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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
CASH FLOWS FROM OPERATING ACTIVITIES      
Net income $ 12,803 $ 11,915 $ 11,437
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 1,583 2,013 2,223
Depreciation and amortization expense 1,028 1,070 1,143
Deferred income taxes (698) (118) (131)
Stock compensation expense 252 436 487
Increase in cash value of life insurance (206) (201) (219)
Gain on sale of securities (40) 0 (7)
Provision for (recapture of) credit losses 1,141 950 (325)
Proceeds from sales of loans 32,004 51,689 136,414
Loans originated for sale (31,590) (49,236) (128,447)
Gain on sale of loans (421) (833) (2,439)
Amortization of tax credit investment 1,990 355 355
Unrealized loss (gain) on equity securities 207 414 (328)
Net realized and unrealized (gain) loss on foreclosed real estate 0 (15) 5
(Increase) decrease in accrued interest receivable (503) (855) 4
Increase (decrease) in accrued interest payable 1,086 26 (56)
Net change in other assets/liabilities (4,473) (1,079) 1,515
Net Cash Provided By Operating Activities 14,163 16,531 21,631
CASH FLOWS FROM INVESTING ACTIVITIES      
Net (increase) decrease in interest-bearing time deposits (243) 1,162 1,550
Purchase of securities available for sale (37,229) (94,325) (252,292)
Purchase of securities held to maturity 0 (5,000) (2,000)
Proceeds from maturities of securities available for sale 37,990 7,916 42,164
Proceeds from sales of securities available for sale 20,641 0 1,798
Principal collected on mortgage-backed obligations 15,816 22,150 35,611
Proceeds from sale of equity securities 156 0 0
Net (increase) decrease in loans receivable (58,217) (75,609) 17,283
Investment in tax credit entities (2,048) 0 (280)
Investment in technology fund (250) (100) (120)
Proceeds from sale of foreclosed real estate 64 39 45
Proceeds from redemption of Federal Home Loan Bank stock 0 152 0
Proceeds from sale of premises and equipment 0 0 65
Purchase of premises and equipment (627) (415) (288)
Net Cash Used In Investing Activities (23,947) (144,030) (156,464)
CASH FLOWS FROM FINANCING ACTIVITIES      
Net (decrease) increase in deposits (35,185) 24,834 135,101
Advances from FHLB and BTFP 354,500 0 0
Repayment of advances from the FHLB and BTFP (333,000) 0 0
Purchase of treasury stock (502) 0 (40)
Taxes paid on stock award shares for employees (23) (26) (85)
Dividends paid (3,634) (3,520) (3,522)
Net Cash (Used In) Provided By Financing Activities (17,844) 21,288 131,454
Net Decrease in Cash and Cash Equivalents (27,628) (106,211) (3,379)
Cash and cash equivalents at beginning of year 66,298 172,509 175,888
Cash and Cash Equivalents at End of Year $ 38,670 $ 66,298 $ 172,509