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Consolidated Statements of Cash Flows (Unaudited) (USD $)
In Thousands, unless otherwise specified
9 Months Ended
Jun. 30, 2012
Jun. 30, 2011
Operating Activities:    
Net income $ 856 $ 938
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision for loan losses 1,275 900
Provision for depreciation and amortization 403 429
Deferred loan fee amortization (24) (111)
Amortization of investment and mortgage-backed securities (discounts) premiums, net 845 699
Realized gains on sales of securities, net (381) (586)
Impairment losses on securities 951 1,411
Loans originated for sale (31,890) (11,015)
Sales of loans held for sale 31,343 12,754
Net gains on sales of loans (558) (249)
Earnings on cash surrender value of life insurance policies (191) (191)
Decrease in interest receivable 279 247
Decrease in interest payable (118) (204)
Increase in prepaid taxes (93) (197)
Non-cash compensation expense related to stock benefit plans 14 28
Changes in other assets 630 1,381
Changes in other liabilities (101) 1,270
Net cash provided by operating activities 3,240 7,504
Investing Activities    
Proceeds from sales of securities available-for-sale 9,276 22,382
Proceeds from maturities and principal repayments of securities available-for-sale 37,764 23,459
Purchases of securities available-for-sale (48,499) (51,254)
Proceeds from maturities and principal repayments of securities held-to-maturity 41,943 35,273
Purchases of securities held-to-maturity (31,183) (41,867)
Net decrease in loans 5,817 26,665
Proceeds from sales of foreclosed real estate 655 297
Purchases of office premises and equipment (126) (794)
Redemptions of Federal Home Loan Bank (FHLB) stock 1,166 1,431
Net cash provided by investing activities 16,813 15,592
Financing Activities    
Net increase in deposits 23,193 1,172
Net decrease in retail securities sold under agreement to repurchase (2,417) (3,167)
Net decrease in wholesale securities sold under agreement to repurchase (10,000) (30,000)
Net (decrease) increase in short-term borrowings (302) 35
Increase in advance payments by borrowers for taxes and insurance 1,379 1,632
Repayments of long-term debt (15,000) (401)
Cash dividends paid (446) (446)
Stock options exercised 7  
Proceeds from sale of stock through Dividend Reinvestment Plan 18 12
Net cash used in financing activities (3,568) (31,163)
Net increase (decrease) in cash and cash equivalents 16,485 (8,067)
Cash and cash equivalents at beginning of period 24,856 29,337
Cash and cash equivalents at end of period 41,341 21,270
Supplemental Disclosure of Cash Flow Information    
Interest paid on deposits and other borrowings 7,580 9,353
Income taxes paid 85 595
Supplemental Schedule of Noncash Investing and Financing Activities    
Transfer of loans to foreclosed real estate $ 4,688 $ 2,822