Consolidated Statements of Cash Flows (USD $) In Thousands, unless otherwise specified	3 Months Ended
Mar. 31, 2013	Mar. 31, 2012
Cash flows from operating activities
Net income	$ 1,551	$ 1,369
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	385	354
Net amortization of loans and investment securities	461	320
Amortization and net change in mortgage servicing rights valuation	50	(7)
Amortization of intangibles	106	109
Provision for loan losses	803	1,950
Loans originated for sale	(2,648)
Proceeds from sale of loans	2,388
Net (gain) on sale or disposal of other real estate/other repossessed assets		(37)
Increase in cash surrender value of life insurance	(152)	(167)
Contribution to pension plan		(370)
Decrease (increase) in interest receivable and other assets	69	(424)
Increase (decrease) in interest payable and other liabilities	412	(326)
Other, net	747	502
Net cash provided by operating activities	4,172	3,273
Cash flows from investing activities
Proceeds from maturities and paydowns of securities available for sale	9,853	10,277
Purchase of investment securities available for sale	(11,620)	(6,495)
Net decrease in restricted stock	521	250
Net decrease in loans	6,859	508
Proceeds from sale of other real estate/other repossessed assets		195
Capital expenditures	(222)	(246)
Net cash provided by in investing activities	5,391	4,489
Cash flows from financing activities
Net increase in demand deposits, NOW and savings accounts	28,138	39,216
Net (decrease) increase in time deposits	(400)	8,332
Net decrease in repurchase agreements	(2,844)	(803)
Long-term debt payments	(2)	(1,677)
Dividends paid	(698)	(1,090)
Treasury stock issued under stock option plans	3
Common stock issued under dividend reinvestment plan	193	489
Net cash provided by financing activities	24,390	44,467
Increase in cash and cash equivalents	33,953	52,229
Cash and cash equivalents as of	77,834	34,144
Cash and cash equivalents as of	111,787	86,373
Supplemental Disclosures of Cash Flow Information
Cash paid during the year for: Interest on deposits and other borrowed funds	1,121	1,849
Noncash Activities
Loans transferred to Other Real Estate	$ 293	$ 63

The sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by (used in) operations using the indirect method. The net increase in interest income during the period representing the systematic and rational allocation of deferred loan origination fees less deferred loan origination costs over the term of the debt arrangement to which they pertain.

No definition available.