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Consolidated Statements of Cash Flows (Unaudited) (USD $)
In Thousands
6 Months Ended
Jun. 30, 2011
Jun. 30, 2010
Operating Activities    
Net income $ 1,842 $ 2,574
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for loan losses 5,445 4,218
Depreciation and amortization 636 727
Amortization of premiums and discounts 675 829
Amortization of intangibles 67 67
Amortization of loan servicing rights 26 98
Amortization of deferred loan fees and costs (140) 37
Federal deferred income tax expense (benefit) 637 (844)
Securities gains, net (500) (38)
Share-based compensation 92 42
Loans originated for sale (35,116) (38,075)
Proceeds from sales of loan originations 39,330 40,330
Net gain from loan sales (417) (387)
Net loss on sale of other assets 25 45
Net decrease (increase) in accrued interest receivable and other assets (1,339) 3,276
Net decrease in accrued interest payable, taxes and other liabilities (560) (1,275)
Net cash provided by operating activities 10,703 11,624
Investing Activities    
Proceeds from sales of available-for-sale securities 24,664 4,170
Proceeds from maturities of available-for-sale securities 23,826 41,368
Purchase of available-for-sale securities (56,621) (41,091)
Proceeds from maturities of trading securities   436
Proceeds from sale of trading securities   7,338
Purchase of Federal Reserve Bank Stock   (756)
Net (increase) decrease in loans made to customers (23,843) 3,155
Proceeds from the sale of other real estate owned 2,837 117
Purchase of bank premises and equipment (197) (276)
Net cash (used in) provided by investing activities (29,334) 14,461
Financing Activities    
Net increase (decrease) in demand and other noninterest-bearing 14,734 (2,816)
Net increase in savings, money market and interest-bearing demand 19,135 2,515
Net increase (decrease) in time deposits (30,358) 2,758
Net increase (decrease) in short-term borrowings (175) 268
Proceeds from Federal Home Loan Bank advances 15,000 30,000
Payment of Federal Home Loan Bank advances (15,003) (30,002)
Dividends paid (789) (778)
Net cash provided by financing activities 2,544 1,945
Net increase (decrease) in cash and cash equivalents (16,087) 28,030
Cash and cash equivalents, January 1 48,568 26,946
Cash and cash equivalents, June 30 32,481 54,976
Supplemental cash flow information    
Interest paid 5,412 6,930
Income taxes paid 610  
Loans transferred to other real estate owned $ 2,295 $ 1,366