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Consolidated Statements of Cash Flows (Unaudited) (USD $)
In Thousands
6 Months Ended
Jun. 30, 2011
Jun. 30, 2010
Cash flows from operating activities:    
Net loss $ (1,874) $ (9,679)
Adjustments to reconcile net loss to cash provided by operating activities:    
Provision for loan losses 5,409 10,893
Depreciation 640 837
Amortization of premiums, net 166 324
Amortization of deferred loan fees (294) (114)
Amortization of mortgage servicing rights, net 213 219
Capitalized mortgage servicing rights (147) (333)
Deferred income tax 0 11,625
Loss (gain) on real estate 190 (728)
Gains on sales of loans (796) (781)
Proceeds from sale of loans held for sale 25,350 39,782
Disbursements on loans held for sale (19,237) (35,981)
Amortization of restricted stock awards 152 190
Amortization of unearned ESOP shares 97 96
Earned employee stock ownership shares priced below original cost (38) (19)
Stock option compensation 14 31
Decrease (increase) in accrued interest receivable 379 (282)
Decrease in accrued interest payable (194) (660)
Decrease (increase) in other assets 867 (4,926)
Increase (decrease) in accrued expenses and other liabilities 1,965 (482)
Other, net 119 3
Net cash provided by operating activities 12,981 10,015
Cash flows from investing activities:    
Principal collected on securities available for sale 6,635 9,803
Proceeds collected on maturities of securities available for sale 80,000 63,000
Purchases of securities available for sale (69,028) (70,149)
Purchase of Federal Home Loan Bank Stock (17) (874)
Redemption of Federal Home Loan Bank Stock 1,186 971
Proceeds from sales of real estate 2,463 13,616
Net decrease in loans receivable 45,473 32,695
Purchases of premises and equipment (115) (64)
Net cash provided by investing activities 66,597 48,998
Cash flows from financing activities:    
Decrease in deposit (36,247) (49,820)
Dividends to preferred stockholders 0 (650)
Proceeds from borrowings 0 5,000
Repayment of borrowings (37,500) (5,000)
Decrease in customer escrows (88) (257)
Net cash used by financing activities (73,835) (50,727)
Increase in cash and cash equivalents 5,743 8,286
Cash and cash equivalents, beginning of period 20,981 16,418
Cash and cash equivalents, end of period 26,724 24,704
Supplemental cash flow disclosures:    
Cash paid for interest 6,509 10,182
Cash paid for income taxes 0 39
Supplemental noncash flow disclosures:    
Transfer of loans to real estate 8,259 8,254
Loans transferred to loans held for sale $ 3,607 $ 2,899