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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2018
Dec. 31, 2017
INTEREST AND DIVIDEND INCOME    
Loans including fees $ 26,375 $ 24,163
Federal funds sold 4 1
Interest-earning deposits with banks 379 192
Investments 1,559 1,496
Dividends on equity securities (restricted) 155 141
Total Interest and Dividend Income 28,472 25,993
INTEREST EXPENSE    
Deposits 3,344 2,469
Borrowed funds 921 744
Total Interest Expense 4,265 3,213
NET INTEREST INCOME 24,207 22,780
PROVISION FOR LOAN LOSSES 252 450
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 23,955 22,330
NONINTEREST INCOME    
Service charges and fees 3,703 3,774
Card Processing and interchange income 2,809 2,590
Gain on sale and leaseback transactions [1] 2,619
Insurance and investment fees 603 212
Other noninterest income 492 641
Total Noninterest Income 7,607 9,836
NONINTEREST EXPENSES    
Salaries and employee benefits 14,203 13,515
Occupancy and equipment expenses 5,156 4,748
Data processing and telecommunications 2,749 2,506
Other operating expenses 8,386 8,159
Total Noninterest Expenses 30,494 28,928
INCOME BEFORE INCOME TAXES 1,068 3,238
INCOME TAX EXPENSE 149 144
NET INCOME $ 919 $ 3,094
Income Per Share    
Basic and Diluted (in dollars per share) $ 0.04 $ 0.13
Average Weighted Shares of Common Stock    
Basic and Diluted (in shares) 23,922,086 23,472,012
[1] Not within the scope of ASU 2014-9