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v3.23.1

Consolidated Statements of Cash Flows - USD ($) $ in Thousands | 3 Months Ended
--- | ---
Mar. 31, 2023 | Mar. 31, 2022
Cash flows from operating activities: |  |
Net income | $ 1,595 | $ 982
Adjustments to reconcile net income to net cash provided by (used in) operating activities: |  |
Provision for credit losses | 88 | 148
Depreciation | 172 | 30
Net change of deferred loan origination costs | (223) | (148)
Net amortization of premiums & discounts on available-for-sale securities | (253) | 118
Amortization of purchase accounting marks on loans | 0 | (465)
Amortization of core deposit intangible | 98 | 109
Accretion of premium on FHLB advances | 1 | (11)
ESOP compensation expense | (202) | 18
Earnings on bank owned life insurance | (9) | (10)
Change in assets and liabilities: |  |
Net change in deferred taxes | 569 | 234
Net change in accrued interest receivable | (246) | 923
Net change in other assets | 42 | (3,524)
Net change in accrued expenses and other liabilities | 2,035 | (311)
Net cash provided by (used in) operating activities | 3,801 | (1,808)
Cash flows from investing activities: |  |
Net change in loans receivable held for investment | (9,681) | (4,396)
Principal payments on available-for-sale securities | 3,409 | 4,724
Purchase of available-for-sale securities | 0 | (26,908)
Purchase of FHLB stock | (1,765) | 0
Proceeds from redemption of FHLB stock | 0 | 351
Proceeds from redemption of FRB stock | 1,721 | 0
Purchase of office properties and equipment | (3) | (67)
Net cash used in investing activities | (6,319) | (26,296)
Cash flows from financing activities: |  |
Net change in deposits | (29,374) | 51,662
Net change in securities sold under agreements to repurchase | 7,470 | 4,043
Increase in unreleased ESOP shares | (2,500) | 0
Dividends paid on preferred stock | 0 | (15)
Proceeds from FHLB advances | 40,500 | 0
Repayments of FHLB advances | (35) | (13,000)
Net cash provided by financing activities | 16,061 | 42,690
Net change in cash and cash equivalents | 13,543 | 14,586
Cash and cash equivalents at beginning of the period | 16,105 | 231,520
Cash and cash equivalents at end of the period | 29,648 | 246,106
Supplemental disclosures of cash flow information: |  |
Cash paid for interest | 2,882 | 822
Cash paid for income taxes | 0 | 0
Supplemental non-cash disclosures: |  |
Common stock issued in exchange for preferred stock | 0 | 3,000
Directors [Member] |  |
Adjustments to reconcile net income to net cash provided by (used in) operating activities: |  |
Stock-based compensation expense | 96 | 84
Employees, Excluding Directors [Member] |  |
Adjustments to reconcile net income to net cash provided by (used in) operating activities: |  |
Stock-based compensation expense | $ 38 | $ 15

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- Definition Amount of noncash expense included in expense to (amortization) accretion of (premium) discount associated with the Federal Home Loan Bank (FHLB) advances. + References No definition available. + Details
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- Definition The sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by or used in operations using the indirect method. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 28 -URI https://asc.fasb.org/extlink&oid=126954810&loc=d3e3602-108585 + Details
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- Definition The net increase(decrease) in interest income during the period representing the allocation of deferred loan origination fees less deferred loan origination costs using the effective interest method over the term of the debt arrangement to which they pertain taking into account the effect of prepayments. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 20 -Section 35 -Paragraph 2 -URI https://asc.fasb.org/extlink&oid=126974470&loc=d3e8622-111531 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 28 -Subparagraph (b) -URI https://asc.fasb.org/extlink&oid=126954810&loc=d3e3602-108585 + Details
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- Definition The amount of expense recognized in the current period that reflects the allocation of the cost of tangible assets over the assets' useful lives. Includes production and non-production related depreciation. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 360 -SubTopic 10 -Section 50 -Paragraph 1 -Subparagraph (a) -URI https://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 230 -SubTopic 10 -Section 45 -Paragraph 28 -Subparagraph (b) -URI https://asc.fasb.org/extlink&oid=126954810&loc=d3e3602-108585 + Details
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