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Condensed Consolidated Income Statement (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2019
Mar. 31, 2018
Loans    
Taxable $ 9,427 $ 8,140
Tax exempt 62 21
Securities    
Taxable 911 573
Tax exempt 98 117
Total interest income 10,498 8,851
Interest Expense    
Deposits 1,918 975
Repurchase agreements & other 26 10
Federal Home Loan Bank advance expense 100 79
Trust preferred securities expense 114 87
Total interest expense 2,158 1,151
Net Interest Income 8,340 7,700
Provision for loan losses 300
Net interest income after provision for loan losses 8,340 7,400
Noninterest Income    
Wealth management fees 734 739
Customer service fees 631 644
Gain on sale of mortgage loans & OMSR 1,192 1,100
Mortgage loan servicing fees, net (280) 471
Gain on sale of non-mortgage loans 327 660
Title insurance income 19
Loss on sale/disposal of assets (2) (39)
Other income 379 668
Total noninterest income 3,000 4,243
Noninterest Expense    
Salaries and employee benefits 4,902 4,939
Net occupancy expense 645 649
Equipment expense 711 829
Data processing fees 443 438
Professional fees 617 419
Marketing expense 239 221
Telephone and communications 115 122
Postage and delivery expense 84 74
State, local and other taxes 255 186
Employee expense 153 166
Other expenses 462 584
Total noninterest expense 8,626 8,627
Income before income tax 2,714 3,016
Provision for income taxes 488 563
Net Income 2,226 2,453
Preferred Share Dividends 244 244
Net Income available to Common Shareholders $ 1,982 $ 2,209
Basic Earnings Per Common Share $ 0.31 $ 0.40
Diluted Earnings Per Common Share $ 0.28 $ 0.35
Average common shares outstanding (in thousands):    
Basic: 6,482 5,519
Diluted: 7,994 7,055