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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
CASH FLOWS FROM OPERATING ACTIVITIES    
Net Income $ 3,238,000 $ 2,955,000
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 220,000 312,000
Depreciation and amortization expense 281,000 265,000
Deferred income taxes (96,000) (207,000)
Stock compensation expense 38,000 78,000
Increase in cash value of life insurance (72,000) (48,000)
Loss (gain) on sale of securities 55,000 (32,000)
Provision for credit losses 338,000 280,000
Proceeds from sales of loans 4,812,000 6,311,000
Loans originated for sale (4,592,000) (6,169,000)
Gain on sale of loans (89,000) (101,000)
Amortization of tax credit investment 384,000 577,000
Unrealized (gain) loss on equity securities (18,000) 68,000
Loss on disposal of premises and equipment (58,000) (0)
Decrease in accrued interest receivable 17,000 346,000
(Decrease) increase in accrued interest payable (163,000) 189,000
Net change in other assets/liabilities (24,000) 2,395,000
Net Cash Provided By Operating Activities 4,387,000 7,219,000
CASH FLOWS FROM INVESTING ACTIVITIES    
Net decrease in interest-bearing time deposits 0 735,000
Purchase of securities available for sale (30,783,000) (27,030,000)
Proceeds from maturities of securities available for sale 15,385,000 9,475,000
Proceeds from sales of securities available for sale 11,192,000 19,189,000
Principal collected on mortgage-backed obligations 6,617,000 5,140,000
Net increase in loans receivable (12,080,000) (7,248,000)
Investment in tax credit entities (291,000) 0
Purchase of premises and equipment (220,000) (159,000)
Net Cash (Used In) Provided By Investing Activities (10,180,000) 102,000
CASH FLOWS FROM FINANCING ACTIVITIES    
Net increase (decrease) in deposits 17,482,000 (15,119,000)
Advances from FHLB and BTFP 0 107,750,000
Repayment of advances from the FHLB and BTFP 0 (95,625,000)
Purchase of treasury stock (9,000) 0
Dividends paid (974,000) (905,000)
Net Cash Provided By (Used In) Provided By Financing Activities 16,499,000 (3,899,000)
Net Increase in Cash and Cash Equivalents 10,706,000 3,422,000
Cash and cash equivalents at beginning of period 105,917,000 38,670,000
Cash and Cash Equivalents at End of Period $ 116,623,000 $ 42,092,000