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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2022
Jun. 30, 2021
Jun. 30, 2022
Jun. 30, 2021
INTEREST INCOME        
Interest and fees on loans $ 9,725,000 $ 10,283,000 $ 19,221,000 $ 20,610,000
Interest bearing deposits 1,000 3,000 2,000 4,000
Short-term investments 63,000 8,000 80,000 15,000
Investment securities:        
Available for sale 1,304,000 1,171,000 2,427,000 2,259,000
Held to maturity 434,000 373,000 825,000 719,000
Total Interest Income 11,527,000 11,838,000 22,555,000 23,607,000
INTEREST EXPENSE        
Deposits 956,000 1,306,000 1,752,000 2,708,000
Short-term borrowings 3,000   3,000 1,000
Advances from Federal Home Loan Bank 156,000 227,000 332,000 464,000
Financing lease liabilities 25,000 27,000 51,000 54,000
Guaranteed junior subordinated deferrable interest debentures   281,000   561,000
Subordinated debt 263,000 130,000 526,000 260,000
Total Interest Expense 1,403,000 1,971,000 2,664,000 4,048,000
Net Interest Income 10,124,000 9,867,000 19,891,000 19,559,000
Provision (credit) for loan losses (325,000) 100,000 (725,000) 500,000
Net Interest Income after Provision (Credit) for Loan Losses 10,449,000 9,767,000 20,616,000 19,059,000
NON-INTEREST INCOME        
Non-interest income 3,750,000 3,766,000 7,659,000 7,281,000
Net gains on loans held for sale 35,000 122,000 130,000 617,000
Mortgage related fees 32,000 99,000 65,000 229,000
Net realized gains on investment securities   84,000   84,000
Bank owned life insurance 231,000 218,000 440,000 550,000
Other income 601,000 630,000 1,162,000 1,214,000
Total Non-Interest Income 4,138,000 4,399,000 8,473,000 9,013,000
NON-INTEREST EXPENSE        
Salaries and employee benefits 6,963,000 6,867,000 14,368,000 13,808,000
Net occupancy expense 697,000 649,000 1,438,000 1,329,000
Equipment expense 415,000 403,000 812,000 793,000
Professional fees 1,510,000 1,396,000 2,834,000 2,710,000
Supplies, postage and freight 144,000 149,000 309,000 328,000
Miscellaneous taxes and insurance 349,000 312,000 672,000 604,000
Federal deposit insurance expense 130,000 155,000 275,000 310,000
Branch acquisition costs   193,000   303,000
Other expense 1,902,000 1,914,000 2,881,000 3,158,000
Total Non-Interest Expense 12,110,000 12,038,000 23,589,000 23,343,000
PRETAX INCOME 2,477,000 2,128,000 5,500,000 4,729,000
Provision for income taxes 496,000 420,000 1,101,000 940,000
NET INCOME $ 1,981,000 $ 1,708,000 $ 4,399,000 $ 3,789,000
Basic:        
Net income $ 0.12 $ 0.10 $ 0.26 $ 0.22
Average number of shares outstanding 17,109 17,073 17,102 17,068
Diluted:        
Net income $ 0.12 $ 0.10 $ 0.26 $ 0.22
Average number of shares outstanding 17,149 17,131 17,148 17,114
Wealth management fees.        
NON-INTEREST INCOME        
Non-interest income $ 2,976,000 $ 3,022,000 $ 6,141,000 $ 5,894,000
Service charges on deposit accounts        
NON-INTEREST INCOME        
Non-interest income $ 263,000 $ 224,000 $ 535,000 $ 425,000