Annual report pursuant to Section 13 and 15(d)

INCOME TAXES (Details 2)

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INCOME TAXES (Details 2) - USD ($)
$ in Thousands
Dec. 31, 2018
Dec. 31, 2017
Deferred Tax Assets attributable to:    
Allowance for Loan Losses $ 3,602 $ 3,373
Accrued Pension/SERP 9,102 10,289
State Net Operating Loss and Tax Credit Carry-Forwards 4,532 5,074
Other Real Estate Owned 1,270 1,520
Federal Net Operating Loss and Tax Credit Carry-Forwards 0 50
Accrued SERP Liability 1,869 1,398
Other 3,101 2,694
Total Deferred Tax Assets 23,476 24,398
Deferred Tax Liabilities attributable to:    
Depreciation on Premises and Equipment 3,970 3,272
Deferred Loan Fees and Costs 2,356 2,266
Intangible Assets 3,232 3,035
Pension 5,001 907
Investments 469 469
Other 4 5
Total Deferred Tax Liabilities 15,032 9,954
Valuation Allowance 1,688 1,755
Net Deferred Tax Assets $ 6,756 $ 12,689