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Consolidated Statements of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2019
Dec. 31, 2018
INTEREST INCOME    
Loans receivable, including fees $ 41,889 $ 36,404
Securities: Taxable 3,277 3,573
Securities: Tax exempt 2,037 2,446
Interest-bearing deposits with banks 81 73
Total Interest Income 47,284 42,496
INTEREST EXPENSE    
Deposits 7,139 4,644
Short-term borrowings 468 323
Other borrowings 1,071 690
Total Interest Expense 8,678 5,657
Net Interest Income 38,606 36,839
PROVISION FOR LOAN LOSSES 1,250 1,725
Net Interest Income After Provision for Loan Losses 37,356 35,114
OTHER INCOME    
Other Income 5,448 5,663
Net realized gains on sales of securities 254 213
Net gain on sale of loans 169 15
Earnings and proceeds on life insurance policies 830 1,126
Other 465 827
Total Other Income 6,778 7,065
OTHER EXPENSES    
Salaries and employee benefits 14,655 14,020
Occupancy 2,936 2,889
Furniture and equipment 783 806
Data processing and related operations 1,869 1,427
Federal Deposit Insurance Corporation insurance assessment 153 347
Advertising 267 257
Professional fees 1,113 993
Postage and telephone 834 705
Taxes, other than income 751 572
Foreclosed real estate 45 172
Amortization of intangible assets 101 126
Other 3,804 3,661
Total Other Expenses 27,311 25,975
Income before Income Taxes 16,823 16,204
INCOME TAX EXPENSE 2,608 2,553
Net income $ 14,215 $ 13,651
BASIC $ 2.27 $ 2.19
DILUTED $ 2.25 $ 2.17
Service Charges And Fees [Member]    
OTHER INCOME    
Other Income $ 4,450 $ 4,295
Income From Fiduciary Activities [Member]    
OTHER INCOME    
Other Income $ 610 $ 589