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Consolidated Statements of Operations - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2019
Dec. 31, 2018
INTEREST INCOME    
Loans, including fees $ 46,998 $ 40,752
Securities:    
Taxable 2,298 1,961
Tax-exempt 425 475
Federal funds sold 43 17
Interest-bearing deposit accounts 581 528
Certificates of deposit 73 70
Total interest income 50,418 43,803
INTEREST EXPENSE    
Deposits 12,075 7,992
Securities sold under repurchase agreements 14 13
Subordinated notes and other borrowings 911 513
Federal Home Loan Bank advances 2,085 1,707
Total interest expense 15,085 10,225
Net interest income 35,333 33,578
Provision for loan losses 1,182 1,351
Net interest income after provision for loan losses 34,151 32,227
NONINTEREST INCOME    
Secondary market sales and servicing 941 659
Increase in cash surrender value of bank owned life insurance 481 497
Net losses on sale of available-for-sale securities (1)  
Net losses on disposition of other assets (3) (7)
Gain (loss) on rabbi trust assets 192 (138)
Gain on curtailment of post-retirement benefit plan   352
Other 80 165
Total noninterest income 4,958 4,303
NONINTEREST EXPENSES    
Salaries and employee benefits 15,597 16,233
Occupancy 3,319 3,528
Data processing 2,221 2,436
Bank franchise tax 864 726
Telecommunications and other technology 1,087 831
FDIC assessments 483 719
Foreclosed property 145 175
Consulting 526 1,068
Advertising and marketing 384 439
Directors’ fees 678 561
Audit and accounting 822 1,129
Legal 199 500
Merger-related   363
Core deposit intangible amortization 674 798
Net OREO losses (gains) and valuation adjustments 460 (107)
Other 2,943 2,720
Total noninterest expenses 30,402 32,119
Income before income taxes 8,707 4,411
Income tax expense 1,649 533
Net income $ 7,058 $ 3,878
Basic and diluted earnings per share $ 0.54 $ 0.30
Trust Management    
NONINTEREST INCOME    
Non-Interest Income $ 830 $ 710
Service Charges and Fees on Deposit Accounts    
NONINTEREST INCOME    
Non-Interest Income 977 768
Wealth Management    
NONINTEREST INCOME    
Non-Interest Income 908 842
Interchange Fees, Net    
NONINTEREST INCOME    
Non-Interest Income 438 339
Other Service Charges and Fees    
NONINTEREST INCOME    
Non-Interest Income $ 115 $ 116