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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2017
CASH FLOWS FROM OPERATING ACTIVITIES      
Net income $ 10,414 $ 9,412 $ 7,101
Adjustments to reconcile net income to net cash provided by operating activities:      
Depreciation and amortization of premises, equipment and software 745 799 865
Deferred income taxes 66 93 (167)
Provision for loan losses 1,140 1,316 1,145
Gain on sale of loans, net (462) (307) (296)
Gain on sale of other real estate   (10)  
Security amortization, net of accretion 478 480 556
Secondary market loan sale proceeds 19,671 10,749 10,790
Originations of secondary market loans held-for-sale (19,820) (10,356) (10,793)
Earnings on bank-owned life insurance (446) (336) (357)
Effects of changes in operating assets and liabilities:      
Net deferred loan (fees) costs 46 (22) (57)
Accrued interest receivable (60) (36) (135)
Accrued interest payable 39 (2) 14
Other assets and liabilities 87 508 289
Net cash provided by operating activities 11,898 12,288 8,955
Securities:      
Proceeds from repayments, available-for-sale 20,597 15,713 19,019
Proceeds from repayments, held-to-maturity 6,861 7,137 2,885
Purchases, available-for-sale (45,858) (5,007) (13,028)
Purchases, held-to-maturity   (2,029) (4,700)
Purchase of bank-owned life insurance (4,894)    
Loan originations, net of repayments (2,734) (33,253) (42,156)
Proceeds from sale of other real estate   30  
Property, equipment, and software acquisitions (2,786) (1,337) (1,325)
Net cash used in investing activities (28,814) (18,746) (39,305)
CASH FLOWS FROM FINANCING ACTIVITIES      
Net change in deposits 77,048 23,239 42,474
Net change in short-term borrowings 1,474 (2,065) (9,262)
Proceeds from other borrowings     10,000
Repayment of other borrowings (2,195) (2,884) (10,976)
Cash dividends paid (2,962) (2,688) (2,304)
Issuance of treasury stock 4    
Net cash provided by financing activities 73,369 15,602 29,932
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 56,453 9,144 (418)
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR 45,564 36,420 36,838
CASH AND CASH EQUIVALENTS AT END OF YEAR 102,017 45,564 36,420
Cash paid during the year for:      
Interest 4,023 2,888 1,973
Income taxes 2,725 2,375 3,320
Noncash investing activities:      
Transfer of loans to other real estate owned   $ 119  
Purchase of bank-owned life insurance     $ 2,500
Lease adoption:      
Right of use lease asset 477    
Lease liability $ 469