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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2020
Mar. 31, 2019
Interest and dividend income:    
Loans, including fees $ 10,873 $ 11,912
Securities    
Taxable 597 618
Tax exempt 73 84
Dividends 66 113
Interest-bearing deposits with banks 162 319
Other Interest 14 12
Interest and Dividend Income, Operating, Total 11,785 13,058
Interest expense:    
Deposits 1,509 1,342
Other borrowed funds 200 235
Subordinated debentures 72 94
Interest Expense, Total 1,781 1,671
Net interest income 10,004 11,387
Provision for loan losses 3,846 2,377
Net interest income after provision for loan losses 6,158 9,010
Noninterest income:    
Income from bank owned life insurance and annuity assets 217 178
Debit / credit card interchange income 943 914
Loss on other real estate owned (101)
Tax preparation fees 615
Litigation settlement 2,000
Other 117 118
Noninterest Income, Total 4,442 1,846
Noninterest expense:    
Salaries and employee benefits 5,455 5,536
Occupancy 432 453
Furniture and equipment 262 263
Professional fees 598 672
Marketing expense 268 270
FDIC insurance 3
Data processing 599 535
Software 381 411
Foreclosed assets 43 106
Amortization of intangibles 17 31
Other 1,464 1,288
Noninterest Expense, Total 9,519 9,568
Income before income taxes 1,081 1,288
Provision for income taxes 79 95
NET INCOME $ 1,002 $ 1,193
Earnings per share (in dollars per share) $ 0.21 $ 0.25
Deposit Account [Member]    
Noninterest income:    
Revenue from Contract with Customer $ 493 $ 503
Fiduciary and Trust [Member]    
Noninterest income:    
Revenue from Contract with Customer 68 64
Mortgage Banking [Member]    
Noninterest income:    
Revenue from Contract with Customer $ 90 $ 69