Income Taxes (Tables)

12 Months Ended

Dec. 31, 2019

Income Taxes [Abstract]

Schedule Of Deferred Tax Assets And Liabilities

	As of December 31,
(dollars in thousands)	2019		2018
Deferred tax assets:
Allowance for loan losses	$	2,047	$	2,047
Net unrealized losses on available-for-sale securities		-		291
Deferred interest from non-accrual assets		149		167
Operating lease liabilities		1,377		-
Other		556		697
Total		4,129		3,202
Deferred tax liabilities:
Net unrealized gains on available-for-sale securities		(958)		-
Loan fees and costs		(1,248)		(1,151)
Automobile leasing		(3,463)		(3,393)
Operating lease right-of-use assets		(1,265)		-
Depreciation		(685)		(416)
Mortgage loan servicing rights		(211)		(241)
Total		(7,830)		(5,201)
Deferred tax liability, net	$	(3,701)	$	(1,999)

Schedule Of Components Of Income Tax Expense Benefit

	Years ended December 31,
(dollars in thousands)	2019		2018		2017
Current	$	1,985	$	1,110	$	1,872
Deferred		341		1,019		(666)
Total provision for income taxes	$	2,326	$	2,129	$	1,206

Schedule Of Effective Income Tax Rate Reconciliation

	Years ended December 31,
(dollars in thousands)	2019		2018		2017
Expected provision at the statutory rate	$	2,919	$	2,758	$	3,373
Tax-exempt income		(592)		(567)		(845)
Bank owned life insurance		(136)		(126)		(198)
Nondeductible interest expense		37		18		19
Nondeductible other expenses and other, net		98		43		(59)
Tax rate change adjustment		-		3		(1,084)
Actual provision for income taxes	$	2,326	$	2,129	$	1,206