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Consolidated Statements Of Income - USD ($)
 3 Months Ended
Mar. 31, 2020
Mar. 31, 2019
Interest Income    
Loans $ 7,005,000 $ 6,654,000
Securities    
US Government and agency obligations 187,000 185,000
Mortgage backed securities 59,000 61,000
Municipals - taxable 75,000 78,000
Municipals - tax exempt   3,000
Dividends 9,000 18,000
Other (Corporates) 23,000 23,000
Interest bearing deposits 64,000 91,000
Federal Funds sold 66,000 121,000
Total interest income 7,488,000 7,234,000
Deposits    
NOW, money market savings 326,000 306,000
Time Deposits 946,000 748,000
Finance leases 30,000  
Capital notes 50,000 50,000
Total interest expense 1,352,000 1,104,000
Net interest income 6,136,000 6,130,000
Provision for loan losses 888,000 210,000
Net interest income after provision for loan losses 5,248,000 5,920,000
Noninterest income    
Gain on sales of loans held for sale 1,177,000 691,000
Service charges, fees and commissions 488,000 439,000
Life insurance income 78,000 83,000
Other 12,000 6,000
Gain on sales and calls of securities, net 431,000  
Total noninterest income 2,186,000 1,219,000
Noninterest expenses    
Salaries and employee benefits 3,354,000 2,928,000
Occupancy 436,000 421,000
Equipment 609,000 458,000
Supplies 127,000 162,000
Professional, data processing, and other outside expense 924,000 815,000
Marketing 136,000 145,000
Credit expense 196,000 127,000
Other real estate expenses 99,000 139,000
FDIC insurance expense 57,000 94,000
Other 259,000 310,000
Total noninterest expenses 6,197,000 5,599,000
Income before income taxes 1,237,000 1,540,000
Income tax expense 242,000 306,000
Net Income $ 995,000 $ 1,234,000
Weighted average shares outstanding - basic 4,348,040 4,378,436
Weighted average shares outstanding- diluted 4,348,040 4,380,959
Earnings per common share - basic $ 0.23 $ 0.28
Earnings per common share - diluted $ 0.23 $ 0.28