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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Operating Activities    
Net Income $ 11,470 $ 12,095
Items not requiring (providing) cash    
Depreciation and amortization 2,151 2,235
Provision for credit losses 124 315
Expense of share-based compensation plan 637 576
Amortization of premiums and discounts on securities 493 522
Amortization of intangible assets 66 90
Amortization of originated mortgage servicing rights 1,335 1,242
Impairment (recovery) of mortgage servicing rights (41) 50
Deferred income taxes 2,017 1,878
Proceeds from sale of loans held for sale 216,031 161,183
Originations of loans held for sale (217,822) (159,292)
Gain from sale of loans (4,710) (4,038)
Net gains on sales of securities (1,453)
Changes in    
Interest receivable (251) (566)
Other assets (2,656) 3,876
Interest payable & other liabilities 607 (4,724)
Net cash provided by operating activities 9,451 13,989
Investing Activities    
Purchases of available-for-sale securities (1,677) (723)
Proceeds from maturities of interest bearing time deposits 1,184 1,686
Purchase of interest bearing time deposits (1,214) (1,090)
Proceeds from maturities of available-for-sale securities 18,794 22,170
Net change in loans (46,773) (38,736)
Purchase of premises, equipment (1,229) (958)
Proceeds from bank owned life insurance 398
Purchase of bank owned life insurance (800)
Purchase of Federal Reserve and Federal Home Loan Bank Stock (953)
Proceeds from sale of Federal Reserve and Federal Home Loan Bank Stock 2,056
Proceeds from sale of foreclosed assets 711 816
Net cash used in investing activities (28,948) (17,390)
Financing Activities    
Net increase (decrease) in demand deposits, money market, interest checking & savings accounts 86,108 (81,089)
Net increase (decrease) in time deposits (3,708) 64,629
Net decrease in securities sold under agreements to repurchase (2,802) (1,536)
Proceeds from Federal Home Loan Bank advances 133,000 810,500
Repayment of Federal Home Loan Bank advances (181,600) (786,900)
Stock repurchase plan (4,768) (3,471)
Dividends on common shares (3,770) (3,584)
Net cash provided by (used in) financing activities 22,460 (1,451)
Increase (decrease) in cash and cash equivalents 2,963 (4,852)
Cash and cash equivalents, beginning of year 22,965 27,817
Cash and cash equivalents, end of year 25,928 22,965
Supplemental cash flow information    
Interest paid 24,519 17,205
Income taxes paid 417
Supplemental non-cash disclosure    
Transfer of loans to foreclosed assets $ 507