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Consolidated Statements of Operations - USD ($)
shares in Thousands, $ in Thousands
12 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Interest and dividend income:    
Loans, including fees $ 15,305 $ 14,997
Securities, taxable 1,588 1,711
Other 342 45
Total interest and dividend income 17,235 16,753
Interest expense:    
Interest-bearing deposits 4,642 3,691
Borrowed funds 291 542
Total interest expense 4,933 4,233
Net interest income 12,302 12,520
Provision (credit) for loan losses (1,032)  
Net interest income after provision for loan losses 13,334 12,520
Noninterest income:    
Service charges and other fees 856 875
Loan servicing 948 707
Net gain on sale of loans 715 707
Net gain on sale of securities   67
Increase in cash value of insurance 399 404
Death benefit gain 158 120
Net gain on sale of foreclosed assets 84  
Other 68 59
Total noninterest income 3,228 2,939
Noninterest expense:    
Salaries and employee benefits 9,571 9,505
Advertising and promotions 199 121
Data processing 795 744
Occupancy and equipment 1,726 1,646
FDIC assessment 84 388
Other 3,747 3,251
Total noninterest expense 16,122 15,655
Income (loss) before income taxes 440 (196)
Credit for income taxes (9) (177)
Net income (loss) $ 449 $ (19)
Earnings per share:    
Basic $ 0.10  
Diluted $ 0.10  
Average common shares outstanding:    
Basic 4,703,782  
Diluted 4,703,782