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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 $ 45,766 $ 44,365 $ 42,182
Securities:      
Taxable 2,542 2,377 2,116
Tax exempt 344 369 411
Dividends 393 440 392
Interest-bearing deposits with banks 1,221 1,608 582
Other interest 51 38 25
50,317 49,197 45,708
Interest expense:      
Deposits 6,026 4,155 2,843
Other borrowed funds 883 986 884
Subordinated debentures 356 330 248
7,265 5,471 3,975
Net interest income 43,052 43,726 41,733
Provision for loan losses 1,000 1,039 2,564
Net interest income after provision for loan losses 42,052 42,687 39,169
Noninterest income:      
Income from bank owned life insurance and annuity assets 704 717 1,226
Electronic refund check / deposit fees 5 1,579 1,692
Debit / credit card interchange income 3,905 3,662 3,376
Loss on other real estate owned (65) (559) (189)
Net gain on branch divestitures 1,256
Other 669 850 688
9,166 8,938 9,435
Noninterest expense:      
Salaries and employee benefits 23,524 22,191 20,809
Occupancy 1,771 1,754 1,770
Furniture and equipment 1,060 1,023 1,049
Professional fees 2,508 2,016 1,792
Marketing expense 841 777 1,034
FDIC insurance 113 447 465
Data processing 1,996 2,115 2,081
Software 1,705 1,533 1,486
Foreclosed assets 266 238 499
Amortization of intangibles 206 135 156
Other 5,508 5,197 5,468
39,498 37,426 36,609
Income before income taxes 11,720 14,199 11,995
Provision for income taxes 1,813 2,255 4,486
NET INCOME $ 9,907 $ 11,944 $ 7,509
Earnings per share (in dollars per share) $ 2.08 $ 2.53 $ 1.60
Deposit Account [Member]      
Noninterest income:      
Revenue from Contract with Customer $ 2,118 $ 2,084 $ 2,137
Fiduciary and Trust [Member]      
Noninterest income:      
Revenue from Contract with Customer 264 263 240
Mortgage Banking [Member]      
Noninterest income:      
Revenue from Contract with Customer $ 310 $ 342 $ 265