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CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)
$ in Thousands
9 Months Ended
Sep. 30, 2025
Sep. 30, 2024
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 7,198 $ 5,578
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 1,123 1,198
Provision for credit losses 602 478
Income on bank owned life insurance (57)
Gain on sale of mortgage loans (17) (9)
Net gain on sale of securities available-for-sale (4)
Gain on sale or disposal of premises and equipment (2) (23)
Gain on sale of other real estate owned (6) (44)
Loans originated for sale (760) (329)
Proceeds from sales of loans originated for sale 777 338
Net amortization/accretion of bond premiums/discounts 55 165
Deferred tax benefit (261)
Net change in:    
Accrued interest receivable (391) (212)
Other assets 427 (532)
Accrued interest payable 49 504
Accrued expenses and other liabilities 477 106
Net cash provided by operating activities 9,532 6,896
CASH FLOWS FROM INVESTING ACTIVITIES    
Net increase in loans (50,009) (9,307)
Purchase of securities available-for-sale (5,270) (14,011)
Proceeds from repayments and maturities of securities available-for-sale 9,676 8,214
Proceeds from sales of securities available-for-sale 2,134
Net purchase of equity securities (restricted) (20) (38)
Payments for the purchase of premises and equipment and software (661) (1,687)
Proceeds from sale of premises and equipment 2 1,188
Proceeds from sale of other real estate owned 50 164
Proceeds from bank owned life insurance benefit 5,417
Net cash used in investing activities (40,815) (13,343)
CASH FLOWS FROM FINANCING ACTIVITIES    
Repayment of long-term debt (3,000)
Net change in noninterest bearing deposits 3,943 (2,126)
Net change in interest-bearing deposits 45,451 49,223
Dividends paid (1,889) (1,661)
Repurchase of common stock (180) (239)
Net cash provided by financing activities 44,325 45,197
Net increase in cash and cash equivalents 13,042 38,750
Cash and cash equivalents, beginning of the period 67,668 64,977
Cash and cash equivalents, end of the period 80,710 103,727
Supplemental disclosure of cash paid during the period for:    
Interest 11,408 11,587
Taxes 1,620 1,550
Supplemental disclosure of non-cash transactions:    
      Transfer of loans to other real estate owned 46 1,023
Change in unrealized losses on securities available-for-sale $ 4,630 $ 3,257