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Consolidated Statements of Cash Flows (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Dec. 31, 2011
Dec. 31, 2010
Dec. 31, 2009
Operating Activities      
Net income $ 3,402 $ 3,098 $ 1,936
Adjustments to reconcile net income to net cash from operating activities:      
Provision for loan losses 1,050 1,375 2,725
Depreciation of premises and equipment 869 995 1,054
Deferred income taxes 150 175 506
Amortization of other intangible assets 339 350 362
Net amortization of investment securities 393 586 389
Stock option and restricted stock grant compensation expense 168 154 132
Net gains on security calls and sales (29) (207) (682)
Loans originated for sale (41,562) (57,470) (41,586)
Proceeds on loans sold 44,346 56,739 41,858
Net gains on loan sales (1,235) (1,301) (756)
Net loss from sale or write down of other real estate owned 118 215 318
Gain on life insurance proceeds   (156)  
Net loss on disposal of premises and equipment 7 29 9
Net change in obligation under ESOP 128 140 154
Net change in:      
Accrued interest receivable (41) (53) 560
Cash surrender value (347) (349) (358)
Other assets 628 826 (1,762)
Accrued expenses and other liabilities 44 383 145
Net cash from operating activities 8,428 5,529 5,004
Activity in available for sale securities:      
Proceeds on securities sold   7,445 26,366
Proceeds from maturities and calls 39,052 48,172 37,683
Purchases (69,305) (58,770) (55,348)
Net change in federal funds sold (12) 2,265 780
Proceeds from life insurance   421  
Loan originations and payments, net (25,504) 20,254 (4,720)
Proceeds from sale of other real estate owned and repossessed assets 481 1,239 2,456
Proceeds from sale of equipment 58 91  
Proceeds from sale of FHLB stock 176 169  
Additions to premises and equipment (881) (800) (691)
Net cash from investing activities (55,935) 20,486 6,526
Financing Activities      
Net change in deposits 10,610 28,996 (13,138)
Net change in securities sold under agreements to repurchase and overnight borrowings 3,047 228 909
Proceeds from other borrowings   5,000 8,000
Repayments of other borrowings (2,328) (5,753) (9,663)
Cash dividends paid (470) (467) (813)
Net cash from financing activities 10,859 28,004 (14,705)
Net change in cash and cash equivalents (36,648) 54,019 (3,175)
Beginning cash and cash equivalents 78,833 24,814 27,989
Ending cash and cash equivalents $ 42,185 $ 78,833 $ 24,814