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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 6 Months Ended
Jun. 30, 2023
Jun. 30, 2022
Jun. 30, 2023
Jun. 30, 2022
INTEREST INCOME        
Interest and fees on loans $ 12,609 $ 9,725 $ 24,885 $ 19,221
Interest bearing deposits and short-term investments 73 64 130 82
Investment securities:        
Available for sale 1,722 1,304 3,492 2,427
Held to maturity 475 434 946 825
Total Interest Income 14,879 11,527 29,453 22,555
INTEREST EXPENSE        
Deposits 5,019 956 9,208 1,752
Short-term borrowings 335 3 829 3
Advances from Federal Home Loan Bank 128 156 210 332
Financing lease liabilities 24 25 48 51
Subordinated debt 263 263 526 526
Total Interest Expense 5,769 1,403 10,821 2,664
Net Interest Income 9,110 10,124 18,632 19,891
Provision (credit) for credit losses 43 (325) 1,222 (725)
Net Interest Income after Provision (Credit) for Credit Losses 9,067 10,449 17,410 20,616
NON-INTEREST INCOME        
Non-interest income 3,585 3,750 7,070 7,659
Net gains on loans held for sale 38 35 64 130
Mortgage related fees 34 32 67 65
Gain on sale of Visa Class B shares     1,748  
Bank owned life insurance 242 231 481 440
Other income 479 601 936 1,162
Total Non-Interest Income 3,862 4,138 9,369 8,473
NON-INTEREST EXPENSE        
Salaries and employee benefits 7,728 6,963 14,903 14,368
Net occupancy expense 713 697 1,485 1,438
Equipment expense 422 415 837 812
Professional fees 1,907 838 3,215 1,468
Data processing and IT expense 1,080 937 2,158 1,890
Supplies, postage and freight 164 144 343 309
Miscellaneous taxes and insurance 323 349 662 672
Federal deposit insurance expense 175 130 300 275
Other expense 665 1,637 1,237 2,357
Total Non-Interest Expense 13,177 12,110 25,140 23,589
PRETAX INCOME (LOSS) (248) 2,477 1,639 5,500
Provision (credit) for income taxes (61) 496 311 1,101
NET INCOME (LOSS) $ (187) $ 1,981 $ 1,328 $ 4,399
Basic:        
Net income (loss) $ (0.01) $ 0.12 $ 0.08 $ 0.26
Average number of shares outstanding 17,147 17,109 17,139 17,102
Diluted:        
Net income (loss) $ (0.01) $ 0.12 $ 0.08 $ 0.26
Average number of shares outstanding 17,147 17,149 17,148 17,148
Wealth management fees        
NON-INTEREST INCOME        
Non-interest income $ 2,789 $ 2,976 $ 5,527 $ 6,141
Service charges on deposit accounts        
NON-INTEREST INCOME        
Non-interest income $ 280 $ 263 $ 546 $ 535