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Consolidated Statements Of Income - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2020
Dec. 31, 2019
Interest Income    
Loans $ 28,021 $ 27,559
Securities    
US Government and agency obligations 690 755
Mortgage backed securities 217 220
Municipals - taxable 361 312
Municipals - tax exempt 11 3
Dividends 78 93
Other (Corporates) 117 94
Interest bearing deposits 89 326
Federal Funds sold 102 454
Total interest income 29,686 29,816
Deposits    
NOW, money market savings 804 1,537
Time Deposits 3,348 3,456
Finance leases 115 71
Capital notes 273 200
Total interest expense 4,540 5,264
Net interest income 25,146 24,552
Provision for loan losses 2,548 523
Net interest income after provision for loan losses 22,598 24,029
Noninterest income    
Gain on sales of loans held for sale 7,812 4,254
Service charges, fees and commissions 2,033 1,785
Life insurance income 436 679
Other 50 76
Gain on sales and calls of securities, net 644 394
Total noninterest income 10,975 7,188
Noninterest expenses    
Salaries and employee benefits 15,430 13,092
Occupancy 1,638 1,655
Equipment 2,350 2,107
Supplies 479 597
Professional, data processing, and other outside expense 3,691 3,432
Marketing 667 866
Credit expense 1,112 653
Other real estate expenses 443 366
FDIC insurance expense 336 226
Other 1,248 1,289
Total noninterest expenses 27,394 24,283
Income before income taxes 6,179 6,934
Income tax expense 1,199 1,329
Net Income $ 4,980 $ 5,605
Weighted average shares outstanding - basic 4,341,575 4,375,814
Weighted average shares outstanding- diluted 4,341,575 4,381,597
Earnings per common share - basic $ 1.15 $ 1.28
Earnings per common share - diluted $ 1.15 $ 1.28