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Consolidated Statements Of Income - USD ($)
 3 Months Ended 9 Months Ended
Sep. 30, 2020
Sep. 30, 2019
Sep. 30, 2020
Sep. 30, 2019
Interest Income        
Loans $ 6,958,000 $ 7,080,000 $ 20,695,000 $ 20,550,000
Securities        
US Government and agency obligations 168,000 176,000 506,000 545,000
Mortgage backed securities 50,000 54,000 164,000 171,000
Municipals - taxable 93,000 77,000 248,000 237,000
Municipals - tax exempt 1,000   1,000 2,000
Dividends 15,000 9,000 48,000 60,000
Other (Corporates) 25,000 23,000 71,000 70,000
Interest bearing deposits 15,000 88,000 85,000 253,000
Federal Funds sold 13,000 89,000 89,000 332,000
Total interest income 7,338,000 7,596,000 21,907,000 22,220,000
Deposits        
NOW, money market savings 177,000 414,000 669,000 1,082,000
Time Deposits 844,000 926,000 2,702,000 2,500,000
Finance leases 29,000 41,000 87,000 41,000
Capital notes 85,000 50,000 192,000 150,000
Total interest expense 1,135,000 1,431,000 3,650,000 3,773,000
Net interest income 6,203,000 6,165,000 18,257,000 18,447,000
Provision for loan losses 700,000 108,000 2,348,000 434,000
Net interest income after provision for loan losses 5,503,000 6,057,000 15,909,000 18,013,000
Noninterest income        
Gain on sales of loans held for sale 2,459,000 1,337,000 5,586,000 3,103,000
Service charges, fees and commissions 498,000 448,000 1,500,000 1,348,000
Life insurance income 102,000 81,000 290,000 248,000
Other 5,000 4,000 19,000 49,000
Gain on sales and calls of securities, net   291,000 644,000 291,000
Total noninterest income 3,064,000 2,161,000 8,039,000 5,039,000
Noninterest expenses        
Salaries and employee benefits 3,713,000 3,356,000 11,040,000 9,437,000
Occupancy 419,000 414,000 1,237,000 1,252,000
Equipment 560,000 527,000 1,738,000 1,521,000
Supplies 120,000 163,000 353,000 467,000
Professional, data processing, and other outside expense 990,000 887,000 2,884,000 2,561,000
Marketing 185,000 228,000 500,000 649,000
Credit expense 359,000 195,000 831,000 478,000
Other real estate expenses 15,000 200,000 135,000 340,000
FDIC insurance expense 76,000 87,000 220,000 275,000
Other 307,000 316,000 938,000 967,000
Total noninterest expenses 6,744,000 6,373,000 19,876,000 17,947,000
Income before income taxes 1,823,000 1,845,000 4,072,000 5,105,000
Income tax expense 369,000 371,000 802,000 1,020,000
Net Income $ 1,454,000 $ 1,474,000 $ 3,270,000 $ 4,085,000
Weighted average shares outstanding - basic 4,339,436 4,378,436 4,342,294 4,378,436
Weighted average shares outstanding- diluted 4,339,436 4,385,331 4,342,294 4,383,128
Earnings per common share - basic $ 0.34 $ 0.34 $ 0.75 $ 0.93
Earnings per common share - diluted $ 0.34 $ 0.34 $ 0.75 $ 0.93