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Condensed 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 $ 4,914 $ 2,719
Adjustments to reconcile net income to net cash from operating activities:    
Amortization of net premiums on investments 64 64
Provision for (release of) credit losses 22 (134)
Depreciation and amortization 376 483
Share-based compensation 231 291
Fair value adjustment on mortgage servicing rights 551 81
Right of use assets amortization 759 717
Change in lease liabilities (783) (742)
Change in cash surrender value of BOLI (648) (498)
Net change in advances from borrowers for taxes and insurance 856 937
Net gain on disposal of premises and equipment, net 0 (30)
Net gain on sale of loans (187) (205)
Proceeds from sale of loans held-for-sale 10,973 10,722
Originations of loans held-for-sale (12,932) (10,952)
Net gain on OREO and repossessed assets 0 (17)
Change in operating assets and liabilities:    
Accrued interest receivable (425) (253)
Other assets 479 (643)
Accrued interest payable 9 91
Other liabilities 897 148
Net cash provided by operating activities 5,156 2,779
CASH FLOWS FROM INVESTING ACTIVITIES:    
Proceeds from principal payments, maturities and sales of available-for-sale securities 222 307
Proceeds from principal payments of held-to-maturity securities 231 27
Net increase in loans (7,692) (6,598)
Purchase of BOLI 0 (5)
Purchases of premises and equipment, net (100) (50)
Proceeds from disposal of premises and equipment, net 0 30
Proceeds from sale of OREO and other repossessed assets 0 592
Net cash used in investing activities (7,339) (5,697)
CASH FLOWS FROM FINANCING ACTIVITIES:    
Net increase in deposits 61,144 103,658
FHLB stock purchased (5) (9)
Common stock repurchases 0 (65)
Purchase of common stock surrendered to pay tax liability 0 (218)
Dividends paid on common stock (1,462) (1,459)
Proceeds from common stock option exercises 21 251
Net cash provided by financing activities 59,698 102,158
Net change in cash and cash equivalents 57,515 99,240
Cash and cash equivalents, beginning of period 43,641 49,690
Cash and cash equivalents, end of period 101,156 148,930
SUPPLEMENTAL CASH FLOW INFORMATION:    
Cash paid for income taxes 762 407
Interest paid on deposits and borrowings 16,998 19,765
Noncash investing and financing activities:    
Loans transferred from loans held-for-sale to loans held-for-portfolio 2,275 859
Loans transferred from loans held-for-portfolio to OREO and repossessed assets 344 115
ROU assets obtained in exchange for new operating lease liabilities 583 0
ROU assets obtained in exchange for new finance lease liabilities $ 130 $ 0