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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended
Mar. 31, 2023
Mar. 31, 2022
INTEREST INCOME    
Interest and fees on loans $ 12,276 $ 9,496
Interest bearing deposits and short-term investments 57 18
Investment securities:    
Available for sale 1,770 1,123
Held to maturity 471 391
Total Interest Income 14,574 11,028
INTEREST EXPENSE    
Deposits 4,189 796
Short-term borrowings 494  
Advances from Federal Home Loan Bank 82 176
Financing lease liabilities 24 26
Subordinated debt 263 263
Total Interest Expense 5,052 1,261
Net Interest Income 9,522 9,767
Provision (credit) for credit losses 1,179 (400)
Net Interest Income after Provision (Credit) for Credit Losses 8,343 10,167
NON-INTEREST INCOME    
Non-interest income 3,485 3,909
Net gains on loans held for sale 26 95
Mortgage related fees 33 33
Gain on sale of Visa Class B shares 1,748  
Bank owned life insurance 239 209
Other income 457 561
Total Non-Interest Income 5,507 4,335
NON-INTEREST EXPENSE    
Salaries and employee benefits 7,175 7,405
Net occupancy expense 772 741
Equipment expense 415 397
Professional fees 1,308 630
Data processing and IT expense 1,078 953
Supplies, postage and freight 179 165
Miscellaneous taxes and insurance 339 323
Federal deposit insurance expense 125 145
Other expense 572 720
Total Non-Interest Expense 11,963 11,479
PRETAX INCOME 1,887 3,023
Provision for income taxes 372 605
NET INCOME $ 1,515 $ 2,418
Basic:    
Net income $ 0.09 $ 0.14
Average number of shares outstanding 17,131 17,094
Diluted:    
Net income $ 0.09 $ 0.14
Average number of shares outstanding 17,155 17,146
Wealth management fees    
NON-INTEREST INCOME    
Non-interest income $ 2,738 $ 3,165
Service charges on deposit accounts    
NON-INTEREST INCOME    
Non-interest income $ 266 $ 272