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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
INTEREST INCOME    
Interest and fees on loans $ 13,776 $ 12,276
Interest bearing deposits and short-term investments 67 57
Investment securities:    
Available for sale 1,825 1,770
Held to maturity 556 471
Total Interest Income 16,224 14,574
INTEREST EXPENSE    
Deposits 6,199 4,189
Short-term borrowings 484 494
Advances from Federal Home Loan Bank 504 82
Financing lease liabilities 27 24
Subordinated debt 263 263
Total Interest Expense 7,477 5,052
Net Interest Income 8,747 9,522
Provision (recovery) for credit losses (557) 1,179
Net Interest Income after Provision (Recovery) for Credit Losses 9,304 8,343
NON-INTEREST INCOME    
Non-interest income 4,058 3,485
Net gains on loans held for sale 10 26
Mortgage related fees 29 33
Gain on sale of Visa Class B shares   1,748
Bank owned life insurance 337 239
Other income 1,012 457
Total Non-Interest Income 4,947 5,507
NON-INTEREST EXPENSE    
Salaries and employee benefits 7,117 7,175
Net occupancy expense 791 772
Equipment expense 386 415
Professional fees 1,002 1,308
Data processing and IT expense 1,159 1,078
Supplies, postage and freight 165 179
Miscellaneous taxes and insurance 325 339
Federal deposit insurance expense 255 125
Other expense 664 572
Total Non-Interest Expense 11,864 11,963
PRETAX INCOME 2,387 1,887
Provision for income taxes 483 372
NET INCOME $ 1,904 $ 1,515
Basic:    
Net income $ 0.11 $ 0.09
Average number of shares outstanding 17,147 17,131
Diluted:    
Net income $ 0.11 $ 0.09
Average number of shares outstanding 17,147 17,155
Wealth management fees    
NON-INTEREST INCOME    
Non-interest income $ 3,266 $ 2,738
Service charges on deposit accounts    
NON-INTEREST INCOME    
Non-interest income $ 293 $ 266