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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 8,204 $ 7,184
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 1,572 1,614
Provision for credit losses 625 649
Net gain on sale of available-for-sale securities (4)
Income on bank owned life insurance (73) (40)
Gain on sale of mortgage loans (9) (4)
Gain on sale or disposal of premises and equipment (21) (46)
(Gain) loss on sale and writedowns of foreclosed real estate (74) 96
Loss on settlement of bank owned life insurance 49
Income on bank owned lifer insurance death benefit (1,565)
Loans originated for sale (329) (81)
Proceeds from sales of loans originated for sale 338 85
Net amortization/accretion of bond premiums/discounts 189 298
Deferred tax benefit (260) (390)
Net change in:    
Interest receivable (429) (474)
Other assets (117) (667)
Accrued interest payable (5) 920
Accrued expenses and other liabilities 253 (1,743)
Net cash provided by operating activities 8,344 7,401
CASH FLOWS FROM INVESTING ACTIVITIES    
Net increase in loans (20,833) (53,725)
Purchase of securities available-for-sale (23,336) (500)
Proceeds from repayments and maturities of securities available-for-sale 14,419 9,369
Proceeds from sales of securities available-for-sale 2,134
Net purchase of equity securities (restricted) (38) (625)
Payments for the purchase of premises, equipment and software (1,792) (1,475)
Proceeds from sales of premises and equipment 1,186 932
Proceeds from sales of other real estate owned 1,474 132
Proceeds from settlement of bank owned life insurance 761
Net cash used in investing activities (26,025) (45,892)
CASH FLOWS FROM FINANCING ACTIVITIES    
(Decrease) increase in short-term borrowings (10,000) 10,000
Net change in long-term debt (1,200) 9,690
Net change in noninterest bearing deposits (8,940) (16,046)
Net change in interest bearing deposits 42,455 39,806
Dividends paid (1,661) (1,431)
Repurchase of common stock (282) (237)
Net cash provided by  financing activities 20,372 41,782
Net increase in cash and cash equivalents 2,691 3,291
Cash and cash equivalents, beginning of the year 64,977 61,686
Cash and cash equivalents, end of the year 67,668 64,977
Supplemental Disclosure of Cash Paid During the Year for:    
Interest 16,117 8,195
Taxes 2,200 3,705
Supplemental Disclosure of Non-Cash Transactions:    
Right-of-use assets obtained in exchange for new operating lease liabilities 451
Transfer of loans to other real estate owned 1,330 124
Cash surrender value of bank owned life insurance transferred benefit receivable 3,852
Change in unrealized losses on securities available for sale $ (419) $ 2,896