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Consolidated Statements of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
Dec. 31, 2014
INTEREST INCOME      
Interest and fees on loans $ 18,554 $ 16,909 $ 16,120
Interest and dividends on investment securities:      
Taxable interest 2,026 2,343 2,677
Nontaxable interest 1,814 1,716 1,721
Dividends 117 126 126
Other interest income 44 19 21
Total interest income 22,555 21,113 20,665
INTEREST EXPENSE      
Deposits 2,093 1,668 1,694
Short-term borrowings 7 4 3
Federal Home Loan Bank advances - short term 73 40 156
Federal Home Loan Bank advances - long term 633 804 943
Subordinated debt 112 91 88
Total interest expense 2,918 2,607 2,884
Net interest income 19,637 18,506 17,781
PROVISION FOR LOAN LOSSES (Note 3) 50 455 1,638
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 19,587 18,051 16,143
NON-INTEREST INCOME      
Fees for customer services 2,103 2,019 2,007
Investment securities available-for-sale gains, net 466 75 588
Trading security (losses) gains, net (47) (11) 327
Mortgage banking gains, net 1,248 785 440
Earnings on bank-owned life insurance 328 338 336
Wealth management income 95 435 313
Other non-interest income 404 268 116
Total non-interest income 4,597 3,909 4,127
NON-INTEREST EXPENSES      
Salaries and employee benefits 10,169 9,311 9,147
Net occupancy and equipment 2,151 2,019 1,912
State and local taxes 455 389 341
FDIC insurance 251 304 309
Professional fees 882 830 815
Advertising and marketing 527 454 277
Net losses from the extinguishment of debt 242    
Data processing fees 250 263 200
Other operating expenses 3,259 2,793 2,498
Total non-interest expenses 18,186 16,363 15,499
INCOME BEFORE FEDERAL INCOME TAX EXPENSE 5,998 5,597 4,771
Federal income tax expense (Note 10) 1,127 1,219 902
NET INCOME $ 4,871 $ 4,378 $ 3,869
EARNINGS PER SHARE BASIC AND DILUTED (Note 1) $ 1.11 $ 0.97 $ 0.85
CASH DIVIDENDS DECLARED PER SHARE $ 0.28 $ 0.24 $ 0.18