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Consolidated Statement of Cash Flows (Unaudited) (USD $)
In Thousands
6 Months Ended
Jun. 30, 2011
Jun. 30, 2010
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 901 $ 916
Adjustments to reconcile net income to net cash provided by operations:    
Depreciation and amortization 102 118
Gain on sales of SBA loans (343) (370)
Gain on sale of other real estate owned (52)  
Provision for loan losses 1,308 1,034
Provision for losses on unfunded commitments   6
Write-downs of other real estate owned 125  
Deferred income taxes (133) 269
Change in assets and liabilities:    
Decrease (increase) in accrued interest receivable 29 (124)
Decrease (increase) in other assets 117 (126)
Decrease in accrued interest payable (8) (19)
Increase in other liabilities 51 39
Net cash provided by operating activities 2,097 1,743
CASH FLOWS FROM INVESTING ACTIVITIES    
Proceeds from sale of SBA loans 4,885 5,575
Increase in loans, net (1,390) (6,799)
Proceeds from sales of other real estate owned 724  
Increase in other real estate owned (805)  
Purchase of premises and equipment (10) (28)
Net cash provided (used) by investing activities 3,404 (1,252)
CASH FLOWS FROM FINANCING ACTIVITIES    
Increase in non-interest bearing deposits, net 2,714 2,357
Net increase in other deposits 3,814 7,050
Net cash provided by financing activities 6,528 9,407
Net increase in cash and cash equivalents 12,029 9,898
Cash and cash equivalents at beginning of period 13,726 10,488
Cash and cash equivalents at end of period 25,755 20,386
SUPPLEMENTAL CASH FLOW INFORMATION    
Interest paid 1,126 1,766
Income taxes paid 950 620
Transfer of loans to real estate owned $ 720 $ 653