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CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2022
Jun. 30, 2021
Jun. 30, 2022
Jun. 30, 2021
Interest and dividend income:        
Loans, including fees $ 9,304 $ 9,741 $ 18,307 $ 19,191
Investment securities - taxable 1,674 1,507 3,453 2,852
Investment securities - non taxable 375 387 755 776
Other short term investments and CD’s 160 29 193 63
Total interest income 11,513 11,664 22,708 22,882
Interest expense:        
Deposits 309 448 642 967
Securities sold under agreement to repurchase 22 19 47 47
Other borrowed money 131 105 235 209
Total interest expense 462 572 924 1,223
Net interest income 11,051 11,092 21,784 21,659
Provision for (release of) loan losses (70) 168 (195) 345
Net interest income after provision for (release of) loan losses 11,121 10,924 21,979 21,314
Non-interest income:        
Deposit service charges 262 212 527 458
Mortgage banking income 481 1,143 1,320 2,133
Investment advisory fees and non-deposit commissions 1,195 957 2,393 1,834
Gain (loss) on sale of other assets (45) (45) 77
Other 1,116 1,106 2,188 2,212
Total non-interest income 3,009 3,418 6,383 6,714
Non-interest expense:        
Salaries and employee benefits 6,175 5,948 12,294 11,912
Occupancy 786 734 1,491 1,464
Equipment 329 338 661 613
Marketing and public relations 446 313 807 709
FDIC Insurance assessments 105 146 235 315
Other real estate expense 29 55 76 84
Amortization of intangibles 40 52 79 109
Other 2,278 2,292 4,499 4,212
Total non-interest expense 10,188 9,878 20,142 19,418
Net income before tax 3,942 4,464 8,220 8,610
Income tax expense 812 921 1,601 1,812
Net income $ 3,130 $ 3,543 $ 6,619 $ 6,798
Basic earnings per common share $ 0.42 $ 0.47 $ 0.88 $ 0.91
Diluted earnings per common share $ 0.41 $ 0.47 $ 0.87 $ 0.90