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Consolidated Statements of Cash Flows (unaudited) - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Cash flows from operating activities:    
Net income $ 13,659 $ 8,399
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for credit losses on loans and unfunded commitments 726 790
Depreciation expense 1,413 1,608
Net amortization of investment securities, premiums, and discounts 618 772
Change in fair value of mortgage servicing rights 0 52
Investment securities losses (gains), net 7 (18)
Gain on sales and dispositions of premises and equipment (69) (154)
Gain on sales and dispositions of other real estate (356) (49)
(Release of) provision for valuation allowance for other real estate owned (386) 4,643
Share-based compensation expense 119 0
Increase in cash surrender value - life insurance (887) (43)
Decrease (increase) in other assets 4,053 (1,134)
Decrease in operating lease liabilities (178) (238)
Increase in other liabilities 1,369 146
Origination of mortgage loans held for sale (40,640) (84,821)
Proceeds from the sale of mortgage loans held for sale 44,995 84,382
Gain on sale of mortgage loans, net (786) (2,014)
Net cash provided by operating activities 23,657 12,321
Cash flows from investing activities:    
Purchase of certificates of deposit in other banks (1,000) 0
Proceeds from maturities of certificates of deposit in other banks 0 2,219
Purchase of bank-owned life insurance (35,000) 0
Net decrease (increase) in loans 66,224 (35,469)
Purchase of available-for-sale debt securities (32,919) (9,468)
Proceeds from maturities of available-for-sale debt securities 7,996 15,252
Proceeds from calls of available-for-sale debt securities 12,256 615
Purchases of FHLB stock (792) (13,838)
Proceeds from sales of FHLB stock 1,358 13,204
Purchases of premises and equipment (2,072) (1,384)
Proceeds from sales of premises and equipment 425 158
Proceeds from sales of other real estate and repossessed assets 3,282 681
Net cash provided by (used in) investing activities 19,758 (28,030)
Cash flows from financing activities:    
Net decrease in demand deposits (11,602) (28,338)
Net decrease in interest-bearing transaction accounts (34,498) (121,011)
Net (decrease) increase in time deposits (21,240) 97,635
Net increase in federal funds purchased and securities sold under agreements to repurchase 0 1,009
Repayment of FHLB advances and other borrowings (25,203) (328,890)
FHLB advances 14,728 342,890
Purchase of treasury stock (1,106) 0
Cash dividends paid - common stock (3,720) (3,452)
Net cash used in financing activities (82,641) (40,157)
Net decrease in cash and cash equivalents (39,226) (55,866)
Cash and cash equivalents, beginning of period 93,450 83,720
Cash and cash equivalents, end of period 54,224 27,854
Cash paid during the period for:    
Interest 28,197 22,501
Income taxes 0 1,925
Non-cash investing and financing activities:    
Transfer of loans to other real estate and repossessed assets 3,490 44
Right of use assets obtained in exchange for new operating lease liabilities 723 0
Dividends declared not paid - common stock 1,327 1,197
Stock dividends $ 0 $ 6,005