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Consolidated Statements of Cash Flows (USD $)
In Thousands, unless otherwise specified
3 Months Ended
Mar. 31, 2014
Mar. 31, 2013
OPERATING ACTIVITIES    
Net income $ 930 $ 1,056
Adjustments to reconcile net income to net cash provided by operating activities:    
Provision (credit) for loan losses    (250)
Depreciation expense 457 386
Net amortization of investment securities 96 226
Net realized gains on investment securities available for sale (57) (71)
Net gains on loans held for sale (101) (386)
Amortization of deferred loan fees (75) (82)
Origination of mortgage loans held for sale (6,109) (16,288)
Sales of mortgage loans held for sale 6,804 23,309
Increase in accrued interest income receivable (291) (345)
Decrease in accrued interest payable (186) (338)
Earnings on bank owned life insurance (187) (201)
Deferred income taxes 141 401
Stock based compensation expense 32 17
Decrease in prepaid Federal Deposit Insurance    120
Other, net 699 (736)
Net cash provided by operating activities 2,153 6,818
INVESTING ACTIVITIES    
Purchases of investment securities - available for sale (2,520) (10,170)
Purchases of investment securities - held to maturity (151) (3,423)
Proceeds from sales of investment securities - available for sale 2,753 1,218
Proceeds from maturities of investment securities - available for sale 5,428 13,305
Proceeds from maturities of investment securities - held to maturity 321 755
Purchases of regulatory stock (1,830)   
Proceeds from redemption of regulatory stock 2,973 614
Long-term loans originated (37,426) (34,833)
Principal collected on long-term loans 34,040 42,737
Loans purchased or participated    (3,000)
Loans sold or participated    1,000
Proceeds from sale of other real estate owned    113
Purchases of premises and equipment (389) (1,146)
Net cash provided by investing activities 3,199 7,170
FINANCING ACTIVITIES    
Net increase in deposit balances 20,763 11,460
Net decrease in other short-term borrowings (29,072) (15,660)
Principal borrowings on advances from Federal Home Loan Bank 3,000 9,000
Principal repayments on advances from Federal Home Loan Bank    (6,000)
Common stock dividends (187)   
Preferred stock dividends (53) (52)
Net cash used in financing activities (5,549) (1,252)
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS (197) 12,736
CASH AND CASH EQUIVALENTS AT JANUARY 1 30,066 26,820
CASH AND CASH EQUIVALENTS AT MARCH 31 $ 29,869 $ 39,556