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CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)
$ in Thousands
6 Months Ended
Jun. 30, 2018
Jun. 30, 2017
Cash flows from operating activities:    
Net income $ 3,803 $ 1,907
Adjustments to reconcile net income to net cash from operating activities:    
Depreciation and amortization 628 602
Amortization of deferred loan fees (861) (521)
Net amortization of premiums and discounts (125) (262)
Reversal of provision for loan losses   (650)
Write-downs and losses on real estate acquired through foreclosure, net of gains 44 40
Gain on sale of mortgage loans (1,230) (816)
Proceeds from sale of mortgage loans held for sale 37,151 24,065
Originations of loans held for sale (40,835) (16,849)
Stock-based compensation 113 102
Increase in cash surrender value of bank-owned life insurance (82)  
Deferred income taxes 1,334 1,308
Decrease (increase) in accrued interest receivable 36 (36)
Decrease in other assets 163 936
Increase (decrease) in accrued expenses and other liabilities 73 (1,614)
Net cash provided by operating activities 212 8,212
Cash flows from investing activities:    
Purchase of certificates of deposit held for investment   (8,680)
Loan principal (disbursements), net of repayments (17,698) (21,343)
Redemption of restricted stock investments 262 827
Purchases of premises and equipment, net (548) (216)
Activity in securities held to maturity:    
Purchases   (6,679)
Maturities/calls/repayments 7,745 5,096
Activity in available-for-sale securities:    
Purchases (2,000) (7,184)
Maturities/calls/repayments 108 184
Proceeds from sales of real estate acquired through foreclosure 64 433
Net cash used in investing activities (12,067) (37,562)
Cash flows from financing activities:    
Net increase in deposits 19,387 7,680
Net increase in short-term borrowings 8,500  
Additional long-term borrowings 34,000  
Repayments of long-term borrowings (49,000) (20,000)
Common stock dividends (747)  
Preferred stock dividends (70) (140)
Exercise of stock options 97 17
Net cash provided by (used in) financing activities 12,167 (12,443)
Increase (decrease) in cash and cash equivalents 312 (41,793)
Cash and cash equivalents at beginning of period 21,853 67,014
Cash and cash equivalents at end of period 22,165 25,221
Supplemental Information:    
Interest paid on deposits and borrowed funds 3,937 3,902
Income taxes paid $ 91  
Real estate acquired in satisfaction of loans   515
Transfers of loans held for sale to portfolio   $ 419