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CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2022
Mar. 31, 2021
Interest and dividend income:    
Loans, including fees $ 9,798 $ 10,565
Securities    
Taxable 695 405
Tax exempt 47 59
Dividends 58 59
Interest-bearing deposits with banks 54 28
Other Interest 5 10
Total interest and dividend income 10,657 11,126
Interest expense:    
Deposits 519 883
Other borrowed funds 106 155
Subordinated debentures 42 40
Total interest expense 667 1,078
Net interest income 9,990 10,048
Provision for loan losses (1,126) (52)
Net interest income after provision for loan losses 11,116 10,100
Noninterest income:    
Service charges on deposit accounts 558 405
Trust fees 81 72
Income from bank owned life insurance and annuity assets 274 248
Mortgage banking income 235 179
Electronic refund check / deposit fees 540 540
Debit / credit card interchange income 1,135 1,050
Gain on other real estate owned 7 1
Tax preparation fees 688 694
Other 202 150
Total noninterest income 3,720 3,339
Noninterest expense:    
Salaries and employee benefits 5,570 5,270
Occupancy 478 467
Furniture and equipment 266 296
Professional fees 489 430
Marketing expense 229 268
FDIC insurance 82 79
Data processing 672 575
Software 503 449
Foreclosed assets 1 14
Amortization of intangibles 10 13
Other 1,488 1,326
Total noninterest expense 9,788 9,187
Income before income taxes 5,048 4,252
Provision for income taxes 923 721
NET INCOME $ 4,125 $ 3,531
Earnings per share (in dollars per share) $ 0.87 $ 0.74