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Consolidated Statements Of Income - USD ($)
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Interest Income    
Loans $ 8,024,000 $ 7,426,000
Securities    
US Government and agency obligations 338,000 320,000
Mortgage backed securities 809,000 414,000
Municipals - taxable 286,000 282,000
Municipals - tax exempt 18,000 18,000
Dividends 12,000 8,000
Corporates 135,000 143,000
Interest-bearing deposits 133,000 148,000
Federal Funds sold 754,000 339,000
Total interest income 10,509,000 9,098,000
Deposits    
NOW, money market savings 1,275,000 360,000
Time Deposits 2,090,000 861,000
FHLB borrowings   31,000
Finance leases 20,000 23,000
Other borrowings 92,000 99,000
Capital notes 82,000 82,000
Total interest expense 3,559,000 1,456,000
Net interest income 6,950,000 7,642,000
(Recovery of) provision for credit losses (553,000) 140,000
Net interest income after (recovery of) provision for credit losses 7,503,000 7,502,000
Noninterest income    
Gain on sales of loans held for sale 927,000 923,000
Service charges, fees and commissions 953,000 983,000
Wealth management fees 1,163,000 1,006,000
Life insurance income 159,000 132,000
Other 105,000  
Total noninterest income 3,307,000 3,044,000
Noninterest expenses    
Salaries and employee benefits 4,445,000 4,268,000
Occupancy 493,000 472,000
Equipment 607,000 676,000
Supplies 145,000 148,000
Professional and other outside expenses 801,000 678,000
Data processing 751,000 693,000
Marketing 30,000 194,000
Credit expense 188,000 196,000
Other real estate expenses, net   26,000
FDIC insurance expense 109,000 104,000
Amortization of intangibles 140,000 140,000
Other 379,000 480,000
Total noninterest expenses 8,088,000 8,075,000
Income before income taxes 2,722,000 2,471,000
Income tax expense 535,000 487,000
Net Income $ 2,187,000 $ 1,984,000
Weighted average shares outstanding - basic 4,543,338 4,618,684
Weighted average shares outstanding - diluted 4,543,338 4,618,684
Earnings per common share – basic $ 0.48 $ 0.43
Earnings per common share – diluted $ 0.48 $ 0.43