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Consolidated Condensed Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net income $ 4,609 $ 1,915
Adjustments to reconcile net income to net cash flows from operating activities:    
Depreciation, amortization, and accretion 503 481
PROVISION FOR CREDIT LOSSES 197 125
Deferred income tax provision 506 44
Increase in cash surrender value of bank-owned life insurance (346) (318)
Realized and unrealized (gains) losses from equity securities, net (14) 10
Realized losses from sales of debt securities, available-for-sale 0 214
Impairment charge recognized on premises and equipment 73 0
Origination of mortgage loans for sale (27,577) (32,620)
Realized gains from sales of loans (841) (522)
Proceeds from sales of originated loans 27,876 22,429
Compensation expense related to restricted stock 284 315
Changes in:    
Accrued interest receivable (312) (710)
Other assets (48) (936)
Other liabilities (2,698) (2,368)
TOTAL ADJUSTMENTS (2,397) (13,856)
NET CASH FLOWS PROVIDED BY (USED IN) OPERATING ACTIVITIES 2,212 (11,941)
CASH FLOWS FROM INVESTING ACTIVITIES:    
Purchases of securities, equity securities (10) (8)
Proceeds from sales, available for-sale debt securities 0 9,615
Proceeds from maturities, prepayments and calls, available for-sale debt securities 7,012 4,624
Purchases of securities, available for-sale debt securities 0 (2,207)
Proceeds from maturities, prepayments and calls, held-to-maturity debt securities 116 112
Purchases of securities, held-to-maturity debt securities (1,377) 0
Purchase of Federal Reserve Bank stock 0 (688)
Purchases of Federal Home Loan Bank stock 0 (1,293)
Net decrease in loans 4,750 2,961
Purchases of premises and equipment (70) (858)
Funding of tax credit investments (608) (553)
NET CASH FLOWS PROVIDED BY INVESTING ACTIVITIES 9,813 11,705
CASH FLOWS FROM FINANCING ACTIVITIES:    
Net increase in customer deposits 43,357 34,104
Net decrease in short-term borrowings 0 (87,395)
Proceeds from issuance of long-term debt 0 50,000
Principal payments on long-term debt (50,516) (493)
Proceeds from issuance of common stock 148 130
Cash dividends paid on common stock (3,088) (2,882)
NET CASH FLOWS USED IN FINANCING ACTIVITIES (10,099) (6,536)
NET CHANGE IN CASH AND CASH EQUIVALENTS 1,926 (6,772)
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD 35,744 39,723
CASH AND CASH EQUIVALENTS AT END OF PERIOD 37,670 32,951
SUPPLEMENTAL CASH FLOW INFORMATION:    
Interest 9,675 10,312
SUPPLEMENTAL DISCLOSURE OF NONCASH INVESTING ACTIVITIES:    
Transfer from loans held-for-investment to loans held-for-sale 0 64,869
Transfer from premises and equipment to premises held-for-sale 525 0
Right-of-use assets obtained in exchange for new operating lease liabilities $ 318 $ 0