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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
3 Months Ended
Dec. 31, 2018
Dec. 31, 2017
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 3,104 $ 3,493
Adjustments to reconcile net income to net cash provided by (used in) operating activities:    
Provision for loan losses 315 462
Depreciation and amortization 484 300
Amortization of premiums and accretion of discounts on securities, net 126 146
Decrease in trading account securities 0 536
Amortization and accretion of fair value adjustments on loans, net (129) (71)
Loans originated for sale (79,437) (48,992)
Proceeds on sales of loans 76,830 49,096
Net realized and unrealized gain on loans held for sale (3,270) (1,654)
Net realized and unrealized gain on other real estate owned (27) (180)
Increase in cash surrender value of life insurance (111) (107)
Net gain on sale of premises and equipment (1) (7)
Deferred income taxes (52) 796
Stock compensation expense 59 54
Increase in accrued interest receivable (521) (595)
Increase in accrued interest payable 253 46
Change in other assets and liabilities, net (1,798) (2,814)
Net Cash Provided By (Used In) Operating Activities (4,175) 509
CASH FLOWS FROM INVESTING ACTIVITIES    
Investment in interest-bearing time deposits (490) (490)
Proceeds from sales and maturities of interest-bearing time deposits 0 245
Purchase of securities available for sale (8,530) (4,112)
Proceeds from maturities of securities available for sale 385 355
Proceeds from maturities of securities held to maturity 30 25
Principal collected on securities 7,919 3,652
Net increase in loans (30,430) (30,569)
Purchase of Federal Reserve Bank stock 0 (2,562)
Purchase of Federal Home Loan Bank stock (575) 0
Proceeds from sale of other real estate owned 49 484
Purchase of premises and equipment (7,544) (100)
Proceeds from sales of premises and equipment 51 0
Net Cash Used In Investing Activities (39,135) (33,072)
CASH FLOWS FROM FINANCING ACTIVITIES    
Net increase in deposits 20,961 6,067
Net increase in repurchase agreements 0 1
Increase (decrease) in Federal Home Loan Bank line of credit 17,019 (18,065)
Proceeds from Federal Home Loan Bank advances 15,000 94,500
Repayment of Federal Home Loan Bank advances (15,000) (44,500)
Net increase in advance payments by borrowers for taxes and insurance (363) (429)
Proceeds from exercise of stock options 152 122
Taxes paid on stock award shares for employees (32) (46)
Dividends paid on common stock (345) (315)
Distributions to noncontrolling interests (12) 0
Net Cash Provided By Financing Activities 37,380 37,335
Net Increase (Decrease) in Cash and Cash Equivalents (5,930) 4,772
Cash and cash equivalents at beginning of period 42,274 34,259
Cash and Cash Equivalents at End of Period $ 36,344 $ 39,031