CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands, $ in Thousands	3 Months Ended	9 Months Ended
Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
INTEREST INCOME
Interest and fees on loans	$ 10,737	$ 10,607	$ 32,149	$ 30,550
Interest bearing deposits	6	5	19	14
Short-term investments in money market funds	84	60	212	150
Investment securities:
Available for sale	1,265	1,144	3,898	3,274
Held to maturity	341	333	1,084	981
Total Interest Income	12,433	12,149	37,362	34,969
INTEREST EXPENSE
Deposits	2,895	2,164	8,492	5,918
Short-term borrowings	38	267	276	529
Advances from Federal Home Loan Bank	297	199	793	577
Financing lease liabilities	29	0	88	0
Guaranteed junior subordinated deferrable interest debentures	280	280	841	840
Subordinated debt	130	130	390	390
Total Interest Expense	3,669	3,040	10,880	8,254
NET INTEREST INCOME	8,764	9,109	26,482	26,715
Provision (credit) for loan losses	225	0	(175)	100
NET INTEREST INCOME AFTER PROVISION (CREDIT) FOR LOAN LOSSES	8,539	9,109	26,657	26,615
NON-INTEREST INCOME
Wealth management fees	2,431	2,359	7,246	7,232
Service charges on deposit accounts	321	326	948	1,066
Net gains on sale of loans	405	176	574	393
Mortgage related fees	97	54	218	165
Net realized gains (losses) on investment securities	88	0	118	(148)
Bank owned life insurance	131	135	388	400
Other income	622	536	1,865	1,794
Total Non-Interest Income	4,095	3,586	11,357	10,902
NON-INTEREST EXPENSE
Salaries and employee benefits	6,324	5,815	18,973	18,126
Net occupancy expense	599	585	1,879	1,866
Equipment expense	333	335	1,081	1,104
Professional fees	1,276	1,321	3,645	3,757
Supplies, postage and freight	142	159	455	491
Miscellaneous taxes and insurance	280	258	851	797
Federal deposit insurance expense	0	140	160	457
Other expense	1,549	1,483	4,208	3,901
Total Non-Interest Expense	10,503	10,096	31,252	30,499
PRETAX INCOME	2,131	2,599	6,762	7,018
Provision for income tax expense	442	270	1,403	1,178
NET INCOME	$ 1,689	$ 2,329	$ 5,359	$ 5,840
Basic:
Net income	$ 0.10	$ 0.13	$ 0.31	$ 0.32
Average number of shares outstanding	17,278	17,924	17,443	18,013
Diluted:
Net income	$ 0.10	$ 0.13	$ 0.31	$ 0.32
Average number of shares outstanding	17,360	18,036	17,524	18,117
Cash dividends declared	$ 0.025	$ 0.020	$ 0.070	$ 0.055

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 non-transaction 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.