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Consolidated Statements of Cash Flows (USD $)
In Thousands, unless otherwise specified
9 Months Ended
Sep. 30, 2013
Sep. 30, 2012
OPERATING ACTIVITIES    
Net income $ 3,352 $ 4,304
Adjustments to reconcile net income to net cash provided by operating activities:    
Credit for loan losses (100) (1,325)
Depreciation expense 1,178 1,116
Net amortization of investment securities 629 847
Net realized gains on investment securities available for sale (137) (12)
Net gains on loans held for sale (912) (789)
Amortization of deferred loan fees (228) (134)
Origination of mortgage loans held for sale (49,686) (58,359)
Sales of mortgage loans held for sale 58,340 59,617
Increase in accrued interest income receivable (340) (187)
Decrease in accrued interest payable (414) (388)
Earnings on bank owned life insurance (605) (644)
Deferred income taxes 1,327 1,843
Stock based compensation expense 68 30
Decrease in prepaid Federal Deposit Insurance 1,444 290
Other, net (1,337) (2,256)
Net cash provided by operating activities 12,579 3,953
INVESTING ACTIVITIES    
Purchases of investment securities - available for sale (41,176) (32,199)
Purchases of investment securities - held to maturity (8,432) (4,578)
Proceeds from sales of investment securities - available for sale 2,298 4,221
Proceeds from maturities of investment securities - available for sale 37,335 43,694
Proceeds from maturities of investment securities - held to maturity 4,067 2,635
Purchases of regulatory stock (4,180)   
Proceeds from redemption of regulatory stock 3,844 1,083
Long-term loans originated (144,733) (148,238)
Principal collected on long-term loans 111,399 116,812
Loans purchased or participated (9,000) (14,492)
Loans sold or participated 1,000 8,500
Proceeds from sale of other real estate owned 1,027 110
Proceeds from life insurance policy 356   
Purchases of premises and equipment (2,643) (1,629)
Net cash used in investing activities (48,838) (24,081)
FINANCING ACTIVITIES    
Net increase in deposit balances 16,412 33,705
Net increase (decrease) in other short-term borrowings 15,436 (15,765)
Principal borrowings on advances from Federal Home Loan Bank 14,000 17,000
Principal repayments on advances from Federal Home Loan Bank (6,000) (11,000)
Purchases of treasury stock (1,171) (4,147)
Common stock dividends (379)   
Preferred stock dividends (157) (776)
Net cash provided by financing activities 38,141 19,017
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 1,882 (1,111)
CASH AND CASH EQUIVALENTS AT JANUARY 1 26,820 34,783
CASH AND CASH EQUIVALENTS AT SEPTEMBER 30 $ 28,702 $ 33,672