Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Cash flows from operating activities:
Net income	$ 13,439	$ 10,187
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	2,675	(500)
Provision for deferred taxes	(1,383)	(1,851)
Depreciation	1,168	1,166
Deferred loan costs, net	(182)	(152)
Accretion on discount of purchased loans, net	(32)	(85)
Stock based compensation, net	1,292	1,108
Increase in cash surrender value of life insurance	(497)	(487)
Discount on retained portion of sold loans, net	(27)	(26)
Gain on sale of loans, net	(1,393)	0
Increase in accrued interest receivable and other assets	1,986	1,050
(Increase) decrease in accrued interest payable and other liabilities	(1,894)	321
Net cash provided by operating activities	15,152	10,731
Cash flows from investing activities:
Purchase of investment securities	(78,780)	(36,548)
Proceeds from principal payments on investment securities	21,859	8,848
Proceeds from sale (purchase) of loans	37,271	(20,008)
Net (increase) decrease in loans	(247,304)	87,092
Capital calls on low income tax credit investments	(438)	(565)
Redemption (purchase) of Federal Home Loan Bank stock	455	(1,344)
Purchase of premises and equipment	(145)	(165)
Purchase of bank-owned life insurance policies	(46)	(42)
Net cash (used for) provided by investing activities	(267,128)	37,268
Cash flows from financing activities:
Net increase in customer deposits	28,940	209,848
Paydown of long term borrowing, net	(56,387)	(109,507)
Proceeds from short term and overnight borrowings	50,000	0
Proceeds from issuance of subordinated debt, net	0	34,240
Proceeds from exercised stock options, net	21	(47)
Net cash provided by financing activities	22,574	134,534
(Decrease) increase in cash and cash equivalents	(229,402)	182,533
Cash and cash equivalents, beginning of period	470,456	418,517
Cash and cash equivalents, end of period	241,054	601,050
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	6,089	5,490
Income taxes	$ 5,303	$ 4,684