v3.26.3
Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2026
Sep. 30, 2025
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net income $ 11,942 $ 9,773
Adjustments to reconcile net income to net cash provided by (used in) operating activities:    
Depreciation 978 1,157
Amortization of intangibles 16 17
Net amortization of securities 43 97
Amortization of debt issuance costs 18 19
Provision of credit loss expense 1,143 641
Deferred income tax (308) (229)
Net loss on sales of foreclosed assets 0 25
Net loss on sales of bank premises and equipment 65 0
Net gain on sale of loans (7,795) (8,476)
Net mortgage servicing rights amortization 65 164
Origination of loans held for sale (222,284) (246,836)
Proceeds from loans held for sale 236,969 250,289
Change in accrued interest receivable (2,450) (2,285)
Change in bank-owned life insurance (613) (426)
Change in other assets 464 (626)
Change in accrued interest payable and other liabilities (1,812) 276
Net cash provided by operating activities 16,441 3,580
CASH FLOWS FROM INVESTING ACTIVITIES:    
Proceeds from maturities, paydowns and calls of available-for-sale debt securities 17,812 15,270
Purchases of available-for-sale debt securities (9,170) (20,549)
Net redemptions of FHLB stock 113 0
Purchases of FHLB stock 0 (2,132)
Proceeds of BOLI 634 0
Loan (originations) and principal collections, net 12,339 (22,703)
Proceeds from sales of foreclosed assets 0 794
Proceeds from sales of bank premises and equipment 322 0
Purchases of bank premises and equipment, net (710) (405)
Net cash provided by (used in) investing activities 21,340 (29,725)
CASH FLOWS FROM FINANCING ACTIVITIES:    
Net change in deposits (16,660) (20,290)
Net change in securities sold under agreements to repurchase 2,425 2,918
Cash dividends paid (1,928) (1,793)
Purchases and retirement of common stock 0 (910)
Net change in short-term FHLB advances and other borrowings 15,000 44,000
Advances on long-term FHLB advances and other borrowings 0 25,000
Payments on long-term FHLB advances and other borrowings (20,000) (15,000)
Proceeds from stock options exercised 2,385 32
Net cash provided by (used in) financing activities (18,778) 33,957
Increase in cash and cash equivalents 19,003 7,812
Cash and cash equivalents:    
Beginning of the year 49,639 44,976
Ending of the period 68,642 52,788
Cash payments for interest paid:    
Deposits 19,383 20,826
Securities sold under agreements to repurchase 493 571
FHLB advances and other borrowings 1,585 2,293
Total 21,461 23,690
Income taxes paid:    
Federal 3,230 1,996
State and local Illinois 1,710 1,090
Other 387 260
Total 5,327 3,346
SUPPLEMENTAL DISCLOSURES OF NONCASH AND FINANCING ACTIVITIES:    
Foreclosed assets acquired in settlement of loans 301 0
Dividends payable $ 690 $ 607