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Consolidated Statements of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2017
INTEREST AND DIVIDEND INCOME      
Loans, including fees $ 28,553 $ 26,237 $ 23,097
Taxable securities 2,247 2,371 2,374
Nontaxable securities 532 608 680
Other 1,129 421 289
Total interest and dividend income 32,461 29,637 26,440
INTEREST EXPENSE      
Deposits 3,609 2,372 1,344
Short-term borrowings 317 333 149
Other borrowings 136 181 495
Total interest expense 4,062 2,886 1,988
NET INTEREST INCOME 28,399 26,751 24,452
Provision for loan losses 1,140 1,316 1,145
Net interest income, after provision for loan losses 27,259 25,435 23,307
NONINTEREST INCOME      
Gain on sale of loans, net 462 307 296
Earnings on bank owned life insurance 446 336 357
Unrealized gain (loss) on equity securities 9 (6)  
Other income 879 760 674
Total noninterest income 5,428 4,758 4,340
NONINTEREST EXPENSES      
Salaries and employee benefits 11,663 10,895 10,009
Occupancy expense 832 833 869
Equipment expense 571 597 665
Professional and director fees 1,332 1,029 963
Financial institutions and franchise tax 612 564 523
Marketing and public relations 535 508 401
Software expense 938 893 879
Debit card expense 554 537 535
Amortization of intangible assets 63 101 116
FDIC insurance expense 98 276 225
Other expenses 2,571 2,285 2,131
Total noninterest expenses 19,769 18,518 17,316
INCOME BEFORE INCOME TAXES 12,918 11,675 10,331
FEDERAL INCOME TAX PROVISION 2,504 2,263 3,230
NET INCOME $ 10,414 $ 9,412 $ 7,101
EARNING PER SHARE      
Basic and diluted $ 3.80 $ 3.43 $ 2.59
Deposit Account [Member]      
NONINTEREST INCOME      
Noninterest income $ 1,252 $ 1,182 $ 1,133
Fiduciary and Trust [Member]      
NONINTEREST INCOME      
Noninterest income 899 863 687
Debit Card [Member]      
NONINTEREST INCOME      
Noninterest income $ 1,481 $ 1,316 $ 1,193