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Consolidated Statements of Cash Flow - USD ($)
12 Months Ended
Dec. 31, 2016
Dec. 31, 2015
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net income $ 5,132,000 $ 2,580,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Loan loss provision 1,833,000 1,303,000
Depreciation 1,058,000 1,231,000
Net amortization of investment securities premiums and discounts 1,838,000 1,988,000
Amortization of mortgage servicing rights 1,249,000 799,000
Amortization of core deposit intangible and tax credits 445,000 432,000
Deferred income tax benefit (20,000) (344,000)
Net gain on sale of loans (10,346,000) (6,672,000)
Net gain on sale of available-for-sale securities (249,000) (234,000)
Net (gain) loss on sale of real estate owned and other repossessed assets (6,000) 13,000
Net loss on fair value hedge 0 93,000
Net loss (gain) on sale/disposal of premises and equipment 6,000 (305,000)
Net appreciation in cash surrender value of life insurance (466,000) (329,000)
Net change in:    
Accrued interest and dividends receivable 155,000 40,000
Loans held-for-sale 10,741,000 5,696,000
Other assets 552,000 (1,603,000)
Accrued expenses and other liabilities 971,000 196,000
Net cash provided by operating activities 12,893,000 4,884,000
CASH FLOWS FROM INVESTING ACTIVITIES:    
Sales 23,649,000 31,301,000
Maturities, principal payments and calls 9,882,000 12,515,000
Purchases (18,859,000) (28,872,000)
Federal Home Loan Bank stock purchased (615,000) (1,429,000)
Federal Reserve Bank stock redeemed (purchased) 16,000 (246,000)
Loan origination and principal collection, net (62,201,000) (90,477,000)
Proceeds from Bank owned life insurance 885,000
Purchases of Bank owned life insurance (2,000,000) (450,000)
Proceeds from sale of real estate and other repossessed assets acquired in settlement of loans 353,000 87,000
Proceeds from sale of premises and equipment 7,000 1,438,000
Additions to premises and equipment (2,247,000) (630,000)
Net cash used in investing activities (51,130,000) (76,763,000)
CASH FLOWS FROM FINANCING ACTIVITIES:    
Net increase in deposits 29,613,000 41,782,000
Net short-term advances (payments) from Federal Home Loan Bank and other borrowings 15,313,000 (1,723,000)
Long-term advances from Federal Home Loan Bank and other borrowings 5,000,000 33,000,000
Payments on long-term Federal Home Loan Bank and other borrowings (10,616,000) (13,554,000)
Proceeds from issuance of subordinated debentures 10,000,000
Payments for debt issuance costs (206,000)
Purchase of treasury stock, at cost (1,320,000)
Dividends paid (1,193,000) (1,164,000)
Net cash provided by financing activities 38,117,000 66,815,000
NET DECREASE IN CASH AND CASH EQUIVALENTS (120,000) (5,064,000)
CASH AND CASH EQUIVALENTS, beginning of period 7,438,000 12,502,000
CASH AND CASH EQUIVALENTS, end of period $ 7,318,000 $ 7,438,000