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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
6 Months Ended
Jun. 30, 2017
Jun. 30, 2016
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net income $ 1,829 $ 1,911
Adjustments to reconcile net income to net cash provided by operating activities:    
Loan loss provision 603 909
Write-down on real estate owned and other repossessed assets 45
Depreciation 472 541
Net amortization of investment securities premium and discounts 822 983
Amortization of mortgage servicing rights 524 513
Amortization of core deposit intangible and tax credits 214 223
Deferred income tax benefit (50) (288)
Net gain on sale of loans (4,088) (4,156)
Net loss (gain) on sale of available-for-sale securities 14 (84)
Net loss (gain) on sale of real estate owned and other repossessed assets 25 (12)
Net loss on sale/disposal of premises and equipment 6
Net appreciation in cash surrender value of life insurance (194) (169)
Net change in:    
Accrued interest and dividends receivable (51) 4
Loans held-for-sale 6,211 1,836
Other assets 324 228
Accrued expenses and other liabilities 738 1,050
Net cash provided by operating activities 7,438 3,495
CASH FLOWS FROM INVESTING ACTIVITIES:    
Sales 2,749 3,162
Maturities, principal payments and calls 5,035 6,129
Purchases (1,307) (1,531)
Federal Home Loan Bank stock purchased (829) (338)
Federal Reserve Bank stock redeemed 16
Loan origination and principal collection, net (42,917) (37,618)
Purchase of Bank owned life insurance (2,000)
Proceeds from sale of real estate and other repossessed assets acquired in settlement of loans 262 76
Proceeds from sale of premises and equipment 7
Additions to premises and equipment (1,119) (302)
Net cash used in investing activities (38,126) (32,399)
CASH FLOWS FROM FINANCING ACTIVITIES:    
Net increase in deposits 1,470 25,700
Net short-term advances on Federal Home Loan Bank and other borrowings 11,553 4,083
Long-term advances from Federal Home Loan Bank and other borrowings 17,000 5,000
Payments on long-term Federal Home Loan Bank and other borrowings (6,784) (6,308)
Proceeds from issuance of long-term debt 10,000
Payments for debt issuance costs (219)
Dividends paid (609) (586)
Net cash provided by financing activities 32,411 27,889
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 1,723 (1,015)
CASH AND CASH EQUIVALENTS, beginning of period 7,318 7,438
CASH AND CASH EQUIVALENTS, end of period 9,041 6,423
SUPPLEMENTAL CASH FLOW INFORMATION:    
Cash paid during the period for interest 1,763 1,554
Cash paid during the period for income taxes 680 590
NON-CASH INVESTING AND FINANCING ACTIVITIES:    
Increase in market value of securities available-for-sale 2,068 3,370
Mortgage servicing rights recognized 798 741
Loans transferred to real estate and other assets acquired in foreclosure 34
Employee Stock Ownership Plan shares released $ 162 $ 100