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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2018
Dec. 31, 2017
Dec. 31, 2016
CASH FLOWS FROM OPERATING ACTIVITIES      
Net income $ 4,000 $ 3,378 $ 3,515
Adjustments to reconcile net income to net cash provided by operating activities:      
Net amortization of investment securities 83 110 180
Net amortization of deferred loan costs 576 622 569
Provision for loan losses 390 510 1,125
Recovery on previously impaired investment securities (145) (135) (142)
Unrealized gain on equity securities (2)    
Gain on sale of investment securities   (244) (1,636)
Originations of loans held for sale (944) (1,069) (5,022)
Proceeds from sales of loans held for sale 956 1,083 5,143
Gain on sale of loans held for sale (12) (14) (121)
Depreciation and amortization 774 852 865
Deferred income tax expense (benefit) 135 219 (222)
Increase in bank owned life insurance, net (392) (358) (281)
ESOP shares committed to be released 130 126 108
Stock based compensation expense 445 440 217
(Increase) decrease in accrued interest receivable (112) (201) 48
Decrease in other assets 29 62 280
Writedowns of foreclosed real estate 40 65 12
Increase (decrease) in other liabilities 163 381 (344)
Net Cash Provided By Operating Activities 6,114 5,827 4,294
CASH FLOWS FROM INVESTING ACTIVITIES      
Activity in available for sale securities: Sales   6,510 14,406
Activity in available for sale securities: Maturities, prepayments and calls 9,426 12,002 11,857
Activity in available for sale securities: Purchases (16,169) (13,225)  
Purchases of Federal Home Loan Bank Stock (20) (375) (5)
Redemptions of Federal Home Loan Bank Stock 106 84 119
Loan origination and principal collections, net (30,122) (40,309) (31,281)
Proceeds from sale of foreclosed real estate 1,510 331 619
Additions to premises and equipment (818) (1,480) (468)
Purchase of bank owned life insurance (3,000)   (2,500)
Net Cash Used in Investing Activities (39,087) (36,462) (7,253)
CASH FLOWS FROM FINANCING ACTIVITIES      
Net increase in deposits 27,305 19,260 16,738
Net increase (decrease) in advances from borrowers for taxes and insurance 134 (183) (102)
Proceeds from issuance of long-term debt 1,500 9,700  
Repayment of long-term debt (3,800) (1,700) (2,200)
Proceeds from stock options exercised   4 1,118
Purchase of treasury stock (1,448) (269) (455)
Cash dividends paid (880) (743) (888)
Net Cash Provided by Financing Activities 22,811 26,069 14,211
Net (Decrease) Increase in Cash and Cash Equivalents (10,162) (4,566) 11,252
CASH AND CASH EQUIVALENTS - BEGINNING 40,913 45,479 34,227
CASH AND CASH EQUIVALENTS - ENDING 30,751 40,913 45,479
SUPPLEMENTARY CASH FLOWS INFORMATION      
Interest paid 3,596 2,605 2,299
Income taxes paid 529 920 910
SUPPLEMENTARY SCHEDULE OF NONCASH INVESTING ACTIVITIES      
Foreclosed real estate acquired in settlement of loans $ 1,928 $ 554 $ 369