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Consolidated Statement of Cash Flows (Unaudited) - USD ($)
$ in Thousands
9 Months Ended
Sep. 30, 2017
Sep. 30, 2016
OPERATING ACTIVITIES    
Net Income $ 5,569 $ 5,558
Adjustments to Reconcil Net Income to Net Cash Provided By Operating Activities:    
Net Amortization on Investments 265 154
Depreciation and Amortization 1,867 2,051
Provision for Loan Losses 1,020 1,600
Income from Bank-Owned Life Insurance (348) (362)
Proceeds From Mortgage Loans Sold 16,941 18,945
Originations of Mortgage Loans for Sale (16,552) (18,386)
Gains on Sales of Loans (389) (559)
Gains on Sales of Investment Securities (132) (80)
Gains on Sales of Other Real Estate Owned and Repossessed Assets (357) (49)
Noncash Expense for Stock-Based Compensation 258 262
(Increase) Decrease in Accrued Interest Receivable (131) 197
Valuation Adjustment on Foreclosed Real Estate (566)
Retirements of Premises and Equipment 152
(Decrease) Increase in Taxes Payable (808) 1,123
Increase (Decrease) in Accrued Interest Payable 79 (10)
Net Payment of Federal/State Income Taxes (2,355) (2,115)
Other, Net 4,327 419
NET CASH PROVIDED BY OPERATING ACTIVITIES 9,406 8,182
INVESTING ACTIVITIES    
Proceeds From Principal Repayments and Maturities 11,683 59,023
Purchases of Securities (32,346) (60,035)
Proceeds from Sales of Securities 11,643 416
Net Increase in Loans (23,413) (572)
Purchase of Premises and Equipment (3,444) (1,229)
Proceeds From Sales of Other Real Estate Owned and Repossessed Assets 357 175
(Increase) Decrease in Restricted Equity Securities (47) 122
NET CASH USED IN INVESTING ACTIVITIES (35,567) (2,100)
FINANCING ACTIVITIES    
Net Increase (Decrease) in Deposits 64,156 (951)
Net (Decrease) Increase in Short-Term Borrowings (2,365) 1,167
Principal Payments on Other Borrowed Funds (3,500)
Cash Dividends Paid (2,698) (2,694)
Treasury Stock, Purchases at Cost 24
Exercise of Stock Options 7
NET CASH PROVIDED BY (USED IN) FINANCING ACTIVITIES 55,624 (2,478)
INCREASE IN CASH AND CASH EQUIVALENTS 29,463 3,604
CASH AND DUE FROM BANKS AT BEGINNING OF YEAR 14,282 11,340
CASH AND DUE FROM BANKS AT END OF PERIOD 43,745 14,944
SUPPLEMENTAL CASH FLOW INFORMATION:    
Interest on deposits and borrowings (including interest credited to deposit accounts of $1,968 and $1,686 respectively) 2,390 2,123
Income taxes 2,355 2,115
Real estate acquired in settlement of loans 169 3,236
Transfer of real estate acquired in settlement of loans to premise and equipment $ 2,350