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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 12 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
Interest and fees on loans      
Taxable $ 51,539 $ 41,413 $ 40,496
Tax exempt 89 71 89
Interest bearing deposits and short-term investments 251 209 60
Investment securities:      
Available for sale 7,059 5,610 4,543
Held to maturity 1,922 1,755 1,481
Total Interest Income 60,860 49,058 46,669
INTEREST EXPENSE      
Deposits 21,014 6,424 4,806
Short-term borrowings 1,944 364 1
Advances from Federal Home Loan Bank 731 553 875
Financing lease liabilities 97 100 106
Guaranteed junior subordinated deferrable interest debentures     944
Subordinated debt 1,054 1,054 854
Total Interest Expense 24,840 8,495 7,586
Net Interest Income 36,020 40,563 39,083
Provision for credit losses 7,429 50 1,100
Net Interest Income after Provision for Credit Losses 28,591 40,513 37,983
NON-INTEREST INCOME      
Non-interest income 14,493 14,737 14,968
Net gains on loans held for sale 169 208 664
Mortgage related fees 131 115 358
Net realized gains (losses) on investment securities (922)   84
Gain on sale of Visa Class B shares 1,748    
Bank owned life insurance 1,047 1,089 1,117
Other income 1,787 2,552 2,587
Total Non-Interest Income 16,389 16,692 17,761
NON-INTEREST EXPENSE      
Salaries and employee benefits 29,628 28,492 27,847
Net occupancy expense 2,917 2,883 2,620
Equipment expense 1,623 1,636 1,582
Professional fees 5,317 3,210 2,872
Data processing and IT expense 4,430 3,945 3,666
Supplies, postage and freight 668 651 668
Miscellaneous taxes and insurance 1,301 1,373 1,236
Federal deposit insurance expense 715 515 655
Branch acquisition costs     389
Other expense 2,769 5,299 5,435
Total Non-Interest Expense 49,368 48,004 46,970
PRETAX INCOME (LOSS) (4,388) 9,201 8,774
Provision (benefit) for income taxes (1,042) 1,753 1,702
NET INCOME (LOSS) $ (3,346) $ 7,448 $ 7,072
Basic:      
Net income (loss) $ (0.20) $ 0.44 $ 0.41
Average number of shares outstanding 17,143 17,107 17,073
Diluted:      
Net income (loss) $ (0.20) $ 0.43 $ 0.41
Average number of shares outstanding 17,144 17,146 17,114
Cash dividends declared (in $ per share) $ 0.120 $ 0.115 $ 0.100
Wealth management fees      
NON-INTEREST INCOME      
Non-interest income $ 11,266 $ 11,620 $ 11,986
Service charges on deposit accounts      
NON-INTEREST INCOME      
Non-interest income $ 1,163 $ 1,108 $ 965