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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 12 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2021
OPERATING ACTIVITIES      
Net Income (Loss) $ (3,346,000) $ 7,448,000 $ 7,072,000
Adjustments to reconcile net income (loss) to net cash provided by operating activities:      
Provision for credit losses 7,429,000 50,000 1,100,000
Depreciation and amortization expense 2,047,000 2,066,000 2,016,000
Amortization expense of core deposit intangible 27,000 30,000 19,000
Amortization of fair value adjustment on acquired time deposits (33,000) (101,000) (98,000)
Net amortization of investment securities 49,000 108,000 222,000
Net realized losses (gains) on investment securities - available for sale 922,000   (84,000)
Net amortization of deferred loan fees (104,000) (553,000) (1,351,000)
Net gains on loans held for sale (169,000) (208,000) (664,000)
Origination of mortgage loans held for sale (9,210,000) (9,421,000) (13,806,000)
Sales of mortgage loans held for sale 9,308,000 10,553,000 19,737,000
(Increase) decrease in accrued interest receivable (725,000) (820,000) 1,084,000
Increase (decrease) in accrued interest payable 3,069,000 45,000 (490,000)
Earnings on bank-owned life insurance (1,047,000) (1,089,000) (1,117,000)
Deferred income taxes (565,000) 533,000 729,000
Stock compensation expense 45,000 50,000 43,000
Net change in operating leases (70,000) (84,000) (94,000)
Other, net (1,339,000) (3,398,000) (4,379,000)
Net cash provided by operating activities 6,288,000 5,209,000 9,939,000
INVESTING ACTIVITIES      
Purchase of investment securities - available for sale (21,255,000) (58,207,000) (61,578,000)
Purchase of investment securities - held to maturity (7,970,000) (11,104,000) (16,272,000)
Proceeds from maturities of investment securities - available for sale 17,973,000 19,638,000 38,826,000
Proceeds from maturities of investment securities - held to maturity 5,770,000 2,918,000 6,665,000
Proceeds from sales of investment securities - available for sale 16,772,000 1,519,000 960,000
Purchase of regulatory stock (19,672,000) (11,143,000) (1,799,000)
Proceeds from redemption of regulatory stock 20,216,000 8,081,000 3,928,000
Long-term loans originated (200,770,000) (223,704,000) (313,125,000)
Principal collected on long-term loans 149,897,000 216,787,000 301,498,000
Purchases of premises and equipment (1,381,000) (2,080,000) (1,241,000)
Proceeds from sale of other real estate owned and repossessed assets 39,000 14,000 8,000
Cash acquired in branch acquisition, net     40,431,000
Proceeds from life insurance policies 387,000 1,000,000 1,211,000
Net cash used in investing activities (39,994,000) (56,281,000) (488,000)
FINANCING ACTIVITIES      
Net increase (decrease) in deposit balances 49,856,000 (30,740,000) 42,124,000
Net (decrease) increase in other short-term borrowings (47,690,000) 88,641,000 (24,702,000)
Principal borrowings on advances from Federal Home Loan Bank 42,365,000   2,000,000
Principal repayments on advances from Federal Home Loan Bank (17,568,000) (22,888,000) (24,336,000)
Principal payments on financing lease liabilities (228,000) (219,000) (210,000)
Redemption of guaranteed junior subordinated deferrable interest debentures     (12,018,000)
Subordinated debt issuance, net     26,589,000
Redemption of subordinated debt     (7,650,000)
Stock options exercised 94,000 106,000 57,000
Common stock dividend paid (2,058,000) (1,967,000) (1,708,000)
Net cash provided by financing activities 24,771,000 32,933,000 146,000
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS (8,935,000) (18,139,000) 9,597,000
CASH AND CASH EQUIVALENTS AT JANUARY 1 22,962,000 41,101,000 31,504,000
CASH AND CASH EQUIVALENTS AT DECEMBER 31 $ 14,027,000 $ 22,962,000 $ 41,101,000