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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2021
Jun. 30, 2020
Jun. 30, 2021
Jun. 30, 2020
INTEREST INCOME        
Interest and fees on loans $ 10,283,000 $ 10,448,000 $ 20,610,000 $ 20,780,000
Interest bearing deposits 3,000 3,000 4,000 7,000
Short-term investments 8,000 96,000 15,000 168,000
Investment securities:        
Available for sale 1,171,000 1,159,000 2,259,000 2,342,000
Held to maturity 373,000 355,000 719,000 708,000
Total Interest Income 11,838,000 12,061,000 23,607,000 24,005,000
INTEREST EXPENSE        
Deposits 1,306,000 1,869,000 2,708,000 4,327,000
Short-term borrowings   4,000 1,000 16,000
Advances from Federal Home Loan Bank 227,000 276,000 464,000 560,000
Financing lease liabilities 27,000 28,000 54,000 57,000
Guaranteed junior subordinated deferrable interest debentures 281,000 281,000 561,000 561,000
Subordinated debt 130,000 130,000 260,000 260,000
Total Interest Expense 1,971,000 2,588,000 4,048,000 5,781,000
Net Interest Income 9,867,000 9,473,000 19,559,000 18,224,000
Provision for loan losses 100,000 450,000 500,000 625,000
Net Interest Income after Provision for Loan Losses 9,767,000 9,023,000 19,059,000 17,599,000
NON-INTEREST INCOME        
Non-interest income 3,766,000 3,043,000 7,281,000 6,273,000
Net gains on loans held for sale 122,000 335,000 617,000 572,000
Mortgage related fees 99,000 145,000 229,000 271,000
Net realized gains on investment securities 84,000   84,000  
Bank owned life insurance 218,000 152,000 550,000 277,000
Other income 630,000 488,000 1,214,000 992,000
Total Non-Interest Income 4,399,000 3,767,000 9,013,000 7,599,000
NON-INTEREST EXPENSE        
Salaries and employee benefits 6,867,000 6,619,000 13,808,000 13,323,000
Net occupancy expense 649,000 606,000 1,329,000 1,277,000
Equipment expense 403,000 389,000 793,000 784,000
Professional fees 1,396,000 1,331,000 2,710,000 2,485,000
Supplies, postage and freight 149,000 222,000 328,000 401,000
Miscellaneous taxes and insurance 312,000 289,000 604,000 564,000
Federal deposit insurance expense 155,000 130,000 310,000 156,000
Branch acquisition costs 193,000   303,000  
Other expense 1,914,000 1,420,000 3,158,000 2,649,000
Total Non-Interest Expense 12,038,000 11,006,000 23,343,000 21,639,000
PRETAX INCOME 2,128,000 1,784,000 4,729,000 3,559,000
Provision for income taxes 420,000 365,000 940,000 731,000
NET INCOME $ 1,708,000 $ 1,419,000 $ 3,789,000 $ 2,828,000
Basic:        
Net income $ 0.10 $ 0.08 $ 0.22 $ 0.17
Average number of shares outstanding 17,073 17,052 17,068 17,047
Diluted:        
Net income $ 0.10 $ 0.08 $ 0.22 $ 0.17
Average number of shares outstanding 17,131 17,056 17,114 17,070
Wealth management fees.        
NON-INTEREST INCOME        
Non-interest income $ 3,022,000 $ 2,471,000 $ 5,894,000 $ 5,025,000
Service charges on deposit accounts        
NON-INTEREST INCOME        
Non-interest income $ 224,000 $ 176,000 $ 425,000 $ 462,000