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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2018
Dec. 31, 2017
Cash flows from operating activities    
Net income $ 5,647 $ 2,023
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 2,222 2,447
Gain on disposal of premises and equipment   150
Legal settlement   (244)
Deferred income tax expense 1,806 2,671
Total loss on sales/provision of other real estate owned   311
Stock-based compensation 1,857 1,298
Provision for (Recovery of) credit losses 180 788
Net amortization of investment securities 178 690
Accretion of discounts on convertible subordinated debentures and promissory notes, net   (18)
Stock dividends received on correspondent bank stock (136) (139)
Increase in cash surrender value of company-owned life insurance (393) (418)
Net gain on mortgage loans sold (4,560) (3,469)
Net gain on sales of securities   (81)
Origination of mortgage loans held for sale (473,956) (301,959)
Proceeds from mortgage loans sold 486,473 290,731
Net changes in operating assets and liabilities:    
Accounts receivable 1,100 (907)
Accrued interest receivable and other assets (1,051) (817)
Accrued interest payable and other liabilities (1,567) 1,513
Net cash provided (used) by operating activities 17,800 (5,430)
Activity in available-for-sale securities:    
Maturities, prepayments, and calls 13,040 12,192
Sales   58,565
Purchases (250) (32,803)
Purchases of correspondent bank stock (6,609) (6,975)
Redemption of correspondent bank stock 5,812 7,328
Purchases of premises and equipment (714) (499)
Net cash paid for acquisitions   (1,000)
Payments received on promissory notes from related parties 3,701  
Proceeds from sales of other real estate owned   1,867
Loan and note receivable originations and principal collections, net 78,051 140,727
Net cash used in investing activities (63,071) (102,052)
Cash flows from financing activities    
Net change in deposits 121,641 62,217
Proceeds from Subordinated Notes issuances, net   285
Proceeds from the exercise of stock options   6
Proceeds from issuance of common stock, net 34,450 5,255
Settlement of restricted stock (181)  
Payments on Credit Note payable   (2,736)
Dividends paid on preferred stock (1,378) (2,291)
Payments on Subordinated Notes (6,875)  
Redemption of preferred stock Series A-C (20,783)  
Redemption of convertible preferred stock Series D (4,054)  
Redemption costs (131)  
Payments to Federal Home Loan Bank Topeka borrowings (297,866) (347,683)
Proceeds from Federal Home Loan Bank Topeka borrowings 284,303 339,246
Net cash provided by financing activities 109,126 54,299
Net change in cash and cash equivalents 63,855 (53,183)
Cash and cash equivalents, beginning of year 9,502 62,685
Cash and cash equivalents, end of period 73,357 9,502
Supplemental cash flow information:    
Interest paid on deposits and borrowed funds 8,138 5,615
Income tax payment, net of refunds received 439 275
Supplemental noncash disclosures:    
Expiration of convertible subordinated debentures   $ 4,749
Reclass of promissory note to loans 2,091  
Available-for-sale-reclass of equity securities 703  
Reclass on equity securities $ 41