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CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)
$ in Thousands
6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 4,440 $ 3,470
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 745 827
Provision for (recovery of) credit losses 413 429
Income on bank owned life insurance (37)
Gain on sale of mortgage loans (9) (4)
Gain on sale or disposal of premises and equipment (2) (20)
Gain on sale of other real estate owned (6) (34)
Loans originated for sale (380) (105)
Proceeds from sales of loans originated for sale 389 109
Net amortization/accretion of bond premiums/discounts 37 125
Deferred tax benefit (260)
Net change in:    
Accrued interest receivable (123) 14
Other assets (542) (744)
Accrued interest payable (15) 473
Accrued expenses and other liabilities (102) (300)
Net cash provided by operating activities 4,845 3,943
CASH FLOWS FROM INVESTING ACTIVITIES    
Net increase in loans (38,350) (1,798)
Purchase of securities available-for-sale (4,770) (8,048)
Proceeds from repayments and maturities of securities available-for-sale 6,067 5,188
Net purchase of equity securities (restricted) (258) (36)
Payments for the purchase of premises and equipment and software (444) (1,488)
Proceeds from sale of premises and equipment 2 1,033
Proceeds from sale of other real estate owned 50 108
Proceeds from bank owned life insurance benefit 5,417
Net cash used in investing activities (32,286) (5,041)
CASH FLOWS FROM FINANCING ACTIVITIES    
Increase in short-term borrowings 5,000
Repayment of long-term debt (3,000)
Net change in noninterest bearing deposits 8,629 (7,259)
Net change in interest-bearing deposits 23,298 34,020
Dividends paid (1,889) (1,661)
Repurchase of common stock (106) (175)
Net cash provided by financing activities 31,932 24,925
Net increase in cash and cash equivalents 4,491 23,827
Cash and cash equivalents, beginning of the period 67,668 64,977
Cash and cash equivalents, end of the period 72,159 88,804
Supplemental disclosure of cash paid during the period for:    
Interest 7,500 7,251
Taxes 880 1,000
Supplemental disclosure of non-cash transactions:    
      Transfer of loans to other real estate owned 14 20
Change in unrealized losses on securities available-for-sale $ 2,099 $ (271)