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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Cash Flows from Operating Activities:    
Net income $ 2,922,000 $ 9,440,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for credit losses on loans 350,000 350,000
Reversal of credit losses on unfunded loan commitments 0 (174,000)
Noncash contribution expense to employee stock ownership plan 425,000 423,000
Noncash director compensation expense 259,000 150,000
Stock-based compensation expense 205,000 161,000
Amortization of core deposit intangible 251,000 345,000
Amortization of investment security premiums, net of accretion of discounts 1,277,000 1,964,000
Accretion of discounts on acquired loans, net (98,000) (168,000)
Net change in deferred loan origination costs/fees 34,000 (324,000)
Depreciation and amortization 388,000 882,000
Loss on disposal of premises and equipment 19,000 0
Earnings on bank-owned life insurance policies (435,000) (705,000)
Net changes in interest receivable and other assets 1,082,000 (203,000)
Net changes in interest payable and other liabilities (2,353,000) 1,303,000
Total adjustments 1,404,000 4,004,000
Net cash provided by operating activities 4,326,000 13,444,000
Cash Flows from Investing Activities:    
Proceeds from paydowns/maturities of held-to-maturity securities 10,252,000 13,634,000
Proceeds from paydowns/maturities of available-for-sale securities 10,057,000 19,288,000
Increase (decrease) in loans receivable, net 18,690,000 (19,072,000)
Purchase of bank-owned life insurance policies (1,210,000) 0
Purchase of premises and equipment (161,000) (1,438,000)
Cash paid for low income housing tax credit investment (1,000) (38,000)
Net cash provided by investing activities 37,627,000 12,374,000
Cash Flows from Financing Activities:    
Net decrease in deposits (5,973,000) (322,774,000)
(Repayment of) proceeds from short-term borrowings, net (26,000,000) 293,400,000
Repayment of finance lease obligations (38,000) (37,000)
Proceeds from stock options exercised 0 230,000
Restricted stock surrendered for tax withholdings upon vesting (55,000) (65,000)
Cash dividends paid on common stock (4,042,000) (4,012,000)
Proceeds from stock issued under employee and director stock purchase plans 10,000 9,000
Net cash used in financing activities (36,098,000) (33,249,000)
Net increase (decrease) in cash, cash equivalents and restricted cash 5,855,000 (7,431,000)
Cash, cash equivalents and restricted cash at beginning of period 30,453,000 45,424,000
Cash, cash equivalents and restricted cash at end of period 36,308,000 37,993,000
Supplemental disclosure of cash flow information:    
Interest paid on deposits and borrowings 11,087,000 4,290,000
Income taxes paid, net of refunds 0 0
Supplemental disclosure of noncash investing and financing activities:    
Change in net unrealized gains or losses on available-for-sale securities (4,568,000) 16,213,000
Amortization of net unrealized loss on available-for-sale securities transferred to held-to-maturity 361,000 463,000
Bank-owned life insurance benefit receivable 0 765,000
Restricted cash [1] $ 0 $ 0
[1] Restricted cash includes reserve requirements held with the Federal Reserve Bank of San Francisco and other cash pledged. The Federal Reserve reduced the reserve requirement ratios to zero percent effective March 26, 2020.