CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
CONSOLIDATED STATEMENTS OF CASH FLOWS
Net income	$ 2,516	$ 2,006
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	160	239
Net amortization of investment premiums and discounts	58	52
Provision for loan losses	1,552	219
Amortization of issuance costs on Subordinated Debt	24
Compensation expense for stock options		61
Net change in fair value of loans held for investment	62	(324)
Net change in fair value of loans held for sale	(860)	(90)
Net change in fair value of derivative instruments	(954)	(16)
Gain on sale of OREO	(6)
SBA loan income	(569)
Proceeds from sale of loans	189,561	112,948
Loans originated for sale	(254,601)	(96,265)
Mortgage banking income	(7,902)	(4,908)
Increase in accrued interest receivable	(135)	(112)
Increase in other assets	8,244	(161)
Earnings from investment in life insurance	(70)	(72)
Deferred income tax (benefit)	412	45
Increase in accrued interest payable	490	129
Increase in other liabilities	(660)	1,064
Net cash (used) provided by operating activities	(62,678)	14,815
Activity in available-for-sale securities:
Maturities, repayments and calls	1,559	2,390
Purchases	(30,006)	(1,944)
Activity in held-to-maturity securities:
Maturities, repayments and calls	1,000
Proceeds from sale of OREO	126
Settlement of forward contracts		(36)
(Increase) decrease in restricted stock	(275)	823
Net increase in loans	(56,197)	(27,283)
Purchases of premises and equipment	(186)	(86)
Net cash used in investing activities	(83,979)	(26,136)
Cash flows from financing activities:
Net increase in deposits	142,585	58,583
Increase (decrease) in short term borrowings	(18,169)	(32,068)
Increase (decrease) in short term borrowings with original maturity > 90 days	24,200
Repayment of long term debt (Acquisition note)		(206)
Proceeds from long term debt (FHLB advances)	1,900
Issuance costs on Subordinated debt	(101)
Net purchase of treasury stock through publicly announced plans	(5,703)
Share based awards and exercises	96
Net cash provided by financing activities	144,808	26,309
Net change in cash and cash equivalents	(1,849)	14,988
Cash and cash equivalents at beginning of period	39,371	23,952
Cash and cash equivalents at end of period	37,522	38,940
Supplemental disclosure of cash flow information:
Interest	3,638	3,718
Income taxes	145	2,735
Supplemental disclosure of cash flow information:
Transfers from loans and leases to real estate owned		120
Transfers from loans held for sale to loans held for investment		$ 3,602
Net loans sold, settled	(206)
Investment security purchases, not settled	$ (2,757)