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Consolidated Statements Of Cash Flows (USD $)
9 Months Ended
Sep. 30, 2011
Sep. 30, 2010
Cash Flows From Operating Activities  
Net income$ 270,345$ 299,081
Adjustments to reconcile net income to net cash provided by operating activities:  
Depreciation596,323666,412
Net amortization and accretion of securities78,35144,328
Provision for loan losses385,000523,792
Stock-based compensation10,14111,903
Deferred income tax (benefit) (20,805)
(Gain) on securities available-for-sale(130,924)(188,262)
Increase in OREO valuation allowance320,436268,300
Loss (Gain) on sale of other real estate39,800(46,971)
(Gain) on disposal of fixed assets(5,582) 
Decrease in accrued income and other assets473,906683,113
(Decrease) increase in other liabilities(139,712)172,148
Net cash provided by operating activities1,898,0842,413,039
Cash Flows From Investing Activities  
Proceeds from maturities and principal paydowns of available-for-sale securities5,220,7111,564,634
Proceeds from sales and calls of available-for-sale securities6,024,94011,814,708
Purchases of available-for-sale securities(15,688,390)(13,413,159)
Sales (purchases) of restricted securities135,600(120,000)
(Increase) in interest bearing deposits in other banks(2,462,359)(3,470,810)
Decrease (increase) in federal funds sold2,205,653(2,420,066)
Loan (originations) and principal collections, net7,871,937(1,674,233)
Proceeds from sale of other real estate2,619,048514,884
Purchases of premises and equipment(222,200)(197,858)
Net cash provided by (used in) investing activities5,704,940(7,401,900)
Cash Flows From Financing Activities  
Increase in demand, savings, and other interest-bearing deposits5,785,1826,676,396
Net increase (decrease) in time deposits4,911,278(2,459,385)
Net (decrease) increase in securities sold under repurchase agreements and federal funds purchased(2,207,936)955,135
(Decrease) in FHLB advances(15,000,000) 
Cash in lieu of fractional shares (1,210)
Net cash provided by (used in) financing activities(6,511,476)5,170,936
Net increase in cash and due from banks1,091,548182,075
Cash and due from banks at beginning of period3,275,5843,461,483
Cash and due from banks at end of period4,367,1323,643,558
Supplemental Schedule of Cash Flow Information  
Interest paid3,386,9944,208,080
Income taxes paid103,827 
Unrealized gain on investment securities933,464754,821
Loans transferred to other real estate owned$ 1,574,844$ 2,512,044