Reconciliation of Net Income (Loss) to Net Cash Provided by Operating Activities for the three years ended:

	Year Ended December 31
	2014		2013		2012
	(In thousands)

Net income (loss)	$	5,696	$	51,989	$	(710)
Adjustments to reconcile net income (loss) to net cash (used) provided by operating activities
Depreciation		3,268		2,776		2,827
Net amortization of premiums and discounts on securities		2,353		3,882		4,740
Accretion of purchase accounting loan discount		(750)		0		0
Other amortization and accretion		494		(172)		20
Change in loans available for sale, net		1,754		22,189		(20,143)
Provision (recpature) for loan losses, net		(3,486)		3,188		10,796
Deferred tax benefit		0		(40,552)		(7)
Gain on sale of securities		(469)		(419)		(7,619)
Gain on sale of loans		(419)		(455)		(816)
Loss on sale or write down of foreclosed assets		310		1,295		3,548
Writedown on loan available for sale		0		0		1,238
Loss on branch closures and disposition of equipment		4,493		1		774
Stock based employee benefit expense		1,299		246		796
Earnings on bank owned lif insurance		(219)		0		0
Change in interest receivable		(2,763)		160		861
Change in interest payable		847		(27)		(524)
Change in prepaid expenses		(591)		4,562		2,601
Change in accrued taxes		4,294		(102)		(190)
Change in other assets		3,175		792		(835)
Change in other liabilities		2,660		499		581
Net cash provided (used) by operating activities	$	21,946	$	49,852	$	(2,062)

Supplemental disclosure of non cash investing activities
Fair value adjustment to securities	$	8,985	$	(21,957)	$	(3,405)
Transfers from loans to other real estate owned		4,789		5,087		14,067
Transfers from loans to loans available for sale		0		379		10,321
Matured securities recorded as a recievable		0		0		3,100
Securities principal receivable recorded in other assets		101		159		0
Transfer from securities held for investment to available for sale		0		13,818		0
Transfer from securities available for sale to held for investment		158,781		0		0