Consolidated Statements of Net Income (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Interest and dividend income:
Loans receivable, including fees	$ 7,612,000	$ 8,295,000
Securities:
Taxable	695,000	501,000
Exempt from federal income tax	285,000	202,000
Federal bank stocks	71,000	69,000
Interest earning deposits with banks	4,000	31,000
Total interest and dividend income	8,667,000	9,098,000
Interest expense:
Deposits	822,000	1,267,000
Borrowed funds	105,000	179,000
Total interest expense	927,000	1,446,000
Net interest income	7,740,000	7,652,000
Provision for (recovery of) loan losses	(80,000)	275,000
Net interest income after provision for loan losses	7,820,000	7,377,000
Noninterest income:
Fees and service charges	401,000	326,000
Net realized gain on sales of securities	9,000	26,000
Net gain (loss) on sales of loans	(3,000)	102,000
Earnings on bank-owned life insurance	139,000	95,000
Other	461,000	503,000
Total noninterest income	1,007,000	1,052,000
Noninterest expense:
Compensation and employee benefits	2,893,000	3,023,000
Premises and equipment	848,000	862,000
Intangible asset amortization	38,000	39,000
Professional fees	482,000	270,000
Federal deposit insurance	149,000	157,000
Other	1,463,000	1,463,000
Total noninterest expense	5,873,000	5,814,000
Income before provision for income taxes	2,954,000	2,615,000
Provision for income taxes	518,000	441,000
Net income	$ 2,436,000	$ 2,174,000
Basic earnings per common share (in dollars per share)	$ 0.89	$ 0.80
Diluted earnings per common share (in dollars per share)	$ 0.88	$ 0.79
Average common shares outstanding - basic (in shares)	2,735,212	2,721,212
Average common shares outstanding - diluted (in shares)	2,757,354	2,740,189