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Consolidated Statements of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
INTEREST INCOME      
Interest and fees on loans $ 19,243 $ 18,554 $ 16,909
Interest and dividends on investment securities:      
Taxable interest 2,098 2,026 2,343
Nontaxable interest 1,922 1,814 1,716
Dividends 131 117 126
Other interest income 98 44 19
Total interest and dividend income 23,492 22,555 21,113
INTEREST EXPENSE      
Deposits 2,571 2,093 1,668
Short-term borrowings 7 7 4
Federal Home Loan Bank advances - short term 175 73 40
Federal Home Loan Bank advances - long term 299 633 804
Subordinated debt 138 112 91
Total interest expense 3,190 2,918 2,607
Net interest income 20,302 19,637 18,506
PROVISION FOR LOAN LOSSES (Note 3) 100 50 455
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES 20,202 19,587 18,051
NON-INTEREST INCOME      
Fees for customer services 2,241 2,103 2,019
Investment securities available-for-sale gains, net 7 466 75
Trading security losses, net   (47) (11)
Mortgage banking gains, net 1,074 1,248 785
Earnings on bank-owned life insurance 1,203 328 338
Wealth management 35 95 435
Other real estate gains 170 13  
Other non-interest income 436 391 268
Total non-interest income 5,166 4,597 3,909
NON-INTEREST EXPENSES      
Salaries and employee benefits 10,631 10,169 9,311
Net occupancy and equipment 2,331 2,151 2,019
State and local taxes 463 455 389
FDIC insurance 199 251 304
Professional fees 786 882 830
Advertising and marketing 478 527 454
Net losses from the extinguishment of debt   242  
Data processing fees 251 250 263
Other operating expenses 3,462 3,259 2,793
Total non-interest expenses 18,601 18,186 16,363
INCOME BEFORE FEDERAL INCOME TAX EXPENSE 6,767 5,998 5,597
Federal income tax expense (Note 10) 2,417 1,127 1,219
NET INCOME $ 4,350 $ 4,871 $ 4,378
EARNINGS PER SHARE BASIC AND DILUTED (Note 1) $ 0.99 $ 1.11 $ 0.97
CASH DIVIDENDS DECLARED PER SHARE $ 0.39 $ 0.28 $ 0.24