22.OTHER COMPREHENSIVE INCOME

OCI components and related tax effects were as follows:


Years Ended December 31, (in thousands)	2019		2018		2017

Available-for-Sale Debt Securities:
Change in unrealized (loss) gain on AFS debt securities	$	5,689	$	(1,548)	$	(1,265)
Adjustment for adoption of ASU 2016-01		—		(428)		—
Reclassification adjustment for net (gain) loss on AFS debt securities recognized in earnings		—		—		136
Change in unrealized gain on AFS debt security for which a portion of OTTI has been recognized in earnings		(79)		(20)		298
Net unrealized (losses) gains		5,610		(1,996)		(831)
Tax effect		(1,348)		420		377
Net of tax		4,262		(1,576)		(454)

Cash Flow Hedges:
Change in fair value of derivatives used for cash flow hedges		(199)		178		83
Reclassification amount for net derivative losses realized in income		(20)		28		219
Net unrealized gains		(219)		206		302
Tax effect		52		(43)		(119)
Net of tax		(167)		163		183

Total other comprehensive (loss) income components, net of tax	$	4,095	$	(1,413)	$	(271)

Amounts reclassified out of each component of accumulated OCI for the years ended December 31, 2019, 2018, and 2017:



		Amounts Reclassified From
	Affected Line Items	Accumulated Other
	in the Consolidated	Comprehensive Income
Years Ended December 31, (in thousands)	Statements of Income	2019		2018		2017

Available for Sale Debt Securities:
Net losses on debt securities	Noninterest income	$	—	$	—	$	(136)
Tax effect	Income tax expense		—		—		48
Net of tax	Net income		—		—		(88)

Cash Flow Hedges:
Interest rate swap on money market deposits	Interest benefit (expense) on deposits		10		(18)		(109)
Interest rate swap on FHLB advance	Interest benefit (expense) on FHLB advances		10		(10)		(110)
Total derivative gains (losses) on cash flow hedges	Total interest benefit (expense)		20		(28)		(219)
Tax effect	Income tax (benefit) expense		(5)		6		77
Net of tax	Net income		15		(22)		(142)

Net of tax, total all reclassification amounts	Net income	$	15	$	(22)	$	(230)

The following is a summary of the accumulated OCI balances, net of tax:


			2019
(in thousands)	December 31, 2018		Change		December 31, 2019

Unrealized gain (loss) on AFS debt securities	$	(2,165)	$	4,376	$	2,211
Unrealized gain (loss) on AFS debt security for which a portion of OTTI has been recognized in earnings		1,078		(114)		964
Unrealized gain (loss) on cash flow hedges		90		(167)		(77)
Total unrealized (loss) gain	$	(997)	$	4,095	$	3,098


			2018
(in thousands)	December 31, 2017		Change		December 31, 2018

Unrealized loss on AFS debt securities	$	(604)	$	(1,561)	$	(2,165)
Unrealized gain (loss) on AFS debt security for which a portion of OTTI has been recognized in earnings		1,093		(15)		1,078
Unrealized gain (loss) on cash flow hedges		(73)		163		90
Total unrealized gain (loss)	$	416	$	(1,413)	$	(997)