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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 $ 3,998 $ 2,569
Adjustments to reconcile net income to net cash provided by operations:    
Depreciation and amortization 678 726
Provision for loan losses 561 1,142
Amortization of premium on securities, net 409 465
Amortization of discount on subordinated notes 31 30
Losses on sales and write-downs of other real estate, net 334 581
Gains on sales of investment securities (60) (69)
Increase in value of life insurance contracts (202) (200)
Income from life insurance death benefit (642)
Stock compensation expense 315 148
Originations of loans held for sale (25,394) (33,611)
Proceeds from sales of loans held for sale 27,405 33,392
Gains on sales of loans held for sale (509) (690)
Changes in assets and liabilities:    
Accrued income 382 (392)
Other assets (439) (53)
Deferred taxes, net (208) (123)
Accrued interest payable 35 (18)
Other liabilities 558 343
Net cash flows provided by operating activities 7,252 4,240
Cash flows from investing activities:    
Net increase in federal funds sold (14) (138)
Purchases of available for sale securities (900) (23,403)
Sales, maturities, and calls of available for sale securities 10,071 20,544
Redemptions (purchase) of restricted equity securities, net 130 (158)
Net increase in loans (28,291) (27,248)
Proceeds from sales of other real estate 1,719 988
Purchases of bank owned life insurance (1,000)
Death benefit from bank owned life insurance 1,316
Purchases of property and equipment (684) (292)
Net cash flows used in investing activities (16,653) (30,707)
Cash flows from financing activities:    
Net increase in noninterest-bearing deposits 10,588 15,602
Net increase in interest-bearing deposits 5,265 10,870
Net increase (decrease) in FHLB borrowings (3,084) 3,028
Net increase (decrease) in other borrowings (1,475) 441
Distribution of equity of non-controlling interest (204)
Common stock cash dividends paid (697)
Exercise of stock options 85 31
Net settlement of restricted stock and cash in lieu of fractional shares (20) (20)
Net cash flows provided by financing activities 10,458 29,952
Net increase in cash and cash equivalents 1,057 3,485
Cash and cash equivalents, beginning 21,714 18,229
Cash and cash equivalents, ending 22,771 21,714
Supplemental disclosure of cash flow information:    
Cash payments for interest 3,665 3,064
Cash payments for income taxes 1,245 1,461
Supplemental disclosure of noncash investing and financing activities:    
Transfer from loans to other real estate owned 697 1,024
Change in unrealized gains and losses on available for sale securities $ (848) $ (94)