CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2011	Dec. 31, 2010
Cash Flows from Operating Activities
Net income	$ 1,561	$ 1,287
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Depreciation	621	539
Provision for loan losses	946	1,506
Granting of stock options	27	28
Net amortization of premiums on securities available-for-sale	185	208
Net realized gain on sale of foreclosed real estate	(9)	(13)
Net realized gain on sale of securities available-for-sale	(274)	(6)
Acquisition of mortgage servicing rights		(49)
Amortization of intangible assets	39	40
Deferred income taxes	(234)	(15)
Proceeds from sale of mortgage loans	18,385	22,370
Net gain on sale of mortgage loans	(258)	(389)
Mortgage loans originated for sale	(18,189)	(22,303)
Earnings on cash value of life insurance	(235)	(249)
Decrease in accrued interest receivable and other assets	244	192
Increase (decrease) in accrued interest payable and other liabilities	193	(273)
Net Cash Provided by Operating Activities	3,002	2,873
Cash Flows from Investing Activities
Net maturities of interest-bearing time deposits	100	2,350
Securities available-for-sale:
Proceeds from maturities, calls and principal repayments	8,371	12,841
Proceeds from sales	19,989	6,350
Purchases	(20,571)	(33,794)
Net decrease in restricted stock	714	99
Net increase in loans	(23,044)	(6,343)
Purchases of premises and equipment	(366)	(908)
Proceeds from sale of foreclosed assets	76	252
Proceeds from life insurance	167
Net Cash (Used in) Investing Activities	(14,564)	(19,153)
Cash Flows from Financing Activities
Net increase in deposits	9,070	22,336
Net increase (decrease) in securities sold under agreements to repurchase	(75)	161
Proceeds from long-term borrowings	1,500
Amortization for long-term borrowings	(5)	(14)
Purchase of treasury stock	(232)	(40)
Dividends paid	(912)	(875)
Net Cash Provided by Financing Activities	9,346	21,568
Net Increase (Decrease) in Cash and Cash Equivalents	(2,216)	5,288
Cash and Cash Equivalents - Beginning	30,121	24,833
Cash and Cash Equivalents - Ending	27,905	30,121
Supplementary Cash Flows Information
Interest paid	3,735	4,198
Income taxes paid	375	237
Transfer of loans to foreclosed assets	$ 1,135	$ 157

Riverview Financial Corp 10-K