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CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Sep. 30, 2024
Sep. 30, 2023
INTEREST INCOME        
Interest and fees on loans $ 14,301 $ 13,154 $ 42,080 $ 38,039
Interest bearing deposits and short-term investments 55 56 183 186
Investment securities:        
Available for sale 1,765 1,745 5,465 5,237
Held to maturity 587 484 1,714 1,430
Total Interest Income 16,708 15,439 49,442 44,892
INTEREST EXPENSE        
Deposits 6,515 5,653 19,103 14,861
Short-term borrowings 417 512 1,308 1,341
Advances from Federal Home Loan Bank 600 188 1,652 398
Financing lease liabilities 26 24 81 72
Subordinated debt 263 263 789 789
Total Interest Expense 7,821 6,640 22,933 17,461
Net Interest Income 8,887 8,799 26,509 27,431
(Recovery) provision for credit losses (51) 189 (174) 1,411
Net Interest Income after (Recovery) Provision for Credit Losses 8,938 8,610 26,683 26,020
NON-INTEREST INCOME        
Non-interest income 3,879 3,710 11,811 10,780
Net gains on loans held for sale 55 59 124 123
Mortgage related fees 30 41 107 108
Gain on sale of Visa Class B shares       1,748
Bank owned life insurance 244 321 821 802
Other income 520 679 2,205 1,615
Total Non-Interest Income 4,203 4,256 13,522 13,625
NON-INTEREST EXPENSE        
Salaries and employee benefits 7,122 7,358 21,347 22,261
Net occupancy expense 706 719 2,227 2,204
Equipment expense 371 376 1,148 1,213
Professional fees 792 1,146 3,888 4,361
Data processing and IT expense 1,287 1,139 3,588 3,297
Supplies, postage and freight 163 144 474 487
Miscellaneous taxes and insurance 339 321 999 983
Federal deposit insurance expense 255 195 760 495
Other expense 686 697 2,451 1,934
Total Non-Interest Expense 11,721 12,095 36,882 37,235
PRETAX INCOME 1,420 771 3,323 2,410
Provision for income taxes 237 124 611 435
NET INCOME $ 1,183 $ 647 $ 2,712 $ 1,975
Basic:        
Net income (in dollars per share) $ 0.07 $ 0.04 $ 0.16 $ 0.12
Average number of shares outstanding (in shares) 16,519 17,147 16,897 17,142
Diluted:        
Net income (in dollars per share) $ 0.07 $ 0.04 $ 0.16 $ 0.12
Average number of shares outstanding (in shares) 16,519 17,147 16,897 17,146
Wealth management fees        
NON-INTEREST INCOME        
Non-interest income $ 3,050 $ 2,845 $ 9,375 $ 8,372
Service charges on deposit accounts        
NON-INTEREST INCOME        
Non-interest income $ 304 $ 311 $ 890 $ 857