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Consolidated Statements of Cash Flows - USD ($)
3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Dec. 31, 2021
Operating activities:          
Net income     $ 6,218,000 $ 5,271,000  
Adjustments to reconcile net income to net cash provided by operating activities:          
Provision for loan losses $ 100,000 $ (257,000) 350,000 (536,000)  
Depreciation     480,000 548,000  
Net amortization of securities premiums     370,000 972,000  
Net amortization of loan origination fees     405,000 454,000  
Deferred net loan origination costs     (468,000) (474,000)  
Amortization of intangibles 14,000 16,000 41,000 49,000  
Amortization of investment in low income housing partnerships 200,000 200,000 600,000 600,000  
Net amortization of purchase fair value adjustments     (84,000) (123,000)  
Net realized (gain) loss on sales and calls of available for sale securities     1,452,000 (58,000)  
Change in value of equity securities 30,000 (38,000) 110,000 (139,000)  
Net gain on other real estate owned     (7,000) (49,000)  
Earnings on bank owned life insurance and annuities (53,000) (64,000) (164,000) (186,000)  
Deferred income tax benefit     (49,000) (206,000)  
Stock-based compensation expense 30,000 38,000 146,000 110,000  
Proceeds from mortgage loans sold to others     48,000 56,000  
Mortgage banking income     (24,000) (26,000)  
Gain from life insurance proceeds (329,000)   (380,000) 0  
Increase in accrued interest receivable and other assets     (1,251,000) (563,000)  
Increase in accrued interest payable and other liabilities     87,000 85,000  
Net cash provided by operating activities     7,880,000 5,785,000  
Investing activities:          
Purchases of: Securities available for sale     (53,295,000) (173,765,000)  
Purchases of: FHLB stock     (988,000) 0  
Purchases of: Premises and equipment     (362,000) (164,000)  
Purchases of: Bank owned life insurance and annuities     (28,000) (36,000)  
Proceeds from: Sales of debt securities available for sale     23,271,000 119,000  
Proceeds from: Maturities of and principal repayments on securities available for sale     26,478,000 32,856,000  
Proceeds from: Redemption of FHLB stock     0 61,315,000  
Proceeds from: Life insurance claims     2,285,000 907,000  
Proceeds from: Sale of other real estate owned     94,000 0  
Proceeds from: Sale of other assets     0 1,000  
Net decrease in interest bearing time deposits with banks     735,000 0  
Net (increase) decrease in loans     (43,964,000) 11,150,000  
Net cash provided by investing activities     (45,774,000) (67,617,000)  
Financing activities:          
Net increase in deposits     9,387,000 84,712,000  
Net increase (decrease) in short-term borrowings and securities sold under agreements to repurchase     31,642,000 (19,946,000)  
Repayment of FRB advances     0 (27,955,000)  
Cash dividends     (3,300,000) (3,304,000)  
Purchase of treasury stock     (3,000) (675,000)  
Treasury stock issued for employee stock plans     69,000 77,000  
Net cash provided by financing activities     37,795,000 32,909,000  
Net decrease in cash and cash equivalents     (99,000) (28,923,000)  
Cash and cash equivalents at beginning of year     13,526,000 41,621,000 $ 41,621,000
Cash and cash equivalents at end of period $ 13,427,000 $ 12,698,000 13,427,000 12,698,000 $ 13,526,000
Supplemental information:          
Interest paid     2,169,000 2,640,000  
Income tax paid     400,000 179,000  
Supplemental schedule of noncash investing and financing activities:          
Transfer of loans to other real estate owned     30,000 61,000  
Transfer of loans to repossessed vehicles     $ 0 $ 1,000