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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2020
Sep. 30, 2019
Sep. 30, 2020
Sep. 30, 2019
INTEREST INCOME        
Interest and fees on loans $ 9,724,000 $ 10,737,000 $ 30,504,000 $ 32,149,000
Interest bearing deposits 4,000 6,000 11,000 19,000
Short-term investments 51,000 84,000 219,000 212,000
Investment securities:        
Available for sale 1,122,000 1,265,000 3,464,000 3,898,000
Held to maturity 336,000 341,000 1,044,000 1,084,000
Total Interest Income 11,237,000 12,433,000 35,242,000 37,362,000
INTEREST EXPENSE        
Deposits 1,727,000 2,895,000 6,054,000 8,492,000
Short-term borrowings 1,000 38,000 17,000 276,000
Advances from Federal Home Loan Bank 280,000 297,000 840,000 793,000
Financing lease liabilities 28,000 29,000 85,000 88,000
Guaranteed junior subordinated deferrable interest debentures 280,000 280,000 841,000 841,000
Subordinated debt 130,000 130,000 390,000 390,000
Total Interest Expense 2,446,000 3,669,000 8,227,000 10,880,000
Net Interest Income 8,791,000 8,764,000 27,015,000 26,482,000
Provision (credit) for loan losses 675,000 225,000 1,300,000 (175,000)
Net Interest Income after Provision (Credit) for Loan Losses 8,116,000 8,539,000 25,715,000 26,657,000
NON-INTEREST INCOME        
Non-interest income 3,295,000 3,223,000 9,568,000 9,519,000
Net gains on loans held for sale 507,000 405,000 1,079,000 574,000
Mortgage related fees 161,000 97,000 432,000 218,000
Net realized gains on investment securities   88,000   118,000
Bank owned life insurance 161,000 131,000 438,000 388,000
Other income 665,000 622,000 1,657,000 1,865,000
Total Non-Interest Income 4,304,000 4,095,000 11,903,000 11,357,000
NON-INTEREST EXPENSE        
Salaries and employee benefits 6,838,000 6,324,000 20,161,000 18,973,000
Net occupancy expense 608,000 599,000 1,885,000 1,879,000
Equipment expense 374,000 333,000 1,158,000 1,081,000
Professional fees 1,373,000 1,276,000 3,858,000 3,645,000
Supplies, postage and freight 150,000 142,000 551,000 455,000
Miscellaneous taxes and insurance 291,000 280,000 855,000 851,000
Federal deposit insurance expense 140,000   296,000 160,000
Other expense 1,333,000 1,549,000 3,982,000 4,208,000
Total Non-Interest Expense 11,107,000 10,503,000 32,746,000 31,252,000
PRETAX INCOME 1,313,000 2,131,000 4,872,000 6,762,000
Provision for income taxes 235,000 442,000 966,000 1,403,000
NET INCOME $ 1,078,000 $ 1,689,000 $ 3,906,000 $ 5,359,000
Basic:        
Net income $ 0.06 $ 0.10 $ 0.23 $ 0.31
Average number of shares outstanding 17,059 17,278 17,051 17,443
Diluted:        
Net income $ 0.06 $ 0.10 $ 0.23 $ 0.31
Average number of shares outstanding 17,062 17,360 17,063 17,524
Wealth management fees        
NON-INTEREST INCOME        
Non-interest income $ 2,604,000 $ 2,431,000 $ 7,629,000 $ 7,246,000
Service charges on deposit accounts        
NON-INTEREST INCOME        
Non-interest income 206,000 321,000 668,000 948,000
Other        
NON-INTEREST INCOME        
Non-interest income $ 485,000 $ 471,000 $ 1,271,000 $ 1,325,000