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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2018
Dec. 31, 2017
Dec. 31, 2016
Cash flows from operating activities:      
Net income $ 10,714 $ 3,414 $ 7,282
Adjustments to reconcile net income to net cash provided by operating activities:      
Provision for loan losses 1,475 1,765 1,425
Depreciation expense 1,797 1,735 1,782
Net amortization of investment securities, premiums, and discounts 1,506 1,664 1,903
Stock based compensation expense 0 3 17
Change in fair value of mortgage servicing rights 27 93 529
Investment securities gain, net (255) (5) (602)
Loss on sales and dispositions of premises and equipment 3 123 (1)
Gain on sales and dispositions of other real estate and repossessed assets (14) (45) (207)
Provision for other real estate owned 26 284 213
(Increase) decrease in accrued interest receivable (535) (444) (330)
Increase in cash surrender value - life insurance (58) (75) (61)
Decrease (increase) in other assets 854 (808) 317
Decrease in deferred tax asset due to tax reform reclass 0 4,105 0
Increase (decrease) in accrued interest payable 481 56 116
Decrease in other liabilities 667 923 387
Origination of mortgage loans for sale (36,469) (33,245) (36,017)
Proceeds from the sale of mortgage loans 36,990 33,794 37,896
Gain on sale of mortgage loans, net (721) (770) (851)
Other, net (186) (88) (267)
Net cash provided by operating activities 16,302 12,479 13,531
Cash flows from investing activities:      
Purchase of certificates of deposit in other banks (8,787) (3,460) 0
Proceeds from maturities of certificates of deposit in other banks 0 1,000 0
Net increase in loans (79,298) (95,355) (112,353)
Purchase of available-for-sale debt securities (103,078) (64,611) (113,357)
Proceeds from maturities of available-for-sale debt securities 34,586 31,053 51,855
Proceeds from calls of available-for-sale debt securities 1,685 8,175 17,855
Proceeds from sales of available-for-sale debt securities 77,168 11,653 60,720
Purchases of FHLB stock (4,713) (2,483) (1,759)
Proceeds from sales of FHLB stock 5,591 1,242 0
Purchases of premises and equipment (2,326) (1,266) (1,262)
Proceeds from sales of premises and equipment 13 12 9
Proceeds from sales of other real estate and repossessed assets 585 1,115 4,057
Net cash used in investing activities (78,574) (112,925) (94,235)
Cash flows from financing activities:      
Net increase in demand deposits 17,477 9,405 27,940
Net increase in interest-bearing transaction accounts 29,572 115,737 27,651
Net increase (decrease) in time deposits 25,607 (9,996) 7,878
Net increase in federal funds purchased and securities sold under agreements to repurchase (2,913) (3,947) (25,327)
Repayment of FHLB advances and other borrowings (220,542) (183,188) (24,000)
FHLB advances 194,313 211,670 66,900
Issuance of stock under equity compensation plan 135 0 0
Purchase of treasury stock (179) (878) (623)
Cash dividends paid - common stock (1,993) (1,474) (1,097)
Net cash provided by financing activities 41,477 137,329 79,322
Net (decrease) increase in cash and cash equivalents (20,795) 36,883 (1,382)
Cash and cash equivalents, beginning of period 62,878    
Cash and cash equivalents, end of period 42,083 62,878  
Cash paid during the year for:      
Interest 12,719 7,951 5,547
Income taxes 241 3,975 3,760
Noncash investing and financing activities:      
Other real estate and repossessed assets acquired in settlement of loans 635 374 2,233
Other real estate transferred from other assets 471 0 0
Stock dividends $ 5,014 $ 4,166 $ 3,149