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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2015
Dec. 31, 2014
Dec. 31, 2013
Cash flows from operating activities:      
Net income $ 8,599 $ 7,654 $ 4,974
Adjustments to reconcile net income to net cash provided by operating activities:      
Provision for loan losses 250 0 2,030
Depreciation expense 1,810 1,758 1,605
Net amortization of investment securities, premiums, and discounts 1,317 1,058 1,211
Amortization of intangible assets 0 0 135
Stock based compensation expense 10 20 19
Change in fair value of mortgage servicing rights 301 576 25
Gain on sale of investment securities (8) (20) (778)
Gain on sales and dispositions of premises and equipment (8) (60) (6)
Gain (loss) on sales and dispositions of other real estate owned and repossessed assets (156) (188) 330
Provision for other real estate owned 17 585 3,367
(Increase) decrease in accrued interest receivable (37) 183 191
Increase in cash surrender value - life insurance (64) (71) (77)
Decrease (increase) in other assets 1,212 (479) 4,311
Decrease (increase) in income tax receivable 621 (826) 524
Increase (decrease) in accrued interest payable 9 (53) (483)
Decrease in other liabilities 911 966 1,113
Origination of mortgage loans for sale (51,307) (35,434) (72,100)
Proceeds from the sale of mortgage loans 51,503 36,623 76,240
Gain on sale of mortgage loans, net (1,386) (1,093) (1,944)
Other, net (252) 2,355 (444)
Net cash provided by operating activities 13,342 13,554 20,243
Cash flows from investing activities:      
Net increase in loans (9,226) (28,357) (2,525)
Purchase of available-for-sale debt securities (102,367) (48,942) (88,137)
Proceeds from maturities of available-for-sale debt securities 36,143 23,702 33,341
Proceeds from calls of available-for-sale debt securities 26,840 28,605 8,275
Proceeds from sales of available-for-sale debt securities 720 5,334 32,590
Proceeds from sales of FHLB stock 1,600 439 536
Purchases of FHLB stock (4,915) (1,160) (612)
Purchases of premises and equipment (872) (1,342) (2,680)
Proceeds from sales of premises and equipment 11 65 23
Proceeds from sales of other real estate owned and repossessed assets 1,836 4,560 9,641
Net cash used by investing activities (50,230) (17,096) (9,548)
Cash flows from financing activities:      
Net increase (decrease) in demand deposits 335 20,318 (4,889)
Net (decrease) increase in interest-bearing transaction accounts (1,051) 22,974 13,383
Net decrease in time deposits (21,601) (30,249) (43,298)
Net increase (decrease) in federal funds purchased and securities sold under agreements to repurchase 38,864 (13,114) 10,026
Repayment of FHLB advances (85,000) (10,000) (15,126)
FHLB advances 92,000 29,000 19,000
Redemption of 18,255 of preferred stock 0 0 (18,255)
Warrant redemption 0 0 (540)
Purchase of treasury stock (33) 0 0
Cash dividends paid - preferred stock 0 0 (456)
Cash dividends paid - common stock (1,058) (1,017) (978)
Net cash provided (used) by financing activities 22,456 17,912 (41,133)
Net (decrease) increase in cash and cash equivalents (14,432) 14,370 (30,438)
Cash and cash equivalents, beginning of year 42,809 28,439 58,877
Cash and cash equivalents, end of year 28,377 42,809 28,439
Cash paid during the year for:      
Interest 4,992 5,097 6,825
Income taxes 3,509 2,265 131
Supplemental schedule of noncash investing and financing activities:      
Other real estate and repossessions acquired in settlement of loans $ 5,804 $ 1,975 $ 4,613