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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended
Mar. 31, 2017
Mar. 31, 2016
INTEREST INCOME    
Interest and fees on loans $ 9,556 $ 9,465
Interest bearing deposits 2 7
Short-term investments in money market funds 24 10
Investment securities:    
Available for sale 901 767
Held to maturity 265 173
Total Interest Income 10,748 10,422
INTEREST EXPENSE    
Deposits 1,436 1,254
Short-term borrowings 19 42
Advances from Federal Home Loan Bank 162 159
Guaranteed junior subordinated deferrable interest debentures 280 280
Subordinated debt 130 129
Total Interest Expense 2,027 1,864
NET INTEREST INCOME 8,721 8,558
Provision for loan losses 225 3,100
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 8,496 5,458
NON-INTEREST INCOME    
Trust and investment advisory fees 2,166 2,075
Service charges on deposit accounts 374 415
Net gains on sale of loans 114 107
Mortgage related fees 75 63
Net realized gains on investment securities 27 57
Bank owned life insurance 141 167
Other income 665 553
Total Non-Interest Income 3,562 3,437
NON-INTEREST EXPENSE    
Salaries and employee benefits 6,010 6,166
Net occupancy expense 674 737
Equipment expense 419 436
Professional fees 1,200 1,465
Supplies, postage, and freight 194 195
Miscellaneous taxes and insurance 294 291
Federal deposit insurance expense 160 179
Other expense 1,134 1,242
Total Non-Interest Expense 10,085 10,711
PRETAX INCOME (LOSS) 1,973 (1,816)
Provision (benefit) for income tax expense 625 (549)
NET INCOME (LOSS) 1,348 (1,267)
Preferred stock dividends 0 15
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS $ 1,348 $ (1,282)
Basic:    
Net income (loss) $ 0.07 $ (0.07)
Average number of shares outstanding 18,814 18,884
Diluted:    
Net income (loss) $ 0.07 $ (0.07)
Average number of shares outstanding 18,922 18,884
Cash dividends declared $ 0.015 $ 0.010