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Consolidated Statements of Cash Flows - USD ($)
12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net Income $ 10,228,000 $ 12,774,000
Adjustments to Reconcile Net Income to Net Cash Provided By Operating Activities:    
Depreciation Expense 1,966,000 1,958,000
Discount Accretion and Premium Amortization, Net 6,498,000 6,800,000
(Reversal of) Provisions for Loan Losses 0 (2,404,000)
Earnings on BOLI (608,000) (635,000)
Gain on Sales of Loans (1,705,000) (3,836,000)
Loss (Gain) on Sales of Investments AFS 2,000 0
Gain on Sales of OREO 0 (105,000)
Write Down on OREO 10,000 20,000
Write Down of Land Held for Sale 433,000 0
Proceeds From Sale of Loans HFS 53,315,000 118,371,000
Origination of Loans HFS (48,485,000) (112,880,000)
Increase in Accrued Interest Receivable (1,059,000) (254,000)
Amortization of Operating Lease Right-of-Use ("ROU") Assets 391,000 382,000
Other, Net 886,000 (910,000)
Net Cash Provided By Operating Activities 21,872,000 19,281,000
CASH FLOWS FROM INVESTING ACTIVITIES:    
Purchase of Investments AFS (59,675,000) (207,177,000)
Proceeds from Payments and Maturities of Investments AFS 102,463,000 96,748,000
Proceeds from Sale of Investments AFS 22,375,000 0
Purchase of Investments HTM 150,633,000 10,456,000
Proceeds from Payments and Maturities of Investments HTM 6,794,000 5,056,000
Investment in Certificates of Deposits with Other Banks 0 (750,000)
Purchase of FHLB Stock (65,000) (2,000)
Redemption of FHLB Stock 0 1,770,000
Net Increase in Loans Receivable (53,546,000) (19,580,000)
Proceeds from Sale of OREO 0 454,000
Purchase and Improvement of Premises and Equipment (4,688,000) (2,150,000)
Net Cash Used By Investing Activities (136,975,000) (136,087,000)
CASH FLOWS FROM FINANCING ACTIVITIES:    
(Decrease) Increase in Deposit Accounts (5,878,000) 197,867,000
Repayment of FHLB Advances 0 (35,000,000)
Proceeds from Other Borrowings, Net 803,000 13,668,000
Repurchase of Subordinated Debentures 3,500,000 0
Proceeds from Issuance of Preferred Stock 82,949,000 0
Proceeds from FRB Borrowings 400,880,000 274,265,000
Repayment of FRB Borrowings (356,800,000) (322,965,000)
Dividends to Common Stock Shareholders (2,472,000) (1,431,000)
Net Cash Provided By Financing Activities 115,982,000 126,404,000
Net Increase in Cash and Cash Equivalents 879,000 9,598,000
Cash and Cash Equivalents at Beginning of Year 27,623,000 18,025,000
Cash and Cash Equivalents at End of Year 28,502,000 27,623,000
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION:    
Interest 4,670,000 3,895,000
Income Taxes 2,159,000 4,226,000
Supplemental Schedule of Non Cash Transactions:    
Transfers From Premises and Equipment, Net to Land HFS 0 1,530,000
Decrease in Unrealized Gains on Securities AFS, Net of Taxes $ (45,995,000) (7,726,000)
Initial Recognition of Lease ROU Assets   $ 282,000