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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
INTEREST INCOME        
Interest and fees on loans $ 13,154 $ 10,691 $ 38,039 $ 29,912
Interest bearing deposits and short-term investments 56 72 186 154
Investment securities:        
Available for sale 1,745 1,490 5,237 3,917
Held to maturity 484 447 1,430 1,272
Total Interest Income 15,439 12,700 44,892 35,255
INTEREST EXPENSE        
Deposits 5,653 1,720 14,861 3,472
Short-term borrowings 512 36 1,341 39
Advances from Federal Home Loan Bank 188 127 398 459
Financing lease liabilities 24 25 72 76
Subordinated debt 263 263 789 789
Total Interest Expense 6,640 2,171 17,461 4,835
Net Interest Income 8,799 10,529 27,431 30,420
Provision (credit) for credit losses 189 500 1,411 (225)
Net Interest Income after Provision (Credit) for Credit Losses 8,610 10,029 26,020 30,645
NON-INTEREST INCOME        
Non-interest income 3,710 3,640 10,780 11,299
Net gains on loans held for sale 59 53 123 183
Mortgage related fees 41 27 108 92
Gain on sale of Visa Class B shares     1,748  
Bank owned life insurance 321 329 802 769
Other income 679 815 1,615 1,977
Total Non-Interest Income 4,256 4,326 13,625 12,799
NON-INTEREST EXPENSE        
Salaries and employee benefits 7,358 7,071 22,261 21,439
Net occupancy expense 719 698 2,204 2,136
Equipment expense 376 393 1,213 1,205
Professional fees 1,146 948 4,361 2,416
Data processing and IT expense 1,139 1,036 3,297 2,926
Supplies, postage and freight 144 172 487 481
Miscellaneous taxes and insurance 321 350 983 1,022
Federal deposit insurance expense 195 125 495 400
Other expense 697 934 1,934 3,291
Total Non-Interest Expense 12,095 11,727 37,235 35,316
PRETAX INCOME 771 2,628 2,410 8,128
Provision for income taxes 124 526 435 1,627
NET INCOME $ 647 $ 2,102 $ 1,975 $ 6,501
Basic:        
Net income $ 0.04 $ 0.12 $ 0.12 $ 0.38
Average number of shares outstanding 17,147 17,111 17,142 17,105
Diluted:        
Net income $ 0.04 $ 0.12 $ 0.12 $ 0.38
Average number of shares outstanding 17,147 17,145 17,146 17,146
Wealth management fees        
NON-INTEREST INCOME        
Non-interest income $ 2,845 $ 2,813 $ 8,372 $ 8,954
Service charges on deposit accounts        
NON-INTEREST INCOME        
Non-interest income $ 311 $ 289 $ 857 $ 824