Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Cash flows from operating activities:
Net income	$ 3,673	$ 2,809
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	950	300
Provision for deferred taxes	1,128	220
Depreciation	387	398
Deferred loan (costs) fees, net	(735)	2,129
Accretion on discount of purchased loans, net	(11)	(36)
Stock based compensation, net	321	383
Increase in cash surrender value of life insurance	(166)	(162)
Discount on retained portion of sold loans, net	(9)	(9)
Gain on sale of loans, net	(1,393)	0
Increase in accrued interest receivable and other assets	616	762
Decrease in accrued interest payable and other liabilities	(5,223)	(3,418)
Net cash provided by operating activities	(462)	3,376
Cash flows from investing activities:
Purchase of investment securities	(75,023)	(7,245)
Proceeds from principal payments on investment securities	6,056	4,217
Proceeds from sale of loans	37,271	0
Net decrease in loans	(59,693)	(101,068)
Capital calls on low income tax credit investments	(191)	(290)
Purchase of premises and equipment	(29)	(72)
Purchase of bank-owned life insurance policies	(36)	(40)
Net cash used for investing activities	(91,645)	(104,498)
Cash flows from financing activities:
Net (decrease) increase in customer deposits	(79,616)	97,509
Paydown of long term borrowing, net	(24,221)	(54,223)
Paydown of short term and overnight borrowings, net	(50,000)	0
Proceeds from exercised stock options, net	21	99
Net cash provided by financing activities	(153,816)	43,385
Decrease in cash and cash equivalents	(245,923)	(57,737)
Cash and cash equivalents, beginning of period	470,456	418,517
Cash and cash equivalents, end of period	224,533	360,780
Supplemental disclosure of cash flow information:
Securities transferred from available for sale to the held to maturity classification	49,889	0
Cash paid during the year for:
Interest	2,023	1,725
Income taxes	$ 0	$ 0