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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
CASH FLOWS FROM OPERATING ACTIVITIES      
Net income $ (29) $ 3,797 $ 3,634
Adjustments to reconcile net income (loss) to net cash provided by operating activities:      
Depreciation and amortization 2,742 2,725 2,543
Provision for loan losses 4,160 1,930 1,025
Net gain on sale of available-for-sale securities (96) (522) (76)
Net amortization of securities 2,247 2,196 2,188
Increase in loans held for sale (779) 0 0
Net (gain) loss on disposal of premises and equipment 4 (3) 6
Net (gain) loss on write-down/sale of other real estate owned (18) 154 957
Income from bank owned life insurance (774) (795) (885)
Stock compensation expense 17 0 0
Deferred tax benefit (117) (19) (227)
Decrease (increase) in other assets 458 (567) (3,969)
Decrease (Increase) in other liabilities 3,177 (243) 3,637
Pension plan contribution (1,554) 0 (1,000)
Net cash provided by operating activities 9,438 8,653 7,833
CASH FLOWS FROM INVESTING ACTIVITIES      
Purchases of available-for-sale securities (23,095) (151,204) (104,103)
Proceeds from redemption of restricted securities, net (2,876) 1,046 277
Proceeds from maturities and calls of available-for-sale securities 50,290 43,660 80,790
Proceeds from maturities and calls of held-to-maturity securities 0 0 300
Proceeds from sales of available-for-sale securities 4,480 107,647 23,005
Paydowns on available-for-sale securities 9,981 11,288 9,353
Paydowns on held-to-maturity securities 0 0 8,161
(Purchases) paydowns of consumer installment loans, net (6,944) (2,281) (6,797)
Net increase in all other loans (including repayments on student loans) (130,671) (34,549) (26,599)
Proceeds from sales of other real estate owned 1,084 1,699 1,956
Payments for improvements to other real estate owned 0 (52) 0
Purchases of premises and equipment (619) (891) (1,756)
Net cash used in investing activities (98,370) (23,637) (15,413)
CASH FLOWS FROM FINANCING ACTIVITIES      
(Increase) decrease in noninterest-bearing deposits (2,925) 13,551 28,810
Decrease in savings deposits 601 23,082 14,292
Decrease (increase) in time deposits 1,416 1,398 (13,285)
Decrease (increase) in federal funds purchased and repurchase agreements, net 11,989 (7,246) (11,866)
Increase in Federal Home Loan Bank advances 167,500 55,000 20,000
Repayment of Federal Home Loan Bank advances (100,000) (80,000) (25,000)
Proceeds from exercise of stock options and ESPP issuance 1,264 46 0
Repurchase and retirement of common stock (157) 0 0
Cash dividends paid on common stock (2,198) (1,983) (1,686)
Net cash provided by financing activities 77,490 3,848 11,265
Net increase (decrease) in cash and cash equivalents (11,442) (11,136) 3,685
Cash and cash equivalents at beginning of period 25,854 36,990 33,305
Cash and cash equivalents at end of period 14,412 25,854 36,990
Cash payments for:      
Interest 2,880 2,587 3,646
Income tax 600 0 200
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS      
Unrealized gain (loss) on securities available-for-sale 1,563 (1,762) (755)
Loans transferred to other real estate owned 0 0 553
Former bank property transferred from fixed assets to foreclosed properties 0 127 0
(Increase) decrease in pension liability 3,741 177 (237)
Securities transferred from held-to-maturity to available-for-sale 0 0 85,555
Unamortized losses on transfer date on securities transferred from available-for-sale to held-to-maturity, eliminated upon transfer back to available-for-sale 0 0 4,197
Amortization of unrealized loss on securities transferred to held-to-maturity $ 0 $ 0 $ 934