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Consolidated Statements of Cash Flows - USD ($)
12 Months Ended
Dec. 31, 2021
Dec. 31, 2020
Operating activities:    
Net income $ 6,604,000 $ 5,602,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for loan losses (769,000) 721,000
Depreciation 712,000 806,000
Net amortization of securities premiums 1,220,000 1,459,000
Net amortization of loan origination fees 895,000 301,000
Deferred net loan origination costs (693,000) (684,000)
Amortization of intangibles 66,000 77,000
Amortization of investment in low income housing partnerships 799,000 799,000
Net amortization of purchase fair value adjustments (211,000) (106,000)
Net realized gain on sales and calls of available for sale securities (21,000) (855,000)
Change in value of equity securities (151,000) 53,000
Net gain on other real estate owned (64,000) 0
Earnings on bank owned life insurance and annuities (246,000) (263,000)
Deferred income tax (benefit) expense 49,000 (155,000)
Stock-based compensation expense 158,000 128,000
Proceeds from mortgage loans sold to others 79,000 76,000
Mortgage banking income (41,000) (54,000)
Increase in accrued interest receivable and other assets 476,000 (776,000)
Increase (decrease) in accrued interest payable and other liabilities 4,000 (354,000)
Net cash provided by operating activities 8,866,000 6,775,000
Investing activities:    
Purchases of: Securities available for sale (181,122,000) (268,399,000)
Purchases of: Premises and equipment (274,000) (371,000)
Purchases of: Bank owned life insurance and annuities (38,000) (39,000)
Redemption of equity securities 118,000 0
Sales of debt securities available for sale 42,997,000 97,389,000
Proceeds from: Maturities of and principal repayments on securities available for sale 78,608,000 98,539,000
Proceeds from: Redemption of FHLB stock 1,307,000 19,000
Proceeds from: Sale of other real estate owned 125,000 0
Proceeds from: Sale of other assets 1,000 34,000
Net decrease in interest bearing time deposits with banks 0 1,475,000
Net decrease (increase) in loans 4,404,000 (21,195,000)
Net cash used in investing activities (53,874,000) (92,548,000)
Financing activities:    
Net increase in deposits 85,577,000 90,925,000
Net (decrease) increase in short-term borrowings and securities sold under agreements to repurchase (20,523,000) 11,621,000
Issuance of FRB advances 0 31,298,000
Repayment of FRB advances (27,955,000) (3,343,000)
Repayment of long-term debt (15,000,000) (10,000,000)
Cash dividends (4,402,000) (4,465,000)
Purchase of treasury stock (861,000) (1,452,000)
Treasury stock issued for employee stock plans 77,000 70,000
Net cash provided by financing activities 16,913,000 114,654,000
Net decrease in cash and cash equivalents (28,095,000) 28,881,000
Cash and cash equivalents at beginning of year 41,621,000 12,740,000
Cash and cash equivalents at end of period 13,526,000 41,621,000
Supplemental information:    
Interest paid 3,414,000 4,062,000
Income tax paid 289,000 325,000
Supplemental schedule of noncash investing and financing activities:    
Transfer of loans to other real estate owned 148,000 29,000
Transfer of loans to repossessed vehicles $ 1,000 $ 0