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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Cash Flows from Operating Activities    
Net Income $ 355 $ 418
Adjustments to Reconcile Net Income (Loss) to Net Cash from Operating Activities    
Provision for Loan Losses 13 5
Provision for Depreciation 221 205
Deferred Income Tax Expense (Benefit) (25) 15
Change in Mortgage Servicing Rights (82) (26)
(Accretion) Amortization of Premiums and Discounts on Securities 29 34
(Accretion) Amortization of Deferred Loan Origination Fees 30 64
Gain on Sale of Loans Originated for Sale (153) (52)
Originations of Loans Held for Sale (10,486) (4,052)
Loss on disposal of Premise and Equipment   5
Stock dividends on FHLB Stock (25) (18)
Compensation Expense related to Stock Benefit Plans 325 145
Proceeds from Loans Held for Sale 10,935 3,524
Gain or Loss on Sale of Foreclosed Real Estate   (1)
Change in Assets and Liabilities:    
(Increase) Decrease in Accrued Interest Receivable (25) (28)
(Increase) Decrease in Bank Owned Life Insurance (51) (51)
(Increase) Decrease in Prepaid Expenses and Other Assets (69) 40
Increase (Decrease) in Accrued Expenses and Other Liabilities 63 45
Net Cash provided by (used in) Operating Activities 1,055 272
Cash Flows from Investing Activities    
Purchases of Securities Available for Sale (3,258)  
Principal Collected on Securities Available for Sale 1,313 1,226
Principal Collected on Securities Held to Maturity 123 127
Purchase of Federal Home Loan Bank Stock
Net Change in Interest-earning Time Deposits at Banks (2,490)  
Net (Increase) Decrease in Loans (5,275) (8,987)
Purchases of Premises and Equipment (941) (1,238)
Proceeds from Sales of Foreclosed Real Estate   85
Net Cash provided by (used in) Investing Activities (10,528) (8,787)
Cash Flows from Financing Activities    
Net Increase (Decrease) in Deposits 11,642 6,695
Shares Repurchased (1,666) (579)
Advances from Borrowers for Taxes and Insurance 20 18
Borrowed Funds 16,000 16,150
Repayments of Borrowed Funds (14,781) (13,392)
Net Cash provided by (used in) Financing Activities 11,215 8,892
Net Change in Cash and Cash Equivalents 1,742 377
Cash and Cash Equivalents - Beginning of Period 4,415 4,038
Cash and Cash Equivalents - End of Period 6,157 4,415
Cash paid during the period for:    
Interest Paid on Deposits 1,282 936
Interest Paid on Borrowed Funds 425 247
Income Taxes Paid $ 81 $ 98