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Consolidated Statements of Cash Flows (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 5,087 $ 3,935
Adjustments to reconcile net income to net cash and cash equivalents provided by operating activities:    
Amortization of premium and accretion of discount on securities, net 903 956
Depreciation and amortization expense 707 758
Deferred income taxes 200 (478)
Increase in cash value of life insurance (160) (181)
Provision for loan losses 725 1,525
Gain on sale of securities (29) (11)
Proceeds from sale of mortgage loans 39,572 43,051
Mortgage loans originated for sale (36,732) (42,706)
Gain on sale of mortgage loans (842) (1,045)
Decrease in accrued interest receivable 41 44
Decrease in accrued interest payable (98) (123)
Net change in other assets/liabilities 449 1,633
Net Cash Provided By Operating Activities 9,823 7,358
CASH FLOWS FROM INVESTING ACTIVITIES    
Investment in interest-bearing time deposits (3,025) (1,400)
Purchase of securities available for sale (25,884) (64,341)
Proceeds from maturities of securities available for sale 22,190 33,496
Proceeds from sales of securities available for sale 517 3,536
Principal collected on mortgage-backed obligations 12,691 14,978
Net increase in loans receivable (9,346) (6,560)
Proceeds from sale of foreclosed real estate 351 1,041
Purchase of premises and equipment (297) (762)
Cost method equity investment (540) 0
Net Cash Used In Investing Activities (3,343) (20,012)
CASH FLOWS FROM FINANCING ACTIVITIES    
Net increase (decrease) in deposits (10,513) 19,969
Net increase (decrease) in retail repurchase agreements (4,782) 4,967
Advances from Federal Home Loan Bank 5,500 0
Repayment of advances from Federal Home Loan Bank (5,100) (7,250)
Purchase of treasury stock (19) (14)
Dividends paid (2,241) (2,130)
Net Cash Provided By (Used In) Financing Activities (17,155) 15,542
Net Increase (Decrease) in Cash and Cash Equivalents (10,675) 2,888
Cash and cash equivalents at beginning of year 21,811 18,923
Cash and Cash Equivalents at End of Year $ 11,136 $ 21,811