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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2023
Mar. 31, 2022
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 3,819 $ 2,530
Adjustments to reconcile net income to net cash and cash equivalents provided by operating activities:    
Amortization of premiums and accretion of discounts on securities, net 429 570
Depreciation and amortization expense 254 274
Deferred income taxes (51) (106)
Stock compensation expense 84 98
Increase in cash value of life insurance (45) (50)
Provision for credit losses 193 175
Proceeds from sales of loans 6,035 18,262
Loans originated for sale (5,732) (17,558)
Gain on sale of loans (86) (335)
Amortization of tax credit investment 89 89
Unrealized gain on equity securities (137) (63)
Net realized and unrealized gain on foreclosed real estate 0 (15)
Decrease (increase) in accrued interest receivable 129 (19)
Increase (decrease) in accrued interest payable 95 (22)
Net change in other assets/liabilities 178 (528)
Net Cash Provided By Operating Activities 5,254 3,302
CASH FLOWS FROM INVESTING ACTIVITIES    
Net decrease in interest-bearing time deposits 1 251
Purchase of securities available for sale (6,289) (25,483)
Purchase of securities held to maturity 0 (5,000)
Proceeds from maturities of securities available for sale 1,480 2,501
Principal collected on mortgage-backed obligations 3,921 6,664
Net increase in loans receivable (8,372) (22,826)
Investment in technology fund (100) 0
Proceeds from sale of foreclosed real estate 0 39
Proceeds from redemption of Federal Home Loan Bank stock 0 152
Purchase of premises and equipment (132) (59)
Net Cash Used In Investing Activities (9,491) (43,761)
CASH FLOWS FROM FINANCING ACTIVITIES    
Net (decrease) increase in deposits (24,946) 36,517
Purchase of treasury stock (327) 0
Dividends paid (907) (877)
Net Cash (Used In) Provided By Financing Activities (26,180) 35,640
Net Decrease in Cash and Cash Equivalents (30,417) (4,819)
Cash and cash equivalents at beginning of period 66,298 172,509
Cash and Cash Equivalents at End of Period $ 35,881 $ 167,690