Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024		Sep. 30, 2023
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 6,705		$ 8,678
Adjustments to reconcile net income to net cash provided by operating activities:
Credit loss expense for loans	792	[1]	80	[2]
Credit loss benefit for off-balance sheet credit exposures	(70)		(46)
Amortization of securities available-for-sale and loans, net	703		1,189
Amortization of intangible assets	259		388
Depreciation	997		918
Provision for deferred income taxes	(125)		127
Securities (gains) losses, net	165		(35)
Increase in cash value of bank-owned life insurance	(62)		(57)
Gain on sales of loans held for sale	(361)		(254)
Proceeds from loans held for sale	17,471		13,463
Originations of loans held for sale	(17,324)		(13,483)
Amortization of investment in New Markets Tax Credit projects	523		575
Gain on other real estate owned, net	(11)		0
Change in assets and liabilities:
(Increase) in accrued income receivable	(2,308)		(2,519)
Decrease (increase) in other assets	1,384		(28)
Increase (decrease) in accrued interest payable	(1,665)		2,895
Increase in accrued expenses and other liabilities	1,286		923
Net cash provided by operating activities	8,359		12,814
CASH FLOWS FROM INVESTING ACTIVITIES
Change in interest-bearing time deposits	2,737		4,780
Purchase of securities available-for-sale	(11,629)		(3,779)
Proceeds from sale of securities available-for-sale	2,049		2,069
Proceeds from maturities and calls of securities available-for-sale	79,426		45,616
Purchase of FHLB stock	(8,867)		(14,941)
Proceeds from the redemption of FHLB and FRB stock	6,767		15,554
Net (increase) in loans	(18,706)		(6,617)
Net proceeds from the sale of other real estate owned	82		0
Purchase of premises and equipment	(231)		(3,844)
Net cash provided by investing activities	51,628		38,838
CASH FLOWS FROM FINANCING ACTIVITIES
(Decrease) in deposits	(10,110)		(69,276)
Increase (decrease) in securities sold under agreements to repurchase	(11,238)		20,265
Payments on other borrowings	(144,987)		(88,758)
Proceeds from other borrowings	129,000		191,000
Net (payments on) FHLB short-term borrowings	(11,500)		(35,420)
Dividends paid	(7,284)		(7,284)
Net cash provided by (used in) financing activities	(56,119)		10,527
Net increase in cash and cash equivalents	3,868		62,179
CASH AND CASH EQUIVALENTS
Beginning	55,101		27,884
Ending	58,969		90,063
Cash payments for:
Interest	30,168		17,890
Income taxes	246		1,485
SUPPLEMENTAL DISCLOSURE OF NONCASH INVESTING ACTIVITIES
Transfer of loans receivable to other real estate owned	71		0
SUPPLEMENTAL DISCLOSURE OF NONCASH FINANCING ACTIVITIES
Dividends declared, not paid	$ 1,798		$ 2,428

[1] The difference in the credit loss expense reported herein as compared to the Consolidated Statements of Income is associated with the credit loss benefit of $70 thousand related to off-balance sheet credit exposures.

[2] The difference in the credit loss expense reported herein as compared to the Consolidated Statements of Income is associated with the credit loss benefit of $46 thousand related to off-balance sheet credit exposures.