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Consolidated Statement of Cash Flows (Unaudited) - USD ($)
 9 Months Ended
Sep. 30, 2024
Sep. 30, 2023
OPERATING ACTIVITIES    
Net income $ 10,671,000 $ 13,825,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for credit losses 2,185,000 2,449,000
Loss on equity securities [1] 65,000 157,000
Software amortization expense 117,000 73,000
Amortization of premium and discount on investment securities, net 421,000 453,000
Amortization of core deposit intangibles 773,000 794,000
Depreciation, amortization, and accretion, net (47,000) (100,000)
Stock-based compensation, net 482,000 78,000
Origination of loans held for sale (5,638,000) (4,549,000)
Proceeds from sale of loans held for sale 5,524,000 3,991,000
Gain on sale of loans held for sale (135,000) (74,000)
Earnings on bank-owned life insurance [1] (700,000) (627,000)
Deferred income tax (benefit) (45,000) 485,000
Gains on other real estate owned 0 (2,000)
Decrease (increase) in accrued interest receivable 265,000 (1,002,000)
Increase in accrued interest payable 3,950,000 1,607,000
Other, net (3,078,000) (2,941,000)
Net cash provided by operating activities 14,809,000 14,617,000
INVESTING ACTIVITIES    
Proceeds from repayments and maturities 1,871,000 1,680,000
Purchases (1,898,000) (2,000,000)
Purchase of other investments (5,000) (200,000)
Increase in loans, net (26,460,000) (99,059,000)
Proceeds from the sale of other real estate owned 0 31,000
Proceeds from bank-owned life insurance 0 289,000
Purchase of premises and equipment (368,000) (1,058,000)
Purchase of restricted stock (723,000) (5,507,000)
Redemption of restricted stock 2,691,000 4,237,000
Net cash used in investing activities (24,892,000) (101,587,000)
FINANCING ACTIVITIES    
Net increase in deposits 86,167,000 55,157,000
Net (decrease) increase in short-term borrowings (57,000,000) 53,000,000
Repayment of other borrowings (151,000) (147,000)
Repurchase of common shares (1,055,000) (4,506,000)
Cash dividends (4,841,000) (4,841,000)
Net cash provided by financing activities 23,120,000 98,663,000
Increase in cash and cash equivalents 13,037,000 11,693,000
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD 60,836,000 53,809,000
CASH AND CASH EQUIVALENTS AT END OF PERIOD 73,873,000 65,502,000
SUPPLEMENTAL INFORMATION    
Interest on deposits and borrowings 26,749,000 14,777,000
Income taxes 2,130,000 2,168,000
Noncash investing transactions:    
Purchased loan fair value adjustment $ 0 $ 4,462,000
[1] Not within scope of ASC 606