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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 $ 10,020 $ 10,562 $ 19,818 $ 21,127
Securities        
Taxable 851 479 1,546 884
Tax exempt 45 60 92 119
Dividends 69 57 127 116
Interest-bearing deposits with banks 232 33 286 61
Other Interest 4 8 9 18
Total interest and dividend income 11,221 11,199 21,878 22,325
Interest expense:        
Deposits 507 799 1,026 1,682
Other borrowed funds 103 145 209 300
Subordinated debentures 58 40 100 80
Total interest expense 668 984 1,335 2,062
Net interest income 10,553 10,215 20,543 20,263
Provision for loan losses 813 27 (313) (25)
Net interest income after provision for loan losses 9,740 10,188 20,856 20,288
Noninterest income:        
Service charges on deposit accounts 595 390 1,153 795
Trust fees 86 70 167 142
Income from bank owned life insurance and annuity assets 195 200 469 448
Mortgage banking income 220 186 455 365
Electronic refund check / deposit fees 135 135 675 675
Debit / credit card interchange income 1,177 1,173 2,312 2,223
Gain on other real estate owned 0 0 7 1
Tax preparation fees 50 55 738 749
Other 178 297 380 447
Total noninterest income 2,636 2,506 6,356 5,845
Noninterest expense:        
Salaries and employee benefits 5,683 5,279 11,253 10,549
Occupancy 424 465 902 932
Furniture and equipment 279 269 545 565
Professional fees 498 427 987 857
Marketing expense 229 268 458 536
FDIC insurance 88 79 170 158
Data processing 688 660 1,360 1,235
Software 556 434 1,059 883
Foreclosed assets 36 8 37 22
Amortization of intangibles 10 14 20 27
Other 1,532 1,394 3,020 2,720
Total noninterest expense 10,023 9,297 19,811 18,484
Income before income taxes 2,353 3,397 7,401 7,649
Provision for income taxes 354 536 1,277 1,257
NET INCOME $ 1,999 $ 2,861 $ 6,124 $ 6,392
Earnings per share (in dollars per share) $ 0.42 $ 0.60 $ 1.29 $ 1.34