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Consolidated Statements of Cash Flows (unaudited) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2025
Mar. 31, 2025
Dec. 31, 2024
Sep. 30, 2024
Jun. 30, 2024
Mar. 31, 2024
Jun. 30, 2025
Jun. 30, 2024
Dec. 31, 2024
Cash flows from operating activities:                  
Net income attributable to common stockholders $ 3,270 $ 3,197 $ 2,702 $ 3,286 $ 3,675 $ 4,088 $ 6,467 $ 7,763  
Adjustments to reconcile net income to net cash provided by operating activities:                  
Net accretion on debt securities             (18) (39)  
Depreciation expense             1,044 1,113  
Provision for credit losses 1,350       (1,525)   1,100 (2,325)  
Net (gains) losses on equity securities             (109) 491  
Increase in mortgage servicing rights resulting from transfers of financial assets             (173) (130)  
Mortgage servicing rights amortization             288 264  
Amortization of intangible assets 179       179   358 358  
Stock based compensation expense             102 316  
(Increase) decrease in deferred income taxes             (152) 355  
Increase in cash surrender value of life insurance             (392) (560)  
Net gains from disposals of foreclosed and repossessed assets             (11) (18)  
Provision for valuation allowance on foreclosed properties             15 0  
Gain on sale of loans held for sale, net             (1,419) (1,246)  
Proceeds from sale of loans held for sale             37,074 28,441  
Originations of loans held for sale             (40,389) (21,697)  
Proceeds from insurance claim on foreclosed and repossessed assets             0 27  
Amortization of debt issuance costs             116 116  
Net change in:                  
Accrued interest receivable and other assets             423 (709)  
Other liabilities             (3,117) 1,750  
Total adjustments             (5,260) 6,507  
Net cash from operating activities             1,207 14,270  
Cash flows from investing activities:                  
Proceeds from Bank Owned Life Insurance ("BOLI") death benefit             0 499  
Purchase of available for sale securities             (1,948) 0  
Proceeds from principal payments and maturities of available for sale securities             8,874 7,045  
Proceeds from calls of available for sale securities             3,200 0  
Proceeds from principal payments and maturities of held to maturity securities             2,468 2,618  
Equity investment capital distribution             0 170  
Purchase of equity investments             (930) (150)  
Net sales of other investments             121 1,847  
Proceeds from sales of foreclosed and repossessed assets             43 201  
Net decrease in loans             23,032 32,726  
Net capital expenditures             (326) (527)  
Proceeds from disposal of office properties and equipment             0 13  
Net cash from investing activities             34,534 44,442  
Cash flows from financing activities:                  
Change in short term Federal Home Loan Bank advances, net             0 (27,500)  
Federal Home Loan Bank advance call payments             0 (10,000)  
Federal Home Loan Bank advance long-term maturities             (5,000) (10,530)  
Other borrowings principal reductions             0 (6,083)  
Net (decrease) increase in deposits             (9,732) 448  
Repurchase shares of common stock             0 (1,834)  
Surrender of restricted shares of common stock             (190) (119)  
Common stock options exercised             61 0 $ 22
Cash dividends paid             (3,598) (3,346)  
Net cash from financing activities             (18,459) (58,964)  
Net increase (decrease) in cash and cash equivalents             17,282 (252)  
Cash and cash equivalents at beginning of period   $ 50,172   $ 36,886   $ 37,138 50,172 37,138 37,138
Cash and cash equivalents at end of period $ 67,454   $ 50,172   $ 36,886   67,454 36,886 $ 50,172
Cash paid during the period for:                  
Interest on deposits             15,493 14,897  
Interest on borrowings             1,687 3,044  
Income taxes             1,093 1,487  
Supplemental noncash disclosure:                  
Transfers from loans receivable to other real estate owned ("OREO")             $ 0 $ 73