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v3.23.2

Consolidated Statements of Cash Flows - USD ($) $ in Thousands | 6 Months Ended
--- | ---
Jun. 30, 2023 | Jun. 30, 2022
Cash flows from operating activities: |  |
Net income | $ 1,841 | $ 2,835
Adjustments to reconcile net income to net cash provided by (used in) operating activities: |  |
Provision for (recapture of) credit losses | 810 | (429)
Depreciation | 323 | 573
Amortization of deferred loan origination costs, net | (460) | (376)
Net amortization of premiums and discounts on available-for-sale securities | (511) | 192
Amortization of purchase accounting marks on loans | (66) | (990)
Amortization of core deposit intangible | 195 | 217
Accretion of premium on FHLB advances | (6) | (20)
ESOP compensation expense | 22 | 45
Earnings on bank owned life insurance | (20) | (21)
Change in assets and liabilities: |  |
Net change in deferred taxes | 461 | 1,209
Net change in accrued interest receivable | (141) | 678
Net change in other assets | (595) | (1,039)
Net change in accrued expenses and other liabilities | 97 | (3,375)
Net cash provided by (used in) operating activities | 2,135 | (359)
Cash flows from investing activities: |  |
Net change in loans receivable held for investment | (58,668) | 3,440
Principal payments on available-for-sale securities | 6,821 | 9,231
Purchase of available-for-sale securities | 0 | (104,657)
Purchase of FHLB stock | (3,783) | (328)
Proceeds from redemption of FHLB stock | 256 | 1,431
Proceeds from redemption of FRB stock | 1,721 | 0
Purchase of office properties and equipment | (32) | (583)
Net cash used in investing activities | (53,685) | (91,466)
Cash flows from financing activities: |  |
Net change in deposits | (40,853) | 28,125
Net change in securities sold under agreements to repurchase | 7,910 | 15,332
Increase in unreleased ESOP shares | (2,800) | 0
Proceeds from issuance of preferred stock | 0 | 150,000
Dividends paid on preferred stock | 0 | (15)
Proceeds from FHLB advances | 82,000 | 0
Repayments of FHLB advances | (70) | (53,000)
Net cash provided by financing activities | 46,187 | 140,442
Net change in cash and cash equivalents | (5,363) | 48,617
Cash and cash equivalents at beginning of the period | 16,105 | 231,520
Cash and cash equivalents at end of the period | 10,742 | 280,137
Supplemental disclosures of cash flow information: |  |
Cash paid for interest | 4,648 | 1,378
Cash paid for income taxes | 236 | 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 | 95 | 84
Employees, Excluding Directors [Member] |  |
Adjustments to reconcile net income to net cash provided by (used in) operating activities: |  |
Stock-based compensation expense | $ 90 | $ 58

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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 -Topic 230 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 28 -Publisher FASB -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28 + 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://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 20 -Name Accounting Standards Codification -Section 35 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481655/310-20-35-2 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 230 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 28 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28 + 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 -Name Accounting Standards Codification -Section 45 -Paragraph 28 -Subparagraph (b) -SubTopic 10 -Topic 230 -Publisher FASB -URI https://asc.fasb.org//1943274/2147482740/230-10-45-28 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 360 -SubTopic 10 -Section 50 -Paragraph 1 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org//1943274/2147482099/360-10-50-1 + Details
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- Definition The net cash outflow or inflow for the increase (decrease) in the beginning and end of period of loan and lease balances which are not originated or purchased specifically for resale. Includes cash payments and proceeds associated with (a) loans held-for-investment, (b) leases held-for-investment, and (c) both. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 230 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Subparagraph (c) -Publisher FASB -URI https://asc.fasb.org//1943274/2147481160/942-230-45-1 + Details
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