CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Interest and fees on loans:
Taxable	$ 40,938	$ 39,122	$ 37,786
Tax exempt	90	95	75
Interest bearing deposits	20	11	13
Short-term investments in money market funds	201	130	84
Investment securities:
Available for sale	4,527	3,800	3,132
Held to maturity	1,318	1,198	779
Total Interest Income	47,094	44,356	41,869
INTEREST EXPENSE
Deposits	8,443	6,255	5,400
Short-term borrowings	720	206	52
Advances from Federal Home Loan Bank	797	694	644
Guaranteed junior subordinated deferrable interest debentures	1,120	1,120	1,120
Subordinated debt	520	520	519
Total Interest Expense	11,600	8,795	7,735
Net Interest Income	35,494	35,561	34,134
Provision (credit) for loan losses	(600)	800	3,950
Net Interest Income after Provision (Credit) for Loan Losses	36,094	34,761	30,184
NON-INTEREST INCOME
Wealth management fees	9,659	9,170	8,747
Service charges on deposit accounts	1,420	1,581	1,674
Net gains on loans held for sale	489	679	884
Mortgage related fees	196	285	367
Net realized gains (losses) on investment securities	(439)	115	177
Bank owned life insurance	536	737	675
Other income	2,363	2,078	2,114
Total Non-Interest Income	14,224	14,645	14,638
NON-INTEREST EXPENSE
Salaries and employee benefits	24,358	23,920	23,546
Net occupancy expense	2,462	2,600	2,782
Equipment expense	1,464	1,585	1,688
Professional fees	5,039	5,058	5,280
Supplies, postage, and freight	674	676	705
Miscellaneous taxes and insurance	1,125	1,234	1,146
Federal deposit insurance expense	557	628	709
Other expense	5,257	5,065	5,759
Total Non-Interest Expense	40,936	40,766	41,615
PRETAX INCOME	9,382	8,640	3,207
Provision for income taxes	1,614	5,347	897
NET INCOME	7,768	3,293	2,310
Preferred stock dividends	0	0	15
NET INCOME AVAILABLE TO COMMON SHAREHOLDERS	$ 7,768	$ 3,293	$ 2,295
Basic:
Net income	$ 0.43	$ 0.18	$ 0.12
Average number of shares outstanding	17,933	18,498	18,896
Diluted:
Net income	$ 0.43	$ 0.18	$ 0.12
Average number of shares outstanding	18,037	18,600	18,955
Cash dividends declared	$ 0.075	$ 0.060	$ 0.050

Includes amounts charged depositors for: (1) maintenance of their accounts (maintenance charges); (2) failure to maintain specified minimum balances on account; (3) exceeding the number of checks or transactions allowed to be processed in a given period; (4) checks drawn on no minimum balance deposit accounts; (5) withdrawals from nontransaction deposit accounts; (6) closing savings accounts before a specified minimum period of time has elapsed; (7) accounts which have remained inactive for extended periods of time or which have become dormant; (8) use of automated teller machines or remote service units; (9) checks drawn against insufficient funds that the bank assesses regardless of whether it decides to pay, return or hold the check; (10) issuing stop payment orders; (11) certifying checks; and (12) accumulating or disbursing funds deposited in IRAs or Keogh Plan accounts when not handled by the bank's trust department. This item does not include penalties assessed on the early with

No definition available.