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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2019
Mar. 31, 2018
INTEREST INCOME    
Interest and fees on loans $ 3,189 $ 2,872
Interest and dividends on securities 400 524
Interest on deposits with banks and federal funds sold 120 48
Total Interest Income 3,709 3,444
INTEREST EXPENSE    
Interest on deposits 332 309
Interest on short-term borrowings 238 143
Total Interest Expense 570 452
Net Interest Income 3,139 2,992
Provision for loan losses 173 360
Net interest income after provision for loan losses 2,966 2,632
NONINTEREST INCOME    
Gains on redemption of BOLI policies   207
Gain on securities sold 3  
Income on life insurance 40 44
Total Noninterest Income 282 486
NONINTEREST EXPENSE    
Salary and employee benefits 1,770 1,721
Occupancy and equipment expenses 314 305
Legal, accounting and other professional fees 232 262
Data processing and item processing services 176 132
FDIC insurance costs 56 58
Advertising and marketing related expenses 27 17
Loan collection costs 13 41
Telephone costs 66 57
Other expenses 423 242
Total Noninterest Expenses 3,077 2,835
Income before income taxes 171 283
Income tax expense 36 28
NET INCOME $ 135 $ 255
Basic and diluted net income per share of common stock (in dollars per share) $ 0.05 $ 0.09
Service charges on deposit accounts    
NONINTEREST INCOME    
Noninterest Income $ 61 $ 67
Other fees and commissions    
NONINTEREST INCOME    
Noninterest Income $ 178 $ 168