,354	1,028
Commercial And Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	230,668	229,724
Non-accruing Loans	4,694	4,901
Total Balance	242,271	237,077
Commercial And Industrial [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	6,909	1,336
Commercial And Industrial [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance		568
Commercial And Industrial [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance		548
Consumer And Other Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	658	706
Total Balance	662	719
Consumer And Other Loans [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	3	9
Consumer And Other Loans [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	1	4
Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Unaccreted yield adjustments	(800)	(1,100)
Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Balance	422,892	416,169
Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Balance	858,524	837,773
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	79,577	79,644
Non-accruing Loans	639	758
Total Balance	80,579	81,238
Total Real Estate Loans [Member] | Home Equity Loans [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	254	627
Total Real Estate Loans [Member] | Home Equity Loans [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	109	209
Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Balance	1,361,995	1,335,180
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	410,466	402,992
Non-accruing Loans	3,438	3,039
Total Balance	419,053	411,060
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	4,668	3,466
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	481	1,563
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	739,677	711,481
Non-accruing Loans	6,171	5,756
Total Balance	764,369	739,761
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	15,071	16,451
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	96	6,073
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	3,354
Mortgages [Member] | Total Real Estate Loans [Member] | Home Equity Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Balance	80,579	81,238
Construction [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	3,839	5,109
Total Balance	3,839	5,109
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	88,906	93,842
Non-accruing Loans	2,363	2,933
Total Balance	94,155	98,012
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 30-59 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	2,112	757
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 60-89 Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance	$ 774
Construction [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member] | 90+ Days [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Balance		$ 480

Loans And The Allowance For L_7

Loans And The Allowance For Loan Losses (Schedule Of Allowance For Loan Losses According To Portfolio Segment) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	$ 18,438	$ 20,415
Allowance for loan losses: Charge-offs	(64)	(60)
Allowance for loan losses: Recoveries	23	33
Allowance for loan losses: Provision(Credit)	221	313
Allowance for loan losses: Ending balance	18,618	20,701
Allowance for loan losses: Loans acquired with deteriorated credit quality
Allowance for loan losses: Individually evaluated for impairment	231		495
Allowance for loan losses: Collectively evaluated for impairment	18,387		17,943
Allowance for loan losses: Total	18,618	20,701	18,438
Loans: Loans acquired with deteriorated credit quality	786		803
Loans: Individually evaluated for impairment	20,652		20,787
Loans: Collectively evaluated for impairment	1,583,490		1,551,386
Total	1,604,928		1,572,976
Unaccreted yield adjustments	(849)		(1,071)
Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Unaccreted yield adjustments	(800)		(1,100)
Commercial And Industrial [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	3,309
Allowance for loan losses: Ending balance	3,688
Allowance for loan losses: Loans acquired with deteriorated credit quality
Allowance for loan losses: Individually evaluated for impairment	91		100
Allowance for loan losses: Collectively evaluated for impairment	3,597		3,209
Allowance for loan losses: Total	3,688		3,309
Loans: Loans acquired with deteriorated credit quality
Loans: Individually evaluated for impairment	4,803		5,028
Loans: Collectively evaluated for impairment	237,468		232,049
Total	242,271		237,077
Commercial And Industrial [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	3,309	4,882
Allowance for loan losses: Charge-offs	(24)
Allowance for loan losses: Recoveries	17	21
Allowance for loan losses: Provision(Credit)	386	(513)
Allowance for loan losses: Ending balance	3,688	4,390
Allowance for loan losses: Total	3,688	4,390	3,309
Commercial Real Estate Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	12,367	13,249
Allowance for loan losses: Charge-offs
Allowance for loan losses: Recoveries
Allowance for loan losses: Provision(Credit)	(88)	819
Allowance for loan losses: Ending balance	12,279	14,068
Allowance for loan losses: Loans acquired with deteriorated credit quality
Allowance for loan losses: Individually evaluated for impairment	24		345
Allowance for loan losses: Collectively evaluated for impairment	12,255		12,022
Allowance for loan losses: Total	12,279	14,068	12,367
Loans: Loans acquired with deteriorated credit quality
Loans: Individually evaluated for impairment	11,776		11,925
Loans: Collectively evaluated for impairment	846,748		825,848
Total	858,524		837,773
Consumer And Other Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	54	45
Allowance for loan losses: Charge-offs	(40)	(60)
Allowance for loan losses: Recoveries	6	12
Allowance for loan losses: Provision(Credit)	24	60
Allowance for loan losses: Ending balance	44	57
Allowance for loan losses: Loans acquired with deteriorated credit quality
Allowance for loan losses: Individually evaluated for impairment
Allowance for loan losses: Collectively evaluated for impairment	44		54
Allowance for loan losses: Total	44	57	54
Loans: Loans acquired with deteriorated credit quality
Loans: Individually evaluated for impairment
Loans: Collectively evaluated for impairment	662		719
Total	662		719
Residential Mortgages [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	2,127	1,658
Allowance for loan losses: Charge-offs
Allowance for loan losses: Recoveries
Allowance for loan losses: Provision(Credit)	(10)	51
Allowance for loan losses: Ending balance	2,117	1,709
Allowance for loan losses: Loans acquired with deteriorated credit quality
Allowance for loan losses: Individually evaluated for impairment	74		9
Allowance for loan losses: Collectively evaluated for impairment	2,043		2,118
Allowance for loan losses: Total	2,117	1,709	2,127
Loans: Loans acquired with deteriorated credit quality	786		803
Loans: Individually evaluated for impairment	3,005		2,598
Loans: Collectively evaluated for impairment	419,101		412,768
Total	422,892		416,169
Home Equity Loans [Member] | Total Real Estate Loans [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for loan losses: Beginning balance	581	581
Allowance for loan losses: Charge-offs
Allowance for loan losses: Recoveries
Allowance for loan losses: Provision(Credit)	(91)	(104)
Allowance for loan losses: Ending balance	490	477
Allowance for loan losses: Loans acquired with deteriorated credit quality
Allowance for loan losses: Individually evaluated for impairment	42		41
Allowance for loan losses: Collectively evaluated for impairment	448		540
Allowance for loan losses: Total	490	$ 477	581
Loans: Loans acquired with deteriorated credit quality
Loans: Individually evaluated for impairment	1,068		1,236
Loans: Collectively evaluated for impairment	79,511		80,002
Total	$ 80,579		$ 81,238

Loans And The Allowance For L_8

Loans And The Allowance For Loan Losses (Data, At Class Level, Of Impaired Loans) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	$ 20,570		$ 19,514
Impaired Loans, Recorded Investment, With a related allowance recorded	824		2,032
Impaired Loans, Recorded Investment, Total	21,394		21,546
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	22,630		21,527
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	857		2,599
Impaired Loans, Unpaid Principal Balance, Total	23,487		24,126
Impaired Loans, Related Allowance	231		495
Impaired Loans, Average Recorded Investment, With no related allowance recorded	21,562	$ 20,619
Impaired Loans, Average Recorded Investment, With a related allowance recorded	835	10,346
Impaired Loans, Average Recorded Investment, Total	22,397	30,965
Impaired Loans, Interest Income Recognized, With no related allowance recorded	81	34
Impaired Loans, Interest Income Recognized, With a related allowance recorded		2
Impaired Loans, Interest Income Recognized, Total	81	36
Commercial And Industrial [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	4,709		4,874
Impaired Loans, Recorded Investment, With a related allowance recorded	94		154
Impaired Loans, Recorded Investment, Total	4,803		5,028
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	5,530		5,712
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	97		158
Impaired Loans, Unpaid Principal Balance, Total	5,627		5,870
Impaired Loans, Related Allowance	91		100
Impaired Loans, Average Recorded Investment, With no related allowance recorded	5,118	1,344
Impaired Loans, Average Recorded Investment, With a related allowance recorded	98	4,139
Impaired Loans, Average Recorded Investment, Total	5,216	5,483
Impaired Loans, Interest Income Recognized, With no related allowance recorded	2	3
Impaired Loans, Interest Income Recognized, Total	2	3
Residential Mortgages [Member] | Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	3,443		3,297
Impaired Loans, Recorded Investment, With a related allowance recorded	304		60
Impaired Loans, Recorded Investment, Total	3,747		3,357
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	3,826		3,654
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	304		60
Impaired Loans, Unpaid Principal Balance, Total	4,130		3,714
Impaired Loans, Related Allowance	74		9
Impaired Loans, Average Recorded Investment, With no related allowance recorded	3,512	4,542
Impaired Loans, Average Recorded Investment, With a related allowance recorded	304	627
Impaired Loans, Average Recorded Investment, Total	3,816	5,169
Impaired Loans, Interest Income Recognized, With no related allowance recorded	4	17
Impaired Loans, Interest Income Recognized, Total	4	17
Commercial Real Estate Mortgages [Member] | Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	9,241		8,821
Impaired Loans, Recorded Investment, With a related allowance recorded	172		171
Impaired Loans, Recorded Investment, Total	9,413		8,992
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	9,704		9,338
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	197		717
Impaired Loans, Unpaid Principal Balance, Total	9,901		10,055
Impaired Loans, Related Allowance	11		16
Impaired Loans, Average Recorded Investment, With no related allowance recorded	9,298	11,929
Impaired Loans, Average Recorded Investment, With a related allowance recorded	178	2,943
Impaired Loans, Average Recorded Investment, Total	9,476	14,872
Impaired Loans, Interest Income Recognized, With no related allowance recorded	70	12
Impaired Loans, Interest Income Recognized, Total	70	12
Commercial Real Estate Mortgages [Member] | Construction [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	2,218		1,395
Impaired Loans, Recorded Investment, With a related allowance recorded	145		1,538
Impaired Loans, Recorded Investment, Total	2,363		2,933
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	2,414		1,499
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	150		1,555
Impaired Loans, Unpaid Principal Balance, Total	2,564		3,054
Impaired Loans, Related Allowance	13		329
Impaired Loans, Average Recorded Investment, With no related allowance recorded	2,634	1,085
Impaired Loans, Average Recorded Investment, With a related allowance recorded	146	2,528
Impaired Loans, Average Recorded Investment, Total	2,780	3,613
Impaired Loans, Interest Income Recognized, With a related allowance recorded		2
Impaired Loans, Interest Income Recognized, Total		2
Home Equity Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired Loans, Recorded Investment, With no related allowance recorded	959		1,127
Impaired Loans, Recorded Investment, With a related allowance recorded	109		109
Impaired Loans, Recorded Investment, Total	1,068		1,236
Impaired Loans, Unpaid Principal Balance, With no related allowance recorded	1,156		1,324
Impaired Loans, Unpaid Principal Balance, With a related allowance recorded	109		109
Impaired Loans, Unpaid Principal Balance, Total	1,265		1,433
Impaired Loans, Related Allowance	42		$ 41
Impaired Loans, Average Recorded Investment, With no related allowance recorded	1,000	1,719
Impaired Loans, Average Recorded Investment, With a related allowance recorded	109	109
Impaired Loans, Average Recorded Investment, Total	1,109	1,828
Impaired Loans, Interest Income Recognized, With no related allowance recorded	5	2
Impaired Loans, Interest Income Recognized, Total	$ 5	$ 2

Loans And The Allowance For L_9

Loans And The Allowance For Loan Losses (Loans Classified As Troubled Debt Restructurings) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Modifications [Line Items]
Total	$ 5,590	$ 5,718
Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Total	931	1,003
Consumer And Other Loans [Member]
Financing Receivable, Modifications [Line Items]
Total
Related Allowance
Nonaccruing [Member]
Financing Receivable, Modifications [Line Items]
Total	1,457	1,515
Nonaccruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Total	822	876
Nonaccruing [Member] | Consumer And Other Loans [Member]
Financing Receivable, Modifications [Line Items]
Total
Accruing [Member]
Financing Receivable, Modifications [Line Items]
Total	4,133	4,203
Accruing [Member] | Commercial And Industrial [Member]
Financing Receivable, Modifications [Line Items]
Total	109	127
Accruing [Member] | Consumer And Other Loans [Member]
Financing Receivable, Modifications [Line Items]
Total
Total Real Estate Loans [Member] | Home Equity Loans [Member]
Financing Receivable, Modifications [Line Items]
Total	442	490
Related Allowance
Total Real Estate Loans [Member] | Nonaccruing [Member] | Home Equity Loans [Member]
Financing Receivable, Modifications [Line Items]
Total	13	12
Total Real Estate Loans [Member] | Accruing [Member] | Home Equity Loans [Member]
Financing Receivable, Modifications [Line Items]
Total	429	478
Mortgages [Member] | Total Real Estate Loans [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	975	989
Related Allowance
Mortgages [Member] | Total Real Estate Loans [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	3,242	3,236
Related Allowance
Mortgages [Member] | Total Real Estate Loans [Member] | Nonaccruing [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	622	627
Mortgages [Member] | Total Real Estate Loans [Member] | Nonaccruing [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total
Mortgages [Member] | Total Real Estate Loans [Member] | Accruing [Member] | Residential Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	353	362
Mortgages [Member] | Total Real Estate Loans [Member] | Accruing [Member] | Commercial Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Total	3,242	3,236
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
Related Allowance
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
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

Loans And The Allowance For _10

Loans And The Allowance For Loan Losses (TDR Activity By Type Of Concession Granted To Borrower) (Details) - Home Equity Loans [Member] - Extension Of Maturity And Interest Rate Reduction [Member] $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)contract
Financing Receivable, Modifications [Line Items]
Number of Contracts | contract	1
Pre-Modification Outstanding Recorded Investment	$ 38
Post-Modification Outstanding Recorded Investment	$ 38

Common Equity And Earnings Pe_2

Common Equity And Earnings Per Share Data (Narrative) (Details) - shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Common Equity And Earnings Per Share Data [Abstract]
Weighted average number of shares outstanding, dilutive	52,766	41,837
Potentially anti-dilutive shares outstanding	21,560	81,770

Other Comprehensive Income (Sch

Other Comprehensive Income (Schedule Of Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	$ (5,671)	$ (719)
Net Change	(16,650)	(3,813)
Ending Balance	(22,321)	(4,532)
Net Unrealized Gain (Loss) On Investment Securities [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	(3,160)	2,397
Net Change	(16,705)	(3,889)
Ending Balance	(19,865)	(1,492)
Net Defined Benefit Pension Plan Adjustments [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Beginning Balance	(2,511)	(3,116)
Net Change	55	76
Ending Balance	$ (2,456)	$ (3,040)

Other Comprehensive Income (Com

Other Comprehensive Income (Components Of Other Comprehensive Income) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Unrealized (loss) gain on investment securities:
Unrealized (loss) gain on investment securities, Before-Tax Amount	$ (22,537)	$ (5,253)
Unrealized (loss) gain on investment securities, Income Tax (Provision) Benefit	5,832	1,364
Unrealized (loss) gain on investment securities, Net-of-Tax Amount	(16,705)	(3,889)
Defined benefit pension plan adjustments:
Amortization of prior service cost, Before-Tax Amount	8	8
Amortization of prior service cost, Income Tax (Provision) Benefit	(3)	(2)
Amortization of prior service cost, Net-of-Tax Amount	5	6
Amortization of actuarial loss, Before-Tax Amount	68	95
Amortization of actuarial loss, Income Tax (Provision) Benefit	(18)	(25)
Amortization of actuarial loss, Net-of-Tax Amount	50	70
Net change, Before-Tax Amount	76	103
Net change, Income Tax (Provision) Benefit	(21)	(27)
Total	55	76
Other comprehensive (loss) income, Before-Tax Amount	(22,461)	(5,150)
Other comprehensive (loss) income, Income Tax (Provision) Benefit	5,811	1,337
OTHER COMPREHENSIVE LOSS, NET OF TAX	$ (16,650)	$ (3,813)

Net Periodic Benefit Costs (Sch

Net Periodic Benefit Costs (Schedule Of Net Periodic Benefit Cost) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Pension [Member]
Defined Benefit Plan Disclosure [Line Items]
Interest cost	$ 44	$ 41
Expected return on plan assets	(88)	(89)
Amortization of the net loss	24	24
Net periodic (benefit) cost	(20)	(24)
Supplemental Executive Retirement Plan [Member]
Defined Benefit Plan Disclosure [Line Items]
Service cost	33	37
Interest cost	31	25
Amortization of prior service cost	8	8
Amortization of the net loss	44	71
Net periodic (benefit) cost	$ 116	$ 141

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	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	$ 2,299	$ 2,502
Commercial Property And Casualty Insurance Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	788	797
Personal Property And Casualty Insurance Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	723	740
Employee Benefits Sales Commissions [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	234	244
Profit Sharing And Contingent Revenue [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	370	402
Wealth Management And Other Financial Services [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	141	180
Insurance Claims Services Revenue [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees		81
Other Insurance-Related Revenue [Member]
Disaggregation of Revenue [Line Items]
Total insurance service and other fees	$ 43	$ 58

Fair Value Measurement (Narrati

Fair Value Measurement (Narrative) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Impaired loans, allowance for loan loss	$ 231	$ 495
Consumer Loans [Member]
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Collateral dependent impaired loans, gross	3,700	5,000
Impaired loans, allowance for loan loss	$ 100	$ 400

Fair Value Measurement (Financi

Fair Value Measurement (Financial Instruments Measured At Fair Value On Recurring Basis) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	$ 385,936	$ 305,959
Recurring [Member] | US Treasuries And Government Agencies [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	143,304	96,818
Recurring [Member] | US Treasuries And Government Agencies [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	143,304	96,818
Recurring [Member] | States and Political Subdivisions [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	24,210	6,246
Recurring [Member] | States and Political Subdivisions [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	24,210	6,246
Recurring [Member] | Mortgage-Backed Securities [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	218,422	202,895
Recurring [Member] | Mortgage-Backed Securities [Member] | Level 2 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available for sale securities	$ 218,422	$ 202,895

Fair Value Measurement (Finan_2

Fair Value Measurement (Financial Instruments Measured At Fair Value On Nonrecurring Basis) (Details) - Nonrecurring [Member] - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	$ 3,569	$ 4,608
Level 3 [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Collateral dependent impaired loans	$ 3,569	$ 4,608

Fair Value Measurement (Estimat

Fair Value Measurement (Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	$ 385,936	$ 305,959
Held to maturity securities	2,976	3,179
Demand deposits	528,962	492,864
NOW deposits	257,475	259,908
Savings deposits	1,051,136	1,019,925
Time deposits	149,243	164,340
Carrying Amount [Member] | Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	158,675	244,785
Demand deposits	528,962	492,864
NOW deposits	257,475	259,908
Savings deposits	1,051,136	1,019,925
Carrying Amount [Member] | Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	385,936	305,959
FHLB and FRB stock	5,785	6,084
Securities sold under agreement to repurchase	6,476	4,112
Other borrowed funds	26,847	32,879
Subordinated debt	30,999	30,974
Carrying Amount [Member] | Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held to maturity securities	3,017	3,165
Loans, net	1,585,461	1,553,467
Time deposits	149,243	164,340
Fair Value [Member] | Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	158,675	244,785
Demand deposits	528,962	492,864
NOW deposits	257,475	259,908
Savings deposits	1,051,136	1,019,925
Fair Value [Member] | Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	385,936	305,959
FHLB and FRB stock
Securities sold under agreement to repurchase	6,476	4,112
Other borrowed funds	26,398	32,990
Subordinated debt	31,107	32,111
Fair Value [Member] | Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held to maturity securities	2,976	3,179
Loans, net	1,543,612	1,573,420
Time deposits	$ 149,386	$ 164,574

Segment Information (Details)

Segment Information (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)segment	Mar. 31, 2021USD ($)
Number of primary business segments | segment	2
Net interest income (expense)	$ 16,501	$ 16,597
Provision for loan losses	221	313
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	16,280	16,284
Insurance service and fees	2,299	2,502
Other non-interest income	4,431	4,566
Amortization expense	100	135
Other non-interest expense	14,460	14,365
INCOME BEFORE INCOME TAXES	6,251	6,485
Income tax provision	1,503	1,633
NET INCOME	4,748	4,852
Operating Segments [Member]
Net interest income (expense)	16,501	16,597
Provision for loan losses	221	313
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	16,280	16,284
Insurance service and fees	2,299	2,502
Other non-interest income	2,132	2,064
Amortization expense	100	135
Other non-interest expense	14,360	14,230
INCOME BEFORE INCOME TAXES	6,251	6,485
Income tax provision	1,503	1,633
NET INCOME	4,748	4,852
Banking Activities [Member] | Operating Segments [Member]
Net interest income (expense)	16,501	16,600
Provision for loan losses	221	313
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	16,280	16,287
Insurance service and fees	139	164
Other non-interest income	2,132	2,064
Amortization expense	5	5
Other non-interest expense	12,502	12,213
INCOME BEFORE INCOME TAXES	6,044	6,297
Income tax provision	1,449	1,584
NET INCOME	4,595	4,713
Insurance Agency Activities [Member] | Operating Segments [Member]
Net interest income (expense)		(3)
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES		(3)
Insurance service and fees	2,160	2,338
Amortization expense	95	130
Other non-interest expense	1,858	2,017
INCOME BEFORE INCOME TAXES	207	188
Income tax provision	54	49
NET INCOME	$ 153	$ 139

Contingent Liabilities And Co_3

Contingent Liabilities And Commitments (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Contingent Liabilities And Commitments [Abstract]
Losses on commitments	$ 0	$ 0
Reserve for commitments	$ 0	$ 0

Contingent Liabilities And Co_4

Contingent Liabilities And Commitments (Summary Of Commitments And Contingent Liabilities) (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Loss Contingencies [Line Items]
Commitments and contingent liabilities	$ 377,317	$ 399,589
Commitments To Extend Credit [Member]
Loss Contingencies [Line Items]
Commitments and contingent liabilities	372,964	394,953
Standby Letters Of Credit [Member]
Loss Contingencies [Line Items]
Commitments and contingent liabilities	$ 4,353	$ 4,636