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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 3 Months Ended
Mar. 31, 2024
Mar. 31, 2023
OPERATING ACTIVITIES    
Net Income (Loss) $ 1,904,000 $ 1,515,000
Adjustments to reconcile net income to net cash (used in) provided by operating activities:    
Provision (recovery) for credit losses (557,000) 1,179,000
Depreciation and amortization expense 508,000 526,000
Amortization expense of core deposit intangible 7,000 8,000
Amortization of fair value adjustment on acquired time deposits (3,000) (14,000)
Net amortization of investment securities 17,000 2,000
Net amortization of deferred loan fees (23,000) (38,000)
Net gains on loans held for sale (10,000) (26,000)
Origination of mortgage loans held for sale (2,085,000) (1,932,000)
Sales of mortgage loans held for sale 1,326,000 1,600,000
Increase in accrued interest receivable (569,000) (286,000)
(Decrease) increase in accrued interest payable (654,000) 184,000
Earnings on bank-owned life insurance (337,000) (239,000)
Deferred income taxes 330,000 348,000
Stock compensation expense 8,000 12,000
Net change in operating leases (42,000) (16,000)
Other, net (1,972,000) (1,033,000)
Net cash (used in) provided by operating activities (2,152,000) 1,790,000
INVESTING ACTIVITIES    
Purchase of investment securities - available for sale (3,968,000) (3,000,000)
Purchase of investment securities - held to maturity (2,496,000) (493,000)
Proceeds from maturities of investment securities - available for sale 3,803,000 4,295,000
Proceeds from maturities of investment securities - held to maturity 1,441,000 1,528,000
Proceeds from sales of investment securities - available for sale 435,000 0
Purchase of regulatory stock (3,005,000) (4,203,000)
Proceeds from redemption of regulatory stock 3,897,000 5,926,000
Long-term loans originated (40,030,000) (41,545,000)
Principal collected on long-term loans 52,408,000 51,773,000
Purchases of premises and equipment (638,000) (376,000)
Proceeds from sale of other real estate owned and repossessed assets   1,000
Proceeds from life insurance policies 711,000  
Net cash provided by investing activities 12,558,000 13,906,000
FINANCING ACTIVITIES    
Net increase in deposit balances 18,221,000 23,266,000
Net decrease in other short-term borrowings (29,505,000) (35,652,000)
Principal borrowings on advances from Federal Home Loan Bank 8,600,000 6,220,000
Principal repayments on advances from Federal Home Loan Bank (3,750,000) (9,850,000)
Principal payments on financing lease liabilities (40,000) (55,000)
Stock options exercised   94,000
Common stock dividend paid (514,000) (514,000)
Net cash used in financing activities (6,988,000) (16,491,000)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 3,418,000 (795,000)
CASH AND CASH EQUIVALENTS AT JANUARY 1 14,027,000 22,962,000
CASH AND CASH EQUIVALENTS AT MARCH 31 $ 17,445,000 $ 22,167,000