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Interim Condensed Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2020
Mar. 31, 2019
Interest income:    
Interest and fees on loans $ 9,639 $ 9,673
Interest on investment securities 758 1,140
Total interest income 10,397 10,813
Interest expense:    
Interest on deposits 1,475 1,640
Interest on borrowings 36  
Total interest expense 1,511 1,640
Net interest income 8,886 9,173
Provision for loan and lease losses 580 400
Net interest income after provision for loan and lease losses 8,306 8,773
Non-interest income:    
Credit insurance income 153 143
Net gain on sales and prepayments of investment securities   13
Lease income 212 209
Other income, net 371 337
Total non-interest income 1,297 1,265
Non-interest expense:    
Salaries and employee benefits 5,136 4,988
Net occupancy and equipment 1,001 1,089
Computer services 417 351
Fees for professional services 278 242
Other expense 1,662 1,783
Total non-interest expense 8,494 8,453
Income before income taxes 1,109 1,585
Provision for income taxes 262 351
Net income $ 847 $ 1,234
Basic net income per share $ 0.13 $ 0.19
Diluted net income per share 0.13 0.18
Dividends per share $ 0.03 $ 0.02
Service [Member]    
Non-interest income:    
Revenue from Contract with Customer, Including Assessed Tax $ 434 $ 460
Mortgage Banking [Member]    
Non-interest income:    
Revenue from Contract with Customer, Including Assessed Tax $ 127 $ 103