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Consolidated Statements Of Income - USD ($)
 3 Months Ended 6 Months Ended
Jun. 30, 2020
Jun. 30, 2019
Jun. 30, 2020
Jun. 30, 2019
Interest Income        
Loans $ 6,732,000 $ 6,816,000 $ 13,737,000 $ 13,470,000
Securities        
US Government and agency obligations 151,000 184,000 338,000 369,000
Mortgage backed securities 55,000 56,000 114,000 117,000
Municipals - taxable 80,000 81,000 155,000 160,000
Municipals - tax exempt       2,000
Dividends 24,000 33,000 33,000 51,000
Other (Corporates) 23,000 24,000 46,000 47,000
Interest bearing deposits 6,000 74,000 70,000 165,000
Federal Funds sold 10,000 122,000 76,000 243,000
Total interest income 7,081,000 7,390,000 14,569,000 14,624,000
Deposits        
NOW, money market savings 166,000 362,000 492,000 668,000
Time Deposits 912,000 826,000 1,858,000 1,574,000
Finance leases 28,000   58,000  
Capital notes 57,000 50,000 107,000 100,000
Total interest expense 1,163,000 1,238,000 2,515,000 2,342,000
Net interest income 5,918,000 6,152,000 12,054,000 12,282,000
Provision for loan losses 760,000 116,000 1,648,000 326,000
Net interest income after provision for loan losses 5,158,000 6,036,000 10,406,000 11,956,000
Noninterest income        
Gain on sales of loans held for sale 1,950,000 1,075,000 3,127,000 1,766,000
Service charges, fees and commissions 514,000 461,000 1,002,000 900,000
Life insurance income 110,000 84,000 188,000 167,000
Other 2,000 39,000 14,000 45,000
Gain on sales and calls of securities, net 213,000   644,000  
Total noninterest income 2,789,000 1,659,000 4,975,000 2,878,000
Noninterest expenses        
Salaries and employee benefits 3,973,000 3,153,000 7,327,000 6,081,000
Occupancy 382,000 417,000 818,000 838,000
Equipment 569,000 536,000 1,178,000 994,000
Supplies 106,000 142,000 233,000 304,000
Professional, data processing, and other outside expense 970,000 859,000 1,894,000 1,674,000
Marketing 179,000 276,000 315,000 421,000
Credit expense 276,000 156,000 472,000 283,000
Other real estate expenses 21,000 1,000 120,000 140,000
FDIC insurance expense 87,000 94,000 144,000 188,000
Other 372,000 341,000 631,000 651,000
Total noninterest expenses 6,935,000 5,975,000 13,132,000 11,574,000
Income before income taxes 1,012,000 1,720,000 2,249,000 3,260,000
Income tax expense 191,000 343,000 433,000 649,000
Net Income $ 821,000 $ 1,377,000 $ 1,816,000 $ 2,611,000
Weighted average shares outstanding - basic 4,339,436 4,378,436 4,343,738 4,378,436
Weighted average shares outstanding- diluted 4,339,436 4,383,021 4,343,738 4,381,994
Earnings per common share - basic $ 0.19 $ 0.31 $ 0.42 $ 0.60
Earnings per common share - diluted $ 0.19 $ 0.31 $ 0.42 $ 0.60