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Consolidated Statement of Cash Flows (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Dec. 31, 2011
Dec. 31, 2010
Dec. 31, 2009
Cash Flows from Operating Activities      
Net income $ 8,514 $ 6,981 $ 6,605
Adjustments to reconcile net income to net cash from operating activities:      
Depreciation 1,135 1,147 1,171
Amortization of servicing rights 498 683 933
Amortization of Core Deposit Intangible 312 235 157
Provision for loan loss 1,715 5,325 3,558
Gain on sale of loans held for sale (807) (1,392) (1,203)
Originations of loans held for sale (52,853) (83,705) (118,491)
Proceeds from sale of loans held for sale 53,631 82,315 118,284
Accretion and amortization of securities 2,902 1,595 809
Deferred income tax expense (benefit) (165) 210 142
Loss on sale of other assets 1,153 109 75
Gain on sales of securities (504) (956) (230)
Change in other assets and other liabilities, net 1,628 (1,112) (6,026)
Net cash provided by operating activities 17,159 11,435 5,784
Activity in securities:      
Sales 30,376 55,700 16,333
Maturities, prepayments and calls 53,661 104,602 78,292
Purchases (117,744) (244,812) (124,354)
Loan and lease originations and principal collections, net 18,266 38,094 (3,723)
Proceeds from sales of assets 14 716 494
Additions to premises and equipment (947) (2,294) (412)
Net cash paid for acquisition   (1,141)  
Net cash used in investing activities (16,374) (49,135) (33,370)
Cash Flows from Financing Activities      
Net increase (decrease) in deposits 14,869 48,069 60,712
Net change in federal funds purchased and securities sold under agreements to repurchase 1,199 7,984 (4,957)
Proceeds from issuance of long-term debt   9,000  
Repayment of long-term debt (13,212) (13,326) (11,436)
Purchase of Treasury Stock (310) (894) (555)
Cash dividends paid on common stock (3,567) (3,402) (3,417)
Net cash provided by (used) financing activities (1,021) 47,431 40,347
Net Increase (Decrease) in Cash and Cash Equivalents (236) 9,731 12,761
Cash and Cash Equivalents - Beginning of Year 43,379 33,648 20,887
Cash and Cash Equivalents - End of Year 43,143 43,379 33,648
Cash paid during the year for:      
Interest 8,285 11,244 13,275
Income taxes 1,850 1,875 2,725
Noncash investing activities:      
Transfer of Other Real Estate $ 2,236 $ 3,867 $ 1,588