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Consolidated Statements of Income - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Dec. 31, 2019
INTEREST AND DIVIDEND INCOME      
Loans, including fees $ 26,124 $ 28,354 $ 28,553
Taxable securities 2,613 1,882 2,247
Nontaxable securities 455 464 532
Other 337 366 1,129
Total interest and dividend income 29,529 31,066 32,461
INTEREST EXPENSE      
Deposits 1,884 2,723 3,609
Short-term borrowings 53 89 317
Other borrowings 75 101 136
Total interest expense 2,012 2,913 4,062
NET INTEREST INCOME 27,517 28,153 28,399
PROVISION (RECOVERY) FOR LOAN LOSSES (655) 1,650 1,140
Net interest income, after provision (recovery) for loan losses 28,172 26,503 27,259
NONINTEREST INCOME      
Gain on sale of loans, net 1,449 1,951 462
Earnings on bank owned life insurance 619 522 446
Unrealized gain (loss) on equity securities 28 (4) 9
Other income 1,181 906 879
Total noninterest income 7,325 6,935 5,428
NONINTEREST EXPENSES      
Salaries and employee benefits 12,599 11,707 11,663
Occupancy expense 1,033 953 832
Equipment expense 714 657 571
Professional and director fees 1,184 1,284 1,332
Financial institutions and franchise tax 765 684 612
Marketing and public relations 461 398 535
Software expense 1,342 1,101 938
Debit card expense 710 621 554
Amortization of intangible assets 44 60 63
FDIC insurance expense 478 203 98
Other expenses 2,763 2,674 2,571
Total noninterest expenses 22,093 20,342 19,769
INCOME BEFORE INCOME TAXES 13,404 13,096 12,918
FEDERAL INCOME TAX PROVISION 2,567 2,528 2,504
NET INCOME $ 10,837 $ 10,568 $ 10,414
EARNING PER SHARE      
Basic and diluted $ 3.97 $ 3.85 $ 3.80
Deposit Account [Member]      
NONINTEREST INCOME      
Noninterest income $ 939 $ 1,003 $ 1,252
Fiduciary and Trust [Member]      
NONINTEREST INCOME      
Noninterest income 1,059 896 899
Debit Card [Member]      
NONINTEREST INCOME      
Noninterest income $ 2,050 $ 1,661 $ 1,481