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Consolidated Statements of Cash Flows - USD ($)
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2022
Jun. 30, 2021
Jun. 30, 2022
Jun. 30, 2021
Dec. 31, 2021
Operating activities:          
Net income     $ 4,098,000 $ 3,374,000  
Adjustments to reconcile net income to net cash provided by operating activities:          
Provision for loan losses $ 222,000 $ (200,000) 250,000 (279,000)  
Depreciation     321,000 372,000  
Net amortization of securities premiums     275,000 733,000  
Net amortization of loan origination fees     381,000 346,000  
Deferred net loan origination costs     (280,000) (296,000)  
Amortization of intangibles 14,000 17,000 27,000 33,000  
Amortization of investment in low-income housing partnerships 200,000 200,000 400,000 400,000  
Net amortization of purchase fair value adjustments     (56,000) (92,000)  
Net realized (gain) loss on sales and calls of available for sale securities     1,074,000 (58,000)  
Change in value of equity securities 57,000 (8,000) 80,000 (101,000)  
Net gain on other real estate owned     (7,000) (49,000)  
Earnings on bank owned life insurance and annuities (59,000) (68,000) (111,000) (122,000)  
Deferred income tax benefit     (59,000) (151,000)  
Stock-based compensation expense 79,000 37,000 116,000 72,000  
Proceeds from mortgage loans sold to others     32,000 38,000  
Mortgage banking income     (13,000) (18,000)  
Gain from life insurance proceeds (51,000)   (51,000) 0  
Increase in accrued interest receivable and other assets     (946,000) (576,000)  
Decrease in accrued interest payable and other liabilities     (202,000) (206,000)  
Net cash provided by operating activities     5,329,000 3,420,000  
Investing activities:          
Purchases of: Securities available for sale     (40,377,000) (136,852,000)  
Purchases of: FHLB stock     (471,000) 0  
Purchases of: Premises and equipment     (196,000) (104,000)  
Purchases of: Bank owned life insurance and annuities     (13,000) (18,000)  
Proceeds from: Sales of debt securities available for sale     17,134,000 32,869,000  
Proceeds from: Maturities of and principal repayments on securities available for sale     19,700,000 42,849,000  
Proceeds from: Redemption of FHLB stock     0 538,000  
Proceeds from: Life insurance claims     146,000 0  
Proceeds from: Sale of other real estate owned     94,000 0  
Net decrease in interest bearing time deposits with banks     490,000 0  
Net increase in loans     (22,766,000) (8,453,000)  
Net cash used in investing activities     (26,259,000) (69,171,000)  
Financing activities:          
Net increase in deposits     11,410,000 85,669,000  
Net increase (decrease) in short-term borrowings and securities sold under agreements to repurchase     20,802,000 (12,597,000)  
Repayment of FRB advances     0 (27,955,000)  
Cash dividends     (2,200,000) (2,204,000)  
Purchase of treasury stock     (3,000) (675,000)  
Treasury stock issued for employee stock plans     69,000 77,000  
Net cash provided by financing activities     30,078,000 42,315,000  
Net increase (decrease) in cash and cash equivalents     9,148,000 (23,436,000)  
Cash and cash equivalents at beginning of year     13,526,000 41,621,000 $ 41,621,000
Cash and cash equivalents at end of period $ 22,674,000 $ 18,185,000 22,674,000 18,185,000 $ 13,526,000
Supplemental information:          
Interest paid     1,320,000 1,830,000  
Income tax paid     250,000 75,000  
Supplemental schedule of noncash investing and financing activities:          
Transfer of loans to other real estate owned     0 61,000  
Transfer of loans to repossessed vehicles     $ 0 $ 1,000