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CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2022
Mar. 31, 2021
Interest and dividend income:    
Loans $ 9,657 $ 9,237
Due from banks interest bearing accounts 166 148
Investment securities    
Taxable 1,728 1,486
Non-taxable 178 143
Other earning assets 118 82
Total interest and dividend income 11,847 11,096
Interest expense:    
Deposits 209 224
Total interest expense 209 224
Net interest income 11,638 10,872
Provision for loan losses 300 300
Net interest income after provision for loan losses 11,338 10,572
Non-interest income:    
Service charges on deposit accounts 443 360
Gains on sales of loans held-for-sale 68 639
Investment and brokerage services income 161 144
Loan servicing income 384 355
Debit card income 623 599
Losses on sales/calls of available-for-sale securities 0 (10)
Other income 239 203
Total non-interest income 1,918 2,290
Non-interest expenses:    
Salaries and employee benefits 5,683 5,639
Occupancy and equipment 866 827
Data processing 839 791
Stationery and supplies 64 57
Advertising 103 66
Directors' fees 63 38
Other expense 1,484 1,083
Total non-interest expenses 9,102 8,501
Income before provision for income taxes 4,154 4,361
Provision for income taxes 1,113 1,183
Net income $ 3,041 $ 3,178
Basic earnings per common share (in dollars per share) $ 0.22 $ 0.22
Diluted earnings per common share (in dollars per share) $ 0.22 $ 0.22