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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended
Mar. 31, 2020
Mar. 31, 2019
Dec. 31, 2019
Cash Flows from Operating Activities      
Net Income $ 66 $ 57  
Adjustments to Reconcile Net Income (Loss) to Net Cash from Operating Activities      
Provision for Loan Losses 10   $ 13
Provision for Depreciation 55 56  
Deferred Income Tax Expense (Benefit) (25) (1)  
Change in Mortgage Servicing Rights (1) (12)  
(Accretion) Amortization of Premiums and Discounts on Securities 8 6  
(Accretion) Amortization of Deferred Loan Origination Fees 14 9  
Gain on Sale of Loans Originated for Sale (31) (19)  
Originations of Loans Held for Sale (3,084) (552)  
Stock dividends on FHLB Stock (5) (6)  
Compensation Expense related to Stock Benefit Plans 65 64  
Proceeds from Loans Held for Sale 1,910 1,075  
Change in Assets and Liabilities:      
(Increase) Decrease in Accrued Interest Receivable 21 7  
(Increase) Decrease in Bank Owned Life Insurance (13) (13)  
(Increase) Decrease in Prepaid Expenses and Other Assets (55) (59)  
Increase (Decrease) in Accrued Expenses and Other Liabilities 118 98  
Net Cash provided by (used in) Operating Activities (947) 710  
Cash Flows from Investing Activities      
Principal Collected on Securities Available for Sale 375 254  
Principal Collected on Securities Held to Maturity 31 26  
Net Change in Interest-earning Time Deposits at Banks 498 (1,245)  
Net (Increase) Decrease in Loans (2,093) 518  
Purchases of Premises and Equipment (730) (92)  
Net Cash provided by (used in) Investing Activities (1,919) (539)  
Cash Flows from Financing Activities      
Net Increase (Decrease) in Deposits 2,434 1,582  
Shares Repurchased (169) (230)  
Advances from Borrowers for Taxes and Insurance 105 123  
Borrowed Funds 5,800 2,800  
Repayments of Borrowed Funds (4,620) (2,480)  
Net Cash provided by (used in) Financing Activities 3,550 1,795  
Net Change in Cash and Cash Equivalents 684 1,966  
Cash and Cash Equivalents - Beginning of Period 6,157 4,415 4,415
Cash and Cash Equivalents - End of Period 6,841 6,381 $ 6,157
Cash paid during the period for:      
Interest Paid on Deposits 347 275  
Interest Paid on Borrowed Funds 97 104  
Income Taxes Paid $ 8 $ 17