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Consolidated Statements of Cash Flows - USD ($) | 12 Months Ended
--- | ---
Dec. 31, 2020 | Dec. 31, 2019 | Dec. 31, 2018
Cash flows from operating activities: |  |  |
Net income | $ 15,613,000 | $ 7,171,000 | $ 7,333,000
Adjustments to reconcile net income to net cash from operating activities: |  |  |
Provision for loan losses | 4,000,000 | 0 | 35,000
Depreciation | 2,721,000 | 1,610,000 | 1,183,000
Amortization | 4,985,000 | 1,517,000 | 893,000
Compensation expense on employee and director stock purchases, stock options, and restricted stock units | 512,000 | 373,000 | 344,000
Net gains on sales of securities | (1,308,000) | (22,000) | (34,000)
Net change in market value of equity securities | 155,000 | 0 | (71,000)
Gains on sales of loans | (11,313,000) | (1,951,000) | (1,003,000)
Loans originated for sale | (326,286,000) | (63,920,000) | (33,555,000)
Proceeds from loan sales | 325,306,000 | 62,763,000 | 34,872,000
Earnings on bank-owned life insurance | (772,000) | (485,000) | (385,000)
Proceeds from BOLI policy | 0 | 605,000 | 0
Earnings on death benefit from bank-owned life insurance | 0 | (288,000) | 0
(Gains) on sales of other real estate owned | (64,000) | (54,000) | (79,000)
Write downs of ORE | 80,000 | 0 | 0
Proceeds from sales of other real estate owned | 1,384,000 | 938,000 | 515,000
Costs capitalized to other real estate | (19,000) | 0 | 0
Deferred federal income tax expense | 202,000 | 310,000 | 209,000
Net change in: |  |  |
Other assets | (3,186,000) | 2,128,000 | (875,000)
Changes in other liabilities | (3,532,000) | (1,493,000) | 573,000
Net cash provided by operating activities | 8,478,000 | 9,202,000 | 9,955,000
Cash flows from investing activities: |  |  |
Sales of securities available for sale | 121,942,000 | 178,450,000 | 2,634,000
Sales of equity securities | 0 | 463,000 | 91,000
Maturities, prepayments and calls of securities available for sale | 48,787,000 | 47,816,000 | 13,443,000
Purchases of securities available for sale | (375,670,000) | (209,763,000) | (31,450,000)
Purchase of Federal Reserve Bank stock | 0 | (1,000) | 0
Loan originations and payments, net | (79,594,000) | (485,000) | (24,366,000)
Additions to premises and equipment | (1,852,000) | (766,000) | (4,207,000)
Net cash (used in)/provided by investing activities | (250,751,000) | 36,352,000 | (43,855,000)
Cash flows from financing activities: |  |  |
Net change in deposits | 292,145,000 | 3,986,000 | 37,162,000
Net change in repurchase agreements | 0 | 0 | (7,148,000)
Net change in fed funds purchased | 0 | (8,600,000) | 4,800,000
Proceeds from borrowings | 10,050,000 | 115,000,000 | 128,500,000
Payments on borrowings | (33,921,000) | (110,035,000) | (143,535,000)
Repurchase of common stock | 0 | (67,000) | (523,000)
Issuance of common stock | 134,000 | 142,000 | 77,000
Cash dividends and fractional shares from merger | (6,174,000) | (5,815,000) | (2,580,000)
Cash related to equity issuance for merger | 0 | (297,000) | 0
Net cash provided by/(used in) financing activities | 262,234,000 | (5,686,000) | 16,753,000
Net change in cash and cash equivalents | 19,961,000 | 39,868,000 | (17,147,000)
Beginning cash | 59,558,000 | 19,690,000 | 36,837,000
Ending cash | 79,519,000 | 59,558,000 | 19,690,000
Supplemental disclosures of cash flow information: |  |  |
Cash paid for interest | 4,872,000 | 4,500,000 | 2,300,000
Cash paid for income taxes | 5,001,000 | 1,035,000 | 850,000
Loans transferred to other real estate owned | 372,000 | 347,000 | 432,000
Community Shores Bank Corporation [Member] |  |  |
Cash flows from investing activities: |  |  |
Cash received from merger | 35,636,000 | 0 | 0
County Bank Corp [Member] |  |  |
Cash flows from investing activities: |  |  |
Cash received from merger | $ 0 | $ 20,638,000 | $ 0

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- Definition Cash outflow in the form of capital distributions and dividends to common shareholders, preferred shareholders and noncontrolling interests. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 15 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=121586364&loc=d3e3291-108585 + Details
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- Definition The cash outflow to acquire debt and equity securities not classified as either held-to-maturity securities or trading securities which would be classified as available-for-sale securities and reported at fair value, with unrealized gains and losses excluded from earnings and reported in a separate component of shareholders' equity. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 320 -SubTopic 10 -Section 45 -Paragraph 11 -URI http://asc.fasb.org/extlink&oid=121553693&loc=d3e26853-111562 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 13 -Subparagraph (a),(b) -URI http://asc.fasb.org/extlink&oid=121586364&loc=d3e3213-108585 + Details
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- Definition Amount of cash outflow to acquire Federal Reserve Bank (FRB) stock. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 13 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=121586364&loc=d3e3213-108585 + Details
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