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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
INTEREST INCOME        
Interest and fees on loans $ 10,691,000 $ 9,830,000 $ 29,912,000 $ 30,440,000
Interest bearing deposits 9,000 2,000 11,000 6,000
Short-term investments 63,000 26,000 143,000 41,000
Investment securities:        
Available for sale 1,490,000 1,133,000 3,917,000 3,392,000
Held to maturity 447,000 381,000 1,272,000 1,100,000
Total Interest Income 12,700,000 11,372,000 35,255,000 34,979,000
INTEREST EXPENSE        
Deposits 1,720,000 1,189,000 3,472,000 3,897,000
Short-term borrowings 36,000   39,000 1,000
Advances from Federal Home Loan Bank 127,000 217,000 459,000 681,000
Financing lease liabilities 25,000 26,000 76,000 80,000
Guaranteed junior subordinated deferrable interest debentures   383,000   944,000
Subordinated debt 263,000 331,000 789,000 591,000
Total Interest Expense 2,171,000 2,146,000 4,835,000 6,194,000
Net Interest Income 10,529,000 9,226,000 30,420,000 28,785,000
Provision (credit) for loan losses 500,000 350,000 (225,000) 850,000
Net Interest Income after Provision (Credit) for Loan Losses 10,029,000 8,876,000 30,645,000 27,935,000
NON-INTEREST INCOME        
Non-interest income 3,640,000 3,945,000 11,299,000 11,226,000
Net gains on loans held for sale 53,000 15,000 183,000 632,000
Mortgage related fees 27,000 81,000 92,000 310,000
Net realized gains on investment securities       84,000
Bank owned life insurance 329,000 221,000 769,000 771,000
Other income 815,000 702,000 1,977,000 1,916,000
Total Non-Interest Income 4,326,000 4,416,000 12,799,000 13,429,000
NON-INTEREST EXPENSE        
Salaries and employee benefits 7,071,000 6,910,000 21,439,000 20,718,000
Net occupancy expense 698,000 651,000 2,136,000 1,980,000
Equipment expense 393,000 390,000 1,205,000 1,183,000
Professional fees 1,656,000 1,379,000 4,490,000 4,089,000
Supplies, postage and freight 172,000 158,000 481,000 486,000
Miscellaneous taxes and insurance 350,000 318,000 1,022,000 922,000
Federal deposit insurance expense 125,000 170,000 400,000 480,000
Branch acquisition costs   87,000   390,000
Other expense 1,262,000 1,457,000 4,143,000 4,615,000
Total Non-Interest Expense 11,727,000 11,520,000 35,316,000 34,863,000
PRETAX INCOME 2,628,000 1,772,000 8,128,000 6,501,000
Provision for income taxes 526,000 341,000 1,627,000 1,281,000
NET INCOME $ 2,102,000 $ 1,431,000 $ 6,501,000 $ 5,220,000
Basic:        
Net income $ 0.12 $ 0.08 $ 0.38 $ 0.31
Average number of shares outstanding 17,111 17,075 17,105 17,071
Diluted:        
Net income $ 0.12 $ 0.08 $ 0.38 $ 0.31
Average number of shares outstanding 17,145 17,114 17,146 17,114
Wealth management fees.        
NON-INTEREST INCOME        
Non-interest income $ 2,813,000 $ 3,137,000 $ 8,954,000 $ 9,031,000
Service charges on deposit accounts        
NON-INTEREST INCOME        
Non-interest income $ 289,000 $ 260,000 $ 824,000 $ 685,000