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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
INTEREST INCOME        
Interest and fees on loans $ 9,830 $ 9,724 $ 30,440 $ 30,504
Interest bearing deposits 2 4 6 11
Short-term investments 26 51 41 219
Investment securities:        
Available for sale 1,133 1,122 3,392 3,464
Held to maturity 381 336 1,100 1,044
Total Interest Income 11,372 11,237 34,979 35,242
INTEREST EXPENSE        
Deposits 1,189 1,727 3,897 6,054
Short-term borrowings   1 1 17
Advances from Federal Home Loan Bank 217 280 681 840
Financing lease liabilities 26 28 80 85
Guaranteed junior subordinated deferrable interest debentures 383 280 944 841
Subordinated debt 331 130 591 390
Total Interest Expense 2,146 2,446 6,194 8,227
Net Interest Income 9,226 8,791 28,785 27,015
Provision for loan losses 350 675 850 1,300
Net Interest Income after Provision for Loan Losses 8,876 8,116 27,935 25,715
NON-INTEREST INCOME        
Non-interest income 3,945 3,295 11,226 9,568
Net gains on loans held for sale 15 507 632 1,079
Mortgage related fees 81 161 310 432
Net realized gains on investment securities     84  
Bank owned life insurance 221 161 771 438
Other income 702 665 1,916 1,657
Total Non-Interest Income 4,416 4,304 13,429 11,903
NON-INTEREST EXPENSE        
Salaries and employee benefits 6,910 6,838 20,718 20,161
Net occupancy expense 651 608 1,980 1,885
Equipment expense 390 374 1,183 1,158
Professional fees 1,379 1,373 4,089 3,858
Supplies, postage and freight 158 150 486 551
Miscellaneous taxes and insurance 318 291 922 855
Federal deposit insurance expense 170 140 480 296
Branch acquisition costs 87   390  
Other expense 1,457 1,333 4,615 3,982
Total Non-Interest Expense 11,520 11,107 34,863 32,746
PRETAX INCOME 1,772 1,313 6,501 4,872
Provision for income taxes 341 235 1,281 966
NET INCOME $ 1,431 $ 1,078 $ 5,220 $ 3,906
Basic:        
Net income $ 0.08 $ 0.06 $ 0.31 $ 0.23
Average number of shares outstanding 17,075 17,059 17,071 17,051
Diluted:        
Net income $ 0.08 $ 0.06 $ 0.31 $ 0.23
Average number of shares outstanding 17,114 17,062 17,114 17,063
Wealth management fees.        
NON-INTEREST INCOME        
Non-interest income $ 3,137 $ 2,604 $ 9,031 $ 7,629
Service charges on deposit accounts        
NON-INTEREST INCOME        
Non-interest income $ 260 $ 206 $ 685 $ 668