|
FY2012
12 months to Dec 31, 2012
|
FY2011
12 months to Dec 31, 2011
|
|
|---|---|---|
| Cash Flows from Operating Activities: | ||
| Net income | ||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||
| Depreciation and amortization | ||
| Provision for loan losses | ||
| Stock based compensation expense | ||
| Deferred income tax expense (benefit) | ||
| Accretion of trust preferred securities discount | ||
| Amortization of premiums and accretion of security discounts, net | ||
| Loans originated for sale | ||
| Sale of loans | ||
| Gain on sale of loans | ||
| Loss on the sale/valuation of OREO | ||
| Gain on sale of investment securities available-for-sale | ||
| Impairment loss on investment securities | ||
| Changes in other assets and other liabilities: | ||
| Increase in bank owned life insurance due to purchase | ||
| Decrease (increase) in other assets | ||
| Increase (decrease) in other liabilities | ||
| (Increase) decrease in accrued interest receivable | ||
| (Decrease) in accrued interest payable | ||
| Net cash provided by operating activities | ||
| Cash Flows from Investing Activities: | ||
| Proceeds from maturities and principal payments on investment securities held-to-maturity | ||
| Proceeds from maturities and principal payments on investment securities available-for-sale | ||
| Purchase of investment securities available-for-sale | ||
| Sales of investment securities available-for-sale | ||
| Net decrease (increase) in loans | ||
| Redemption of FHLB stock | ||
| Purchase of bank premises and equipment | ||
| Proceeds from sale of other real estate owned | ||
| Net cash (used in) provided by investing activities | ||
| Cash Flows from Financing Activities: | ||
| Net increase in demand, NOW, money market and savings accounts | ||
| Net (decrease) in time deposits | ||
| Net increase (decrease) in securities sold under agreement to repurchase | ||
| Repayment of other borrowed funds | ||
| Redemption of preferred stock | ||
| Net proceeds from issuance of capital stock | ||
| Proceeds from exercise of stock options and warrants | ||
| Dividend paid on preferred stock | ||
| Net cash (used in) provided by financing activities | ||
| Increase (decrease) in cash and cash equivalents | ||
| Cash and Cash Equivalents: | ||
| Beginning | ||
| Ending | ||
| Supplemental Disclosure of Cash Flow Information: | ||
| Interest | ||
| Income taxes | ||
| Supplemental Schedule of Noncash Investing Activities: | ||
| Unrealized gain (loss) on investment securities | ||
| Unrealized gain on securities transferred from held-to-maturity to available-for-sale | ||
| OREO transferred from loans | ||
| Loans made on the disposition of OREO |
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