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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
OPERATING ACTIVITIES    
Net income $ 6,501,000 $ 5,220,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision (credit) for loan losses (225,000) 850,000
Depreciation and amortization expense 1,531,000 1,508,000
Amortization expense of core deposit intangible 23,000 11,000
Amortization of fair value adjustment on acquired time deposits (83,000) (58,000)
Net amortization of investment securities 98,000 189,000
Net realized gains on investment securities - available for sale   (84,000)
Net gains on loans held for sale (183,000) (632,000)
Net amortization of deferred loan fees (486,000) (967,000)
Origination of mortgage loans held for sale (8,239,000) (10,467,000)
Sales of mortgage loans held for sale 9,405,000 17,349,000
(Increase) decrease in accrued interest receivable (636,000) 148,000
Decrease in accrued interest payable (571,000) (731,000)
Earnings on bank-owned life insurance (769,000) (771,000)
Deferred income taxes 601,000 1,023,000
Stock compensation expense 38,000 30,000
Net change in operating leases (69,000) (71,000)
Other, net (5,082,000) (4,968,000)
Net cash provided by operating activities 1,854,000 7,579,000
INVESTING ACTIVITIES    
Purchase of investment securities - available for sale (49,372,000) (48,951,000)
Purchase of investment securities - held to maturity (11,104,000) (15,272,000)
Proceeds from maturities of investment securities - available for sale 15,755,000 30,314,000
Proceeds from maturities of investment securities - held to maturity 2,244,000 5,490,000
Proceeds from sales of investment securities - available for sale 1,519,000 960,000
Purchase of regulatory stock (4,405,000) (1,245,000)
Proceeds from redemption of regulatory stock 3,190,000 2,842,000
Long-term loans originated (163,679,000) (232,781,000)
Principal collected on long-term loans 168,215,000 209,771,000
Purchases of premises and equipment (1,621,000) (834,000)
Proceeds from sale of other real estate owned and repossessed assets 14,000  
Cash acquired in branch acquisition, net   40,431,000
Proceeds from life insurance policies 670,000 645,000
Net cash used in investing activities (38,574,000) (8,630,000)
FINANCING ACTIVITIES    
Net increase in deposit balances 13,518,000 47,097,000
Net increase (decrease) in other short-term borrowings 26,274,000 (24,702,000)
Principal repayments on advances from Federal Home Loan Bank (14,131,000) (21,336,000)
Principal payments on financing lease liabilities (163,000) (156,000)
Redemption of guaranteed junior subordinated deferrable interest debentures   (13,085,000)
Subordinated debt issuance, net   26,597,000
Redemption of subordinated debt   (7,650,000)
Stock options exercised 91,000 39,000
Common stock dividend paid (1,454,000) (1,280,000)
Net cash provided by financing activities 24,135,000 5,524,000
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS (12,585,000) 4,473,000
CASH AND CASH EQUIVALENTS AT JANUARY 1 41,101,000 31,504,000
CASH AND CASH EQUIVALENTS AT SEPTEMBER 30 $ 28,516,000 $ 35,977,000