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CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Sep. 30, 2024
Sep. 30, 2023
Interest and dividend income:        
Loans, including fees $ 16,694 $ 14,299 $ 48,074 $ 39,868
Securities        
Taxable 1,793 917 3,625 2,809
Tax exempt 33 40 101 123
Dividends 95 71 288 236
Interest-bearing deposits with banks 790 601 3,653 1,698
Other interest 0 4 0 9
Total interest and dividend income 19,405 15,932 55,741 44,743
Interest expense:        
Deposits 6,245 4,058 18,246 8,981
Other borrowed funds 422 341 1,291 612
Subordinated debentures 157 157 470 438
Total interest expense 6,824 4,556 20,007 10,031
Net interest income 12,581 11,376 35,734 34,712
Provision for credit losses 920 888 1,852 1,401
Net interest income after provision for credit losses 11,661 10,488 33,882 33,311
Noninterest income:        
Service charges on deposit accounts 810 714 2,266 1,978
Trust fees 99 79 304 247
Income from bank owned life insurance and annuity assets 237 219 688 637
Mortgage banking income 39 42 118 133
Electronic refund check / deposit fees 0 0 675 675
Debit / credit card interchange income 1,326 1,285 3,694 3,673
Tax preparation fees 7 3 640 667
Other 336 226 866 1,038
Total noninterest income 2,854 2,568 9,251 9,048
Noninterest expense:        
Salaries and employee benefits 6,596 5,909 18,949 17,634
Occupancy 485 493 1,491 1,440
Furniture and equipment 327 351 987 979
Professional fees 510 430 1,503 1,296
Marketing expense 228 241 674 723
FDIC insurance 160 141 469 421
Data processing 820 737 2,415 2,183
Software 542 621 1,704 1,771
Foreclosed assets (2) 6 (2) 15
Amortization of intangibles 1 5 8 18
Other 1,553 1,445 4,626 4,586
Total noninterest expense 11,220 10,379 32,824 31,066
Income before income taxes 3,295 2,677 10,309 11,293
Provision for income taxes 576 426 1,825 1,885
NET INCOME $ 2,719 $ 2,251 $ 8,484 $ 9,408
Earnings per share (in dollars per share) $ 0.58 $ 0.47 $ 1.79 $ 1.97