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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 5,607 $ 5,087
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 699 903
Depreciation and amortization expense 698 707
Deferred income taxes 285 200
Increase in cash value of life insurance (150) (160)
Gain on life insurance (129) 0
Gain on sale of securities (54) (29)
Provision for loan losses 190 725
Proceeds from sale of loans 29,814 39,572
Loans originated for sale (29,098) (36,732)
Gain on sale of loans (713) (842)
Decrease in accrued interest receivable 136 41
Decrease in accrued interest payable (65) (98)
Net change in other assets/liabilities (272) 449
Net Cash Provided By Operating Activities 6,948 9,823
CASH FLOWS FROM INVESTING ACTIVITIES    
Investment in interest-bearing time deposits (4,820) (3,025)
Proceeds from maturities and sales of interest-bearing time deposits 975 0
Purchase of securities available for sale (27,644) (25,884)
Proceeds from maturities of securities available for sale 21,442 22,190
Proceeds from sales of securities available for sale 5,669 517
Principal collected on mortgage-backed obligations 10,824 12,691
Net increase in loans receivable (12,402) (9,346)
Proceeds from sale of foreclosed real estate 503 351
Proceeds from redemption of Federal Home Loan Bank stock 579 0
Purchase of premises and equipment (559) (297)
Cost method equity investment (171) (540)
Net Cash Used In Investing Activities (5,604) (3,343)
CASH FLOWS FROM FINANCING ACTIVITIES    
Net increase (decrease) in deposits 38,806 (10,513)
Net decrease in retail repurchase agreements (9,310) (4,782)
Advances from Federal Home Loan Bank 10,000 5,500
Repayment of advances from Federal Home Loan Bank (15,500) (5,100)
Purchase of treasury stock (908) (19)
Dividends paid (2,325) (2,241)
Net Cash Provided By (Used In) Financing Activities 20,763 (17,155)
Net Increase (Decrease) in Cash and Cash Equivalents 22,107 (10,675)
Cash and cash equivalents at beginning of period 11,136 21,811
Cash and Cash Equivalents at End of Period $ 33,243 $ 11,136