Quarterly report pursuant to Section 13 or 15(d)

CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited)

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CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) (USD $)
In Thousands, unless otherwise specified
3 Months Ended
Mar. 31, 2013
Mar. 31, 2012
CASH FLOWS FROM OPERATING ACTIVITIES    
Net Income $ 839 $ (1,162)
Adjustments to Reconcile Net Income (Loss) to Cash Provided by Operating Activities:    
Provision for Loan Losses 1,070 4,793
Depreciation 1,628 1,669
Amortization of Premiums, Discounts, and Fees (net) 992 827
Amortization of Intangible Assets 68 108
Net Decrease in Loans Held-for-Sale 2,767 7,664
Stock-Based Compensation 216 56
Deferred Income Taxes 1,715 277
Loss on Sales and Write-Downs of Other Real Estate Owned 1,883 2,097
Net Increase in Other Assets (7,768) (11,993)
Net Increase in Other Liabilities 3,012 9,890
Net Cash Provided By Operating Activities 6,422 14,226
Securities Available-for-Sale:    
Purchases (47,863) (18,986)
Sales    805
Payments, Maturities, and Calls 36,270 39,586
Net Decrease in Loans 36,892 33,479
Proceeds From Sales of Other Real Estate Owned 6,101 6,479
Purchase of Premises & Equipment (419) (2,086)
Net Cash Provided By (Used In) Investing Activities 30,981 59,277
CASH FLOWS FROM FINANCING ACTIVITIES    
Net (Decrease) Increase in Deposits (31,014) 13,185
Net Decrease in Short-Term Borrowings (657) (2,731)
Increase in Other Long-Term Borrowings   560
Repayment of Other Long-Term Borrowings (1,731) (793)
Issuance of Common Stock 658 207
Net Cash (Used In) Provided By Financing Activities (32,744) 10,428
NET INCREASE IN CASH AND CASH EQUIVALENTS 4,659 83,931
Cash and Cash Equivalents at Beginning of Period 509,732  
Cash and Cash Equivalents at End of Period 514,391  
Supplemental Cash Flow Disclosures:    
Interest Paid 865 1,152
Income Taxes Paid 12 24
Noncash Investing and Financing Activities:    
Loans Transferred to Other Real Estate Owned 12,979 4,076
Transfer of Current Portion of Long-Term Borrowings $ 3,904 $ 1,547