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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2017
Jun. 30, 2016
Jun. 30, 2017
Jun. 30, 2016
INTEREST INCOME        
Interest and fees on loans $ 9,778 $ 9,409 $ 19,334 $ 18,874
Interest bearing deposits 3 2 5 9
Short-term investments in money market funds 27 13 51 23
Investment securities:        
Available for sale 945 778 1,846 1,545
Held to maturity 298 187 563 360
Total Interest Income 11,051 10,389 21,799 20,811
INTEREST EXPENSE        
Deposits 1,504 1,330 2,940 2,584
Short-term borrowings 67 5 86 47
Advances from Federal Home Loan Bank 171 159 333 318
Guaranteed junior subordinated deferrable interest debentures 280 280 560 560
Subordinated debt 130 129 260 258
Total Interest Expense 2,152 1,903 4,179 3,767
NET INTEREST INCOME 8,899 8,486 17,620 17,044
Provision for loan losses 325 250 550 3,350
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 8,574 8,236 17,070 13,694
NON-INTEREST INCOME        
Trust and investment advisory fees 2,081 2,124 4,247 4,199
Service charges on deposit accounts 385 404 759 819
Net gains on sale of loans 186 185 300 292
Mortgage related fees 83 98 158 161
Net realized gains on investment securities 32 60 59 117
Bank owned life insurance 310 169 451 336
Other income 678 702 1,343 1,255
Total Non-Interest Income 3,755 3,742 7,317 7,179
NON-INTEREST EXPENSE        
Salaries and employee benefits 5,979 5,868 11,989 12,034
Net occupancy expense 639 690 1,313 1,427
Equipment expense 434 409 853 845
Professional fees 1,415 1,192 2,615 2,657
Supplies, postage and freight 161 154 355 349
Miscellaneous taxes and insurance 311 288 605 579
Federal deposit insurance expense 152 188 312 367
Other expense 1,226 1,250 2,360 2,492
Total Non-Interest Expense 10,317 10,039 20,402 20,750
PRETAX INCOME 2,012 1,939 3,985 123
Provision for income tax expense 623 577 1,248 28
NET INCOME 1,389 1,362 2,737 95
Preferred stock dividends 0 0 0 15
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS $ 1,389 $ 1,362 $ 2,737 $ 80
Basic:        
Net income $ 0.07 $ 0.07 $ 0.15 $ 0.00
Average number of shares outstanding 18,580 18,897 18,696 18,890
Diluted:        
Net income $ 0.07 $ 0.07 $ 0.15 $ 0.00
Average number of shares outstanding 18,699 18,948 18,808 18,943
Cash dividends declared $ 0.015 $ 0.01 $ 0.03 $ 0.02