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Consolidated Statements of Cash Flows - USD ($)
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2021
Sep. 30, 2020
Sep. 30, 2021
Sep. 30, 2020
Dec. 31, 2020
Operating activities:          
Net income $ 1,897,000 $ 1,606,000 $ 5,271,000 $ 4,249,000  
Adjustments to reconcile net income to net cash provided by operating activities:          
Provision for loan losses (257,000) 87,000 (536,000) 639,000  
Depreciation     548,000 609,000  
Net amortization of securities premiums     972,000 973,000  
Net amortization of loan origination fees     454,000 163,000  
Deferred net loan origination costs     (474,000) (496,000)  
Amortization of intangibles 16,000 19,000 49,000 57,000  
Amortization of investment in low income housing partnerships 200,000 200,000 600,000 600,000  
Net amortization of purchase fair value adjustments     (123,000) (80,000)  
Net realized gain on sales and calls of available for sale securities     (58,000) (845,000)  
Change in value of equity securities (38,000) (2,000) (139,000) 152,000  
Net gain on other real estate owned 0 0 (49,000) 0  
Earnings on bank owned life insurance and annuities (64,000) (74,000) (186,000) (201,000)  
Deferred income tax (benefit) expense     (206,000) 242,000  
Stock-based compensation expense 38,000 31,000 110,000 94,000  
Proceeds from mortgage loans sold to others     56,000 57,000  
Mortgage banking income     (26,000) (41,000)  
Increase in accrued interest receivable and other assets     (563,000) (3,110,000)  
Increase (decrease) in accrued interest payable and other liabilities     85,000 (21,000)  
Net cash provided by operating activities     5,785,000 3,041,000  
Investing activities:          
Purchases of: Securities available for sale     (173,765,000) (201,217,000)  
Purchases of: FHLB stock     0 (7,000)  
Purchases of: Premises and equipment     (164,000) (247,000)  
Purchases of: Bank owned life insurance and annuities     (36,000) (36,000)  
Redemption of equity securities     119,000 0  
Sales of debt securities available for sale     32,856,000 48,565,000  
Proceeds from: Maturities of and principal repayments on securities available for sale     61,315,000 70,748,000  
Proceeds from: Redemption of FHLB stock     907,000 0  
Proceeds from: Sale of other assets     1,000 0  
Net decrease in interest bearing time deposits with banks     0 1,475,000  
Net decrease (increase) in loans     11,150,000 (19,453,000)  
Net cash used in investing activities     (67,617,000) (100,172,000)  
Financing activities:          
Net increase in deposits     84,712,000 68,586,000  
Net (decrease) increase in short-term borrowings and securities sold under agreements to repurchase     (19,946,000) 11,446,000  
Issuance of FRB advances     0 31,298,000  
Repayment of FRB advances     (27,955,000) 0  
Repayment of long-term debt     0 (10,000,000)  
Cash dividends     (3,304,000) (3,358,000)  
Purchase of treasury stock     (675,000) (1,372,000)  
Treasury stock issued for employee stock plans     77,000 70,000  
Net cash provided by financing activities     32,909,000 96,670,000  
Net decrease in cash and cash equivalents     (28,923,000) (461,000)  
Cash and cash equivalents at beginning of year     41,621,000 12,740,000 $ 12,740,000
Cash and cash equivalents at end of period $ 12,698,000 $ 12,279,000 12,698,000 12,279,000 $ 41,621,000
Supplemental information:          
Income tax paid     179,000 225,000  
Interest paid     2,640,000 3,120,000  
Supplemental schedule of noncash investing and financing activities:          
Transfer of loans to other real estate owned     61,000 0  
Transfer of loans to repossessed vehicles     $ 1,000 $ 29,000