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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
 9 Months Ended
Sep. 30, 2024
Sep. 30, 2023
CASH FLOWS FROM OPERATING ACTIVITIES    
Net Income $ 8,688,000 $ 9,690,000
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 844,000 1,210,000
Depreciation and amortization expense 809,000 767,000
Deferred income taxes (440,000) (264,000)
Stock compensation expense 168,000 198,000
Increase in cash value of life insurance (161,000) (158,000)
Gain on sale of securities (32,000) (49,000)
Provision for credit losses 1,103,000 833,000
Proceeds from sales of loans 24,844,000 23,799,000
Loans originated for sale (24,328,000) (24,049,000)
Gain on sale of loans (394,000) (317,000)
Amortization of tax credit investment 1,393,000 1,249,000
Unrealized loss on equity securities 270,000 86,000
Decrease (increase) in accrued interest receivable 570,000 (32,000)
Increase in accrued interest payable 1,293,000 1,383,000
Net change in other assets/liabilities 3,654,000 (1,140,000)
Net Cash Provided By Operating Activities 18,281,000 13,206,000
CASH FLOWS FROM INVESTING ACTIVITIES    
Net decrease (increase) in interest-bearing time deposits 1,225,000 (488,000)
Purchase of securities available for sale (47,794,000) (32,839,000)
Proceeds from maturities of securities available for sale 46,188,000 17,630,000
Proceeds from sales of securities available for sale 19,189,000 20,202,000
Principal collected on mortgage-backed obligations 17,750,000 11,971,000
Proceeds from sale of equity securities 0 156,000
Net increase in loans receivable (17,301,000) (45,819,000)
Investment in tax credit entities (88,000) (148,000)
Investment in technology fund (100,000) (200,000)
Proceeds from sale of foreclosed real estate 0 64,000
Purchase of premises and equipment (394,000) (442,000)
Net Cash Provided By (Used In) Investing Activities 18,675,000 (29,913,000)
CASH FLOWS FROM FINANCING ACTIVITIES    
Net increase (decrease) in deposits 5,038,000 (42,905,000)
Advances from FHLB and BTFP 167,750,000 130,000,000
Repayment of advances from the FHLB and BTFP (155,625,000) (102,000,000)
Purchase of treasury stock (41,000) (502,000)
Taxes paid on stock award shares for employees (13,000) (23,000)
Dividends paid (2,796,000) (2,731,000)
Net Cash Provided by (Used In) Financing Activities 14,313,000 (18,161,000)
Net Increase (Decrease) in Cash and Cash Equivalents 51,269,000 (34,868,000)
Cash and cash equivalents at beginning of period 38,670,000 66,298,000
Cash and Cash Equivalents at End of Period $ 89,939,000 $ 31,430,000