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v3.24.3

Consolidated Statements of Cash Flows - USD ($) $ in Thousands | 9 Months Ended
--- | ---
Sep. 30, 2024 | Sep. 30, 2023
Cash flows from operating activities: |  |
Net income | $ 632 | $ 1,927
Adjustments to reconcile net income to net cash provided by operating activities: |  |
Provision for credit losses | 1,153 | 808
Depreciation | 502 | 490
Net change of deferred loan origination costs | 370 | 264
Net accretion of premiums and discounts on available-for-sale securities | (674) | (778)
Accretion of purchase accounting marks on loans | (286) | (148)
Amortization of core deposit intangible | 252 | 293
Accretion of premium on FHLB advances | (8) | (18)
ESOP compensation expense | 137 | 33
Earnings on bank owned life insurance | (34) | (31)
Change in assets and liabilities: |  |
Net change in deferred taxes | (601) | 579
Net change in accrued interest receivable | (806) | (952)
Net change in other assets | 1,331 | (266)
Net change in accrued expenses and other liabilities | 1,972 | 1,554
Net cash provided by operating activities | 4,235 | 4,023
Cash flows from investing activities: |  |
Net change in loans receivable held for investment | (87,568) | (70,043)
Principal payments on available-for-sale securities | 85,106 | 10,498
Purchase of FHLB stock | (136) | (7,534)
Proceeds from redemption of FHLB stock | 0 | 3,939
Proceeds from redemption of FRB stock | 0 | 1,721
Purchase of office properties and equipment | (129) | (114)
Net cash used in investing activities | (2,727) | (61,533)
Cash flows from financing activities: |  |
Net change in deposits | (10,387) | (15,447)
Net change in securities sold under agreements to repurchase | 16,323 | 12,344
Purchase of unreleased ESOP shares | 0 | (3,400)
Repayment of notes payable | (14,000) | 0
Cash dividends paid - ECIP | (817) | 0
Proceeds from FHLB advances | 176,000 | 329,000
Repayments of FHLB advances | (176,743) | (269,605)
Net cash (used in) provided by financing activities | (9,624) | 52,892
Net change in cash and cash equivalents | (8,116) | (4,618)
Cash and cash equivalents at beginning of the period | 105,195 | 16,105
Cash and cash equivalents at end of the period | 97,079 | 11,487
Supplemental disclosures of cash flow information: |  |
Cash paid for interest | 19,285 | 11,785
Cash paid for income taxes | 317 | 236
Directors [Member] |  |
Adjustments to reconcile net income to net cash provided by operating activities: |  |
Stock-based compensation expense | 96 | 95
Employees, Excluding Directors [Member] |  |
Adjustments to reconcile net income to net cash provided by operating activities: |  |
Stock-based compensation expense | $ 199 | $ 173

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- Definition Amount of noncash expense included in expense to 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 aggregate expense recognized in the current period that allocates the cost of tangible assets, intangible assets, or depleting assets to periods that benefit from use of the assets. + 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://www.xbrl.org/2003/role/exampleRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 48 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482785/280-10-55-48 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 49 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482785/280-10-55-49 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 270 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (i) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482964/270-10-50-1 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 32 -Subparagraph (ee) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 22 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22 + Details
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