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Statements of Cash Flows - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2018
Dec. 31, 2017
Cash flows from operating activities    
Net income (loss) $ (19) $ 1,659
Adjustments to reconcile net income (loss) to net cash from operating activities:    
Depreciation 663 691
Net amortization of premiums and discounts on securities 331 598
Write-down and loss on disposal of premises and equipment 22 1,095
Deferred tax credit (benefit) 220 (3,551)
Net gain on sale of available for sale securities (67)  
Originations of loans held for sale (55,882) (62,012)
Proceeds from sales of loans held for sale 56,035 63,046
Net gain on sale of loans held for sale (707) (772)
Net change in cash value of life insurance (404) (411)
Gain on life insurance death benefit received (120)  
Changes in operating assets and liabilities:    
Mortgage servicing rights 167 151
Accrued interest receivable and other assets (1,455) (735)
Accrued interest payable and other liabilities 533 568
Net cash (used in) provided by operating activities (683) 327
Cash flows from investing activities    
Proceeds from sales of available for sale securities 14,392  
Maturities, prepayments and calls of available for sale securities 7,479 11,933
Purchase of available for sale securities   (5,037)
Net increase in loans (38,624) (18,683)
Capital expenditures for premises and equipment (1,187) (522)
Proceeds from life insurance policies 856  
Net decrease in FHLB stock 175 734
Net cash used in investing activities (16,909) (11,575)
Cash flows from financing activities    
Net increase in deposits 16,846 30,409
Net increase (decrease) in advance payments by borrowers for taxes and insurance 855 (912)
Proceeds from issuance of FHLB advances   5,000
Principal payments on FHLB advances (4,683) (18,531)
Net cash provided by financing activities 13,018 15,966
Net increase (decrease) in cash and cash equivalents (4,574) 4,718
Cash and cash equivalents at beginning of year 12,497 7,779
Cash and cash equivalents at end of year 7,923 12,497
Supplemental cash flow information:    
Cash paid during the year for interest $ 4,201 $ 3,298