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CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Interest and dividend income:    
Loans, including fees $ 15,250 $ 12,276
Securities    
Taxable 885 958
Tax exempt 34 42
Dividends 98 90
Interest-bearing deposits with banks 1,417 426
Other interest 0 2
Total interest and dividend income 17,684 13,794
Interest expense:    
Deposits 5,899 1,832
Other borrowed funds 438 102
Subordinated debentures 157 138
Total interest expense 6,494 2,072
Net interest income 11,190 11,722
Provision for (recovery of) credit losses 751 489
Net interest income after provision for (recovery of) credit losses 10,439 11,233
Noninterest income:    
Service charges on deposit accounts 725 611
Trust fees 104 86
Income from bank owned life insurance and annuity assets 225 207
Mortgage banking income 39 47
Electronic refund check / deposit fees 540 540
Debit / credit card interchange income 1,145 1,173
Tax preparation fees 607 631
Other 311 472
Total noninterest income 3,696 3,767
Noninterest expense:    
Salaries and employee benefits 6,167 5,884
Occupancy 469 462
Furniture and equipment 334 298
Professional fees 486 433
Marketing expense 225 241
FDIC insurance 148 138
Data processing 807 720
Software 621 562
Foreclosed assets (2) 2
Amortization of intangibles 3 7
Other 1,483 1,525
Total noninterest expense 10,741 10,272
Income before income taxes 3,394 4,728
Provision for income taxes 601 820
NET INCOME $ 2,793 $ 3,908
Earnings per share (in dollars per share) $ 0.58 $ 0.82