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Statements of Cash Flows - USD ($)
3 Months Ended
Mar. 31, 2017
Mar. 31, 2016
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 115,000 $ 698,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation 638,000 551,000
Income on life insurance (27,000) (30,000)
Gain on sale of securities available-for-sale (105,000)
Gain on sale of premises and equipment (1,000)
Gain on sale of foreclosed assets (24,000) (43,000)
Adjustment of carrying value of foreclosed real estate 176,000 (4,000)
Accretion of bond premiums/discounts 201,000 253,000
Deferred tax benefit (70,000)
Net change in:    
Interest receivable 114,000 22,000
Other assets 77,000 (1,407,000)
Accrued interest payable 11,000 (1,000)
Accrued expenses and other liabilities 60,000 2,518,000
Net Cash Provided by Operating Activities 1,340,000 2,382,000
CASH FLOWS FROM INVESTING ACTIVITIES    
Net increase in loans (8,777,000) (10,233,000)
Purchase of securities available-for-sale (6,564,000) (100,000)
Proceeds from sale and maturities of securities available-for-sale 4,453,000 17,564,000
Net sale (purchase) of equity securities (restricted) 217,000 (314,000)
Payments for the purchase of premises and equipment (593,000) (3,215,000)
Proceeds from sale of premises and equipment 4,000
Proceeds from sales of other real estate owned 1,154,000 68,000
Net Cash Provided by (Used in) Investing Activities (10,106,000) 3,770,000
CASH FLOWS FROM FINANCING ACTIVITIES    
Exercise of common stock warrants 1,000
Net increase (decrease) in Federal Home Loan Bank advances (5,300,000) 9,700,000
Net change in:    
Demand deposits 8,837,000 10,696,000
Savings deposits 8,911,000 (7,816,000)
Time deposits 565,000 (5,683,000)
Net Cash Provided by (Used in) Financing Activities 13,014,000 6,897,000
Net increase in cash and cash equivalents 4,248,000 13,049,000
Cash and Cash Equivalents, Beginning of the Year 35,448,000 26,338,000
Cash and Cash Equivalents, End of the Year 39,696,000 39,387,000
Supplemental Disclosure of Cash Paid During the Year for:    
Interest 713,000 632,000
Taxes 70,000
Supplemental Disclosure of Non Cash Transactions:    
Other real estate acquired in settlement of foreclosed loans 1,624,000 1,063,000
Loans made to finance sale of foreclosed real estate 812,000 244,000
Change in unrealized gains (losses) on securities available-for-sale $ 89,000 $ 680,000