Annual report pursuant to Section 13 and 15(d)

CONSOLIDATED STATEMENTS OF CASH FLOWS

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CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
CASH FLOWS FROM OPERATING ACTIVITIES:      
NET INCOME (LOSS) $ 108 $ 4,897 $ (413)
Adjustment to Reconcile Net Income (Loss) to Cash Provided by Operating Activities:      
Provision for Loan Losses 16,166 18,996 23,824
Depreciation 6,759 6,770 7,050
Amortization of Premiums, Discounts, and Fees (net) 3,358 3,726 3,350
Amortization of Intangible Assets 431 675 2,682
Gain on Securities Transactions       (8)
Loss on Impaired Security       100
Net Decrease (Increase) in Loans Held-for-Sale 7,036 (9,654) 395
Stock-Based Compensation 262      
Net Decrease (Increase) in Deferred Income Taxes (2,805) (2,919) 1,898
Loss on Sales and Write-Downs of Other Real Estate Owned 6,314 6,351 10,144
Net Decrease (Increase) in Other Assets 5,665 (4,163) (10,987)
Net Increase in Other Liabilities 13,393 12,844 19,060
Net Cash Provided By Operating Activities 56,687 37,523 57,095
Securities Available-for-Sale:      
Purchases (141,863) (81,984) (224,245)
Sales 805    505
Payments, Maturities, and Calls 146,862 81,405 86,935
Net Decrease in Loans 59,751 78,889 75,274
Proceeds From Sales of Other Real Estate Owned 25,636 26,424 17,300
Proceeds From Sales of Premises & Equipment 25    7
Purchase of Premises & Equipment (2,885) (2,405) (6,975)
Net Cash Provided By (Used In) Investing Activities 88,331 102,329 (51,199)
CASH FLOWS FROM FINANCING ACTIVITIES:      
Net (Decrease) Increase in Deposits (27,523) 68,543 (154,258)
Net (Decrease) Increase in Short-Term Borrowings (3,121) (49,556) 47,087
Increase in Other Long-Term Borrowings 12,591 789 12,478
Repayment of Other Long-Term Borrowings (3,154) (6,284) (1,757)
Dividends Paid    (5,142) (8,368)
Issuance of Common Stock 607 919 822
Net Cash (Used In) Provided By Financing Activities (20,600) 9,269 (103,996)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 124,418 149,121 (98,100)
Cash and Cash Equivalents at Beginning of Year 385,314 236,193 334,293
Cash and Cash Equivalents at End of Year 509,732 385,314 236,193
SUPPLEMENTAL DISCLOSURES:      
Interest Paid 6,662 8,176 13,982
Income Taxes Paid, Net of Refunds Received (3,799) 1,601 (185)
Noncash Investing and Financing Activities:      
Loans Transferred to Other Real Estate Owned 22,777 37,438 49,247
Transfer of Current Portion of Long-Term Borrowings $ 7,184    $ 10,000