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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
9 Months Ended
Sep. 30, 2015
Sep. 30, 2014
Net income $ 4,102 $ 4,349
Adjustments to reconcile net income to net cash and cash equivalents provided by operating activities:    
Amortization of premiums and accretion of discounts on securities, net 516 530
Depreciation and amortization expense 533 527
Deferred income taxes 492 (116)
Stock compensation expense 53 0
Increase in cash value of life insurance (101) (112)
Gain on life insurance (110) (129)
Gain on sale of securities 0 (54)
Provision for loan losses 50 190
Proceeds from sales of loans 22,193 20,596
Loans originated for sale (20,292) (19,525)
Gain on sale of loans (617) (499)
Decrease in accrued interest receivable 57 109
Decrease in accrued interest payable (37) (38)
Net change in other assets/liabilities (122) (64)
Net Cash Provided By Operating Activities 6,717 5,764
CASH FLOWS FROM INVESTING ACTIVITIES    
Investment in interest-bearing time deposits (3,610) (2,210)
Proceeds from maturities and sales of interest-bearing time deposits 245 0
Purchase of securities available for sale (20,375) (20,657)
Proceeds from maturities of securities available for sale 15,863 16,655
Proceeds from sales of securities available for sale 0 5,669
Principal collected on mortgage-backed obligations 8,973 8,120
Net increase in loans receivable (5,124) (13,962)
Proceeds from redemption of Federal Home Loan Bank stock 691 0
Proceeds from sale of foreclosed real estate 157 411
Purchase of premises and equipment (561) (514)
Net Cash Used In Investing Activities (3,741) (6,488)
CASH FLOWS FROM FINANCING ACTIVITIES    
Net increase (decrease) in deposits (10,050) 27,219
Net decrease in advances from Federal Home Loan Bank 0 (5,500)
Net decrease in retail repurchase agreements 0 (9,310)
Purchase of treasury stock (10) (908)
Dividends paid (1,748) (1,750)
Net Cash Provided By (Used In) Financing Activities (11,808) 9,751
Net Increase (Decrease) in Cash and Cash Equivalents (8,832) 9,027
Cash and cash equivalents at beginning of period 33,243 11,136
Cash and Cash Equivalents at End of Period $ 24,411 $ 20,163