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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Cash flows from operating activities:      
Net income $ 3,414 $ 7,282 $ 8,599
Adjustments to reconcile net income to net cash provided by operating activities:      
Provision for loan losses 1,765 1,425 250
Depreciation expense 1,735 1,782 1,810
Net amortization of investment securities, premiums, and discounts 1,664 1,903 1,317
Stock based compensation expense 3 17 10
Change in fair value of mortgage servicing rights 93 529 301
Gain on sale of investment securities (5) (602) (8)
Loss (gain) on sales and dispositions of premises and equipment 123 (1) (8)
Gain on sales and dispositions of other real estate owned and repossessed assets (45) (207) (156)
Provision for other real estate owned 284 213 17
Increase in accrued interest receivable (444) (330) (37)
Increase in cash surrender value - life insurance (75) (61) (64)
Decrease in other assets 21 10 1,212
Increase (decrease) in income tax receivable (829) 307 621
Decrease in deferred tax asset due to tax reform reclass 4,105 0 0
Increase in accrued interest payable 56 116 9
Increase in other liabilities 923 387 911
Origination of mortgage loans for sale (33,245) (36,017) (51,307)
Proceeds from the sale of mortgage loans 33,794 37,896 51,503
Gain on sale of mortgage loans, net (770) (851) (1,386)
Other, net (88) (267) (252)
Net cash provided by operating activities 12,479 13,531 13,342
Cash flows from investing activities:      
Net increase in certificates of deposit in other banks (2,460) 0 0
Net increase in loans (95,355) (112,353) (9,226)
Purchase of available-for-sale debt securities (64,611) (113,357) (102,367)
Proceeds from maturities of available-for-sale debt securities 31,053 51,855 36,143
Proceeds from calls of available-for-sale debt securities 8,175 17,855 26,840
Proceeds from sales of available-for-sale debt securities 11,653 60,720 720
Proceeds from sales of FHLB stock 1,242 0 1,600
Purchases of FHLB stock (2,483) (1,759) (4,915)
Purchases of premises and equipment (1,266) (1,262) (872)
Proceeds from sales of premises and equipment 12 9 11
Proceeds from sales of other real estate owned and repossessed assets 1,115 4,057 1,836
Net cash used by investing activities (112,925) (94,235) (50,230)
Cash flows from financing activities:      
Net increase in demand deposits 9,405 27,940 335
Net increase (decrease) in interest-bearing transaction accounts 115,737 27,651 (1,051)
Net (decrease) increase in time deposits (9,996) 7,878 (21,601)
Net (decrease) increase in federal funds purchased and securities sold under agreements to repurchase (3,947) (25,327) 38,864
Repayment of FHLB advances (183,188) (24,000) (85,000)
FHLB advances 211,670 66,900 92,000
Purchase of treasury stock (878) (623) (33)
Cash dividends paid - common stock (1,474) (1,097) (1,058)
Net cash provided by financing activities 137,329 79,322 22,456
Net increase (decrease) in cash and cash equivalents 36,883 (1,382) (14,432)
Cash and cash equivalents, beginning of year 25,995 27,377 41,809
Cash and cash equivalents, end of year 62,878 25,995 27,377
Cash paid during the year for:      
Interest 7,951 5,547 4,992
Income taxes 3,975 3,760 3,509
Supplemental schedule of noncash investing and financing activities:      
Other real estate and repossessions acquired in settlement of loans $ 374 $ 2,233 $ 5,804