Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2023	Mar. 31, 2022
Cash flows from operating activities:
Net income		$ 3,271	$ 6,609
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for (release of) credit losses on loans and unfunded commitments	[1]	680	(2,500)
Depreciation expense		540	545
Net amortization of investment securities, premiums, and discounts		276	378
Change in fair value of mortgage servicing rights		(29)	48
Investment securities (gains) losses, net		(8)	4
Gain on sales and dispositions of premises and equipment		(132)	0
Gain on sales and dispositions of other real estate		(9)	(8)
Decrease in accrued interest receivable		665	380
Increase in cash surrender value - life insurance		(15)	(15)
Decrease in other assets		102	329
Decrease in operating lease liabilities		(79)	(74)
Increase in accrued interest payable		700	16
Decrease in other liabilities		(1,398)	(2,567)
Origination of mortgage loans held for sale		(20,910)	(26,935)
Proceeds from the sale of mortgage loans held for sale		20,238	29,085
Gain on sale of mortgage loans, net		(496)	(888)
Net cash provided by operating activities		3,396	4,407
Cash flows from investing activities:
Proceeds from maturities of certificates of deposit in other banks		739	490
Net increase in loans		(20,903)	(31,812)
Purchase of available-for-sale debt securities		(8,505)	(14,581)
Proceeds from maturities of available-for-sale debt securities		4,427	11,284
Proceeds from calls of available-for-sale debt securities		610	2,250
Purchases of FHLB stock		(137)	(178)
Proceeds from sales of FHLB stock		258	92
Purchases of premises and equipment		(226)	(1,417)
Proceeds from sales of premises and equipment		126	0
Proceeds from sales of other real estate and repossessed assets		557	723
Net cash used in investing activities		(23,054)	(33,149)
Cash flows from financing activities:
Net decrease in demand deposits		(9,006)	(2,841)
Net decrease in interest-bearing transaction accounts		(106,419)	(66,194)
Net increase in time deposits		91,358	8,358
Net decrease in federal funds purchased and securities sold under agreements to repurchase		(72)	(18,315)
Repayment of FHLB advances and other borrowings		(5,500)	(61)
FHLB advances		500	0
Purchase of treasury stock		0	(606)
Cash dividends paid - common stock		(1,150)	(993)
Net cash used in financing activities		(30,289)	(80,652)
Net decrease in cash and cash equivalents		(49,947)	(109,394)
Cash and cash equivalents, beginning of period		83,720	159,909
Cash and cash equivalents, end of period		33,773	50,515
Cash paid during the period for:
Interest		6,285	1,275
Income taxes		0	0
Noncash investing and financing activities:
Other real estate and repossessed assets acquired in settlement of loans net of (charge-offs)		$ 0	$ (52)

[1] Prior to adoption of ASU No 2016-13 on January 1, 2023, credit losses were estimated using the incurred loss approach. See accompanying notes to the consolidated financial statements (unaudited).