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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
CASH FLOWS FROM OPERATING ACTIVITIES      
Net income $ 2,216 $ 1,302 $ 798
Adjustments to reconcile net income to net cash provided by operating activities:      
Provision for loan losses 2,848 2,325 3,911
Amortization of premiums and discounts on securities, net 1,932 1,567 449
Depreciation and amortization 1,298 1,201 1,241
Deferred income taxes (908) (548) 716
FHLB stock dividend (6) (6) (4)
Gain on sale of securities, net (348) (11) (20)
Loss on sale of other assets, net 142 157 97
Changes in:      
Interest receivable 97 333 498
Cash value of life insurance, net (229) (221) (218)
Other assets 1,539 2,771 2,472
Interest payable (142) (137) (461)
Other liabilities 184 (639) (1,169)
Net cash provided by operating activities 8,623 8,094 8,310
CASH FLOWS FROM INVESTING ACTIVITIES      
Purchase of securities available-for-sale (70,588) (86,530) (62,345)
Proceeds of maturities and calls of securities available-for-sale 59,102 70,346 23,139
Proceeds from sales of securities available-for-sale 6,310 0 0
Proceeds of maturities and calls of held-to-maturity 28,147 18,570 230
Purchase of securities held-to-maturity (36,340) (37,185) (9,614)
Sale of other securities 0 296 0
Additions to premises and equipment (178) (124) (730)
Proceeds of sale of other assets 1,241 3,063 2,251
Purchase of bank-owned life insurance (5) (21) 0
Redemption of bank-owned life insurance 0 36 60
Changes in:      
Loans 5,663 12,861 30,438
Federal funds sold 7,275 (10,720) (20,550)
Certificates of deposits with other banks 952 (1,482) (98)
Net cash provided by (used in) investing activities 1,579 (30,890) (37,219)
CASH FLOWS FROM FINANCING ACTIVITIES      
Proceeds from issuance of preferred stock 0 0 17,388
Dividends paid on common stock (1,442) (1,442) (1,441)
Dividends paid on preferred stock (358) (845) (354)
Reissuance of treasury stock 2 1 12
Repayment of debt (2,661) (1,942) (5,016)
Changes in:      
Deposits (117) 25,243 26,017
Federal funds purchased 0 0 (8,000)
Net cash provided by (used in) financing activities (4,576) 21,015 28,606
Net increase (decrease) in cash and cash equivalents 5,626 (1,781) (303)
Cash and cash equivalents at beginning of year 15,264 17,045 17,348
Cash and cash equivalents at end of year 20,890 15,264 17,045
Cash paid during the year for:      
Interest 2,915 4,413 5,834
Income taxes 308 256 56
Noncash activities:      
Transfers of loans to other real estate and repossessed inventory 6,539 5,569 10,993
Transfers of other real estate to premises and equipment 430 0 0
Transfers of other real estate to loans $ 667 $ 1,681 $ 817