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Consolidated Statements of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
INTEREST INCOME    
Loans, including fees $ 16,388 $ 15,202
Securities:    
Taxable 904 571
Tax-exempt 496 394
Federal funds sold 4 1
Interest-bearing deposit accounts 61 33
Certificates of deposit 83 52
Total interest income 17,936 16,253
INTEREST EXPENSE    
Deposits 2,562 2,385
Federal funds purchased 2 6
Securities sold under repurchase agreements 15 12
Subordinated debt 472 279
FHLB advances 474 352
Total interest expense 3,525 3,034
Net interest income 14,411 13,219
Provision for loan losses 287 1,597
Net interest income after provision for loan losses 14,124 11,622
NON-INTEREST INCOME    
Income from fiduciary activities 967 798
Service charges and fees on deposit accounts 890 917
VISA-related fees 168 217
Non-deposit product income 357 369
Other service charges and fees 611 553
Secondary market lending fees 765 551
Bank owned life insurance income 274 247
Net gains on sale of securities available for sale 435 42
Other real estate losses (127) (395)
Net (losses) gains on the disposal of fixed assets   (6)
Other income 270 66
Total non-interest income 4,610 3,359
NON-INTEREST EXPENSES    
Salaries and employee benefits 7,799 8,001
Occupancy expense 1,793 1,819
Software maintenance 671 631
Bank franchise tax 295 219
VISA expense 100 135
Telephone expense 125 136
FDIC assessments 366 301
Foreclosure property expense 93 68
Consulting expense 282 303
Merger related expenses 575  
Other expense 3,134 3,189
Total non-interest expenses 15,233 14,802
Income before income taxes 3,501 179
Income tax (benefit) expense 966 (187)
Net income $ 2,535 $ 366
Basic Earnings Per Share    
Average basic shares outstanding 4,774,856 4,791,722
Earnings per share, basic $ 0.53 $ 0.08
Diluted Earnings Per Share    
Average diluted shares outstanding 4,799,946 4,805,318
Earnings per share, diluted $ 0.53 $ 0.08