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CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Interest and dividend income:        
Loans, including fees $ 10,956 $ 9,408 $ 30,147 $ 27,254
Investment securities - taxable 1,607 1,135 4,459 3,797
Investment securities - non taxable 388 390 1,164 1,065
Other short term investments and CD’s 31 43 94 236
Total interest income 12,982 10,976 35,864 32,352
Interest expense:        
Deposits 403 659 1,370 2,415
Securities sold under agreement to repurchase 19 25 66 166
Other borrowed money 104 116 313 435
Total interest expense 526 800 1,749 3,016
Net interest income 12,456 10,176 34,115 29,336
Provision for loan losses 49 1,062 394 3,387
Net interest income after provision for loan losses 12,407 9,114 33,721 25,949
Non-interest income:        
Deposit service charges 257 242 715 851
Mortgage banking income 1,147 1,403 3,280 3,957
Investment advisory fees and non-deposit commissions 1,040 672 2,874 1,977
Gain on sale of securities 99 99
Gain on sale of other real estate owned 141 77 147
Non-recurring bank owned life insurance (BOLI) income 311 311
Other 1,120 982 3,332 2,823
Total non-interest income 3,564 3,850 10,278 10,165
Non-interest expense:        
Salaries and employee benefits 6,394 6,087 18,306 17,580
Occupancy 743 736 2,207 2,058
Equipment 336 318 949 934
Marketing and public relations 140 342 849 943
FDIC Insurance assessments 189 137 504 267
Other real estate expense 58 79 142 154
Amortization of intangibles 52 95 161 295
Other 1,993 1,920 6,205 5,652
Total non-interest expense 9,905 9,714 29,323 27,883
Net income before tax 6,066 3,250 14,676 8,231
Income tax expense 1,318 598 3,130 1,568
Net income $ 4,748 $ 2,652 $ 11,546 $ 6,663