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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2020
Dec. 31, 2019
Dec. 31, 2018
CASH FLOWS FROM OPERATING ACTIVITIES      
Net income $ 10,144 $ 10,338 $ 9,266
Adjustments to reconcile net income to cash and cash equivalents provided by operating activities:      
Amortization of premium and accretion of discount on securities, net 2,163 1,764 1,689
Depreciation and amortization expense 1,200 1,070 1,215
Deferred income taxes (79) 482 (395)
Stock compensation expense 381 288 192
Increase in cash value of life insurance (210) (211) (227)
Gain on life insurance 0 0 (94)
Loss on sale of available for sale securities and time deposits 0 147 95
Provision for loan losses 1,801 1,425 1,168
Proceeds from sale of loans 142,812 70,619 55,189
Loans originated for sale (143,861) (70,755) (54,308)
Gain on sale of loans (2,716) (1,191) (1,100)
Amortization of tax credit investment 338 361 329
Impairment loss on tax credit investment 0 0 270
Unrealized (gain) loss on equity securities 194 (32) 207
Net realized and unrealized loss on foreclosed real estate 4 170 442
Net unrealized loss on premises and equipment 13 0 0
Increase in accrued interest receivable (358) (248) (134)
Increase (decrease) in accrued interest payable (57) 60 43
Net change in other assets/liabilities 291 (210) (499)
Net Cash Provided By Operating Activities 12,060 14,077 13,348
CASH FLOWS FROM INVESTING ACTIVITIES      
Net decrease in interest-bearing time deposits 94 1,207 1,548
Purchase of securities available for sale (104,392) (69,260) (37,350)
Proceeds from maturities of securities available for sale 32,647 30,575 3,325
Proceeds from sales of securities available for sale 0 21,725 14,345
Principal collected on mortgage-backed obligations 46,691 29,679 25,338
Investment in cash value of life insurance 0 0 (1,000)
Net increase in loans receivable (35,705) (33,973) (25,906)
Investment in tax credit entities (1,380) (1,203) (1,095)
Purchase of Federal Home Loan Bank stock 0 0 (9)
Proceeds from sale of foreclosed real estate 233 3,116 483
Purchase of premises and equipment (602) (2,973) (402)
Purchase of equity investment 0 0 (1,922)
Proceeds from settlement of bank-owned life insurance policies 0 0 545
Net Cash Used In Investing Activities 62,414 21,107 22,100
CASH FLOWS FROM FINANCING ACTIVITIES      
Net increase in deposits 178,284 20,531 37,084
Net decrease in advances from Federal Home Loan Bank 0 0 (10,000)
Purchase of treasury stock 13 2 32
Taxes paid on stock award shares for employees (134) (42) (2)
Cash dividends paid (3,255) (3,209) (3,101)
Net Cash Provided By Financing Activities 174,882 17,278 23,949
Net Increase in Cash and Cash Equivalents 124,528 10,248 15,197
Cash and cash equivalents at beginning of year 51,360 41,112 25,915
Cash and Cash Equivalents at End of Year $ 175,888 $ 51,360 $ 41,112