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Consolidated Statements of Operations (Unaudited) - USD ($)
 3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Interest and Dividend Income        
Interest and fees on loans $ 5,783,000 $ 5,924,000 $ 11,623,000 $ 11,470,000
Interest on investment securities 132,000 119,000 274,000 235,000
Dividends on investment securities 90,000 60,000 176,000 117,000
Other interest income 28,000 17,000 69,000 46,000
Total interest and dividend income 6,033,000 6,120,000 12,142,000 11,868,000
Interest Expense        
Interest on deposits 496,000 513,000 969,000 1,042,000
Interest on Federal Home Loan Bank borrowings 64,000 85,000 185,000 156,000
Interest on subordinated debt 83,000 73,000 165,000 144,000
Interest on other borrowings 8,000 16,000
Total interest expense 651,000 671,000 1,335,000 1,342,000
Net interest income 5,382,000 5,449,000 10,807,000 10,526,000
Provision for Loan Losses 250,000
Net interest income after provision for loan losses 5,382,000 5,449,000 10,807,000 10,276,000
Non-Interest Income        
Loan application, inspection & processing fees 21,000 105,000 88,000 155,000
Fees and service charges 150,000 147,000 301,000 321,000
Rental Income 104,000 177,000 207,000 110,000
Other income 90,000 22,000 179,000 259,000
Total non-interest income 365,000 451,000 775,000 845,000
Non-Interest Expense        
Salaries and benefits 2,615,000 2,395,000 5,165,000 4,739,000
Occupancy and equipment expense 750,000 909,000 1,530,000 1,864,000
Data processing expense 241,000 255,000 526,000 505,000
Advertising and promotional expenses 96,000 137,000 213,000 187,000
Professional and other outside services 364,000 391,000 773,000 960,000
Loan administration and processing expenses 8,000 7,000 16,000 29,000
Regulatory assessments 147,000 157,000 294,000 311,000
Insurance expense 56,000 83,000 111,000 164,000
Material and communications 115,000 106,000 208,000 187,000
Other operating expenses 344,000 319,000 664,000 544,000
Total non-interest expense 4,736,000 4,759,000 9,500,000 9,490,000
Income before income taxes 1,011,000 1,141,000 2,082,000 1,631,000
Expense for income taxes 397,000 452,000 815,000 653,000
Net income $ 613,863 $ 689,000 $ 1,267,260 $ 978,000
Basic and diluted income per share (1) (in dollars per share) [1] $ 0.16 $ 0.18 $ 0.32 $ 0.25
[1] All common stock data has been restated for a 1-for-10 reverse stock split which took effect on March 4, 2015.