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Consolidated Statements of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Interest and dividend income:    
Loans, including fees $ 21,060 $ 20,060
Taxable securities 4,115 3,040
Tax-exempt securities 147 393
Other interest income 292 158
Total interest income 25,614 23,651
Interest expense:    
Deposits 3,706 3,068
Short-term borrowings and repurchase agreements 61 252
Long-term debt 899 276
Other interest bearing liabilities 42 39
Total interest expense 4,708 3,635
Net interest income 20,906 20,016
Provision for loan losses (573) 337
Net interest income after provision for loan losses 21,479 19,679
Non-interest income:    
Earnings on bank-owned life insurance and annuities 289 352
Income/gain from unconsolidated subsidiary   296
Gain (loss) on sales and calls of securities (43) (188)
Change in value of equity securities 26 (1)
Other non-interest income 344 334
Total non-interest income 4,749 5,027
Non-interest expense:    
Employee compensation expense 8,257 7,822
Employee benefits 3,594 2,458
Occupancy 1,296 1,217
Equipment 881 818
Data processing expense 2,114 1,924
Director compensation 206 215
Professional fees 961 640
Taxes, other than income 567 498
FDIC Insurance premiums 108 274
Loss (gain) on sales of other real estate owned (208) (60)
Amortization of intangible assets 87 79
Amortization of investment in low income housing partnerships 792 800
Merger and acquisition expense   884
Other non-interest expense 1,752 1,892
Total non-interest expense 20,407 19,461
Income before income taxes 5,821 5,245
Income tax provision (benefit) (14) (659)
Net income $ 5,835 $ 5,904
Earnings per share    
Basic $ 1.14 $ 1.18
Diluted $ 1.14 $ 1.18
Customer Service Fees [Member]    
Non-interest income:    
Non-interest income $ 1,717 $ 1,779
Debit Card fee Income [Member]    
Non-interest income:    
Non-interest income 1,349 1,280
Trust Fees [Member]    
Non-interest income:    
Non-interest income 394 430
Commissions from Sales of Non-Deposit Products [Member]    
Non-interest income:    
Non-interest income 272 259
Fees Derived From Loan Activity [Member]    
Non-interest income:    
Non-interest income 333 416
Mortgage Banking Income [Member]    
Non-interest income:    
Non-interest income $ 68 $ 70