AMERICAN RIVER BANKSHARES Cashflow Statement

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Financial Statements

Income Statement Balance Sheet Cashflow Statement

Consolidated statements of cash flows

In millions of USD, except per-share amounts

	FY2020 12 months to Dec 31, 2020	FY2019 12 months to Dec 31, 2019	FY2018 12 months to Dec 31, 2018	FY2017 12 months to Dec 31, 2017	FY2016 12 months to Dec 31, 2016
Net income
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses
Change in deferred loan origination fees, costs and purchase premiums, net
Depreciation and amortization
Amortization of investment security premiums and discounts, net
Gain on sale and call of investment securities
Gain on sale of investment securities
Increase in cash surrender value of life insurance policies
Gain on life insurance death benefit
Deferred income tax (benefit) expense
Stock-based compensation expense
Write-down of other real estate owned
Fair value adjustment to acquired other real estate owned
Increase in accrued interest receivable and other assets
(Decrease) increase in accrued interest payable and other liabilities
Net cash provided by operating activities

Cash flows from investing activities:
Proceeds from the sale of available-for-sale investment securities
Proceeds from called available-for-sale investment securities
Proceeds from matured available-for-sale investment securities
Purchases of available-for-sale investment securities
Proceeds from principal repayments for available-for-sale mortgage-backed securities
Net (increase) decrease in interest-bearing deposits in banks
Proceeds from principal repayments for held-to-maturity mortgage-backed securities
Purchases of bank owned life insurance
Net increase in loans
Proceeds from sale of loans
Purchases of loans
Net proceeds from sale of other real estate owned
Death benefit from life insurance policy
Capitalized additions to other real estate
Purchases of equipment
Net decrease (increase) in FHLB stock
Net cash used in investing activities

Cash flows from financing activities:
Net increase in demand, interest-bearing and savings deposits
Net (decrease) increase in time deposits
Cash paid to repurchase common stock
Proceeds from exercised options
Increase (decrease) in long-term borrowings
Decrease in short-term borrowings
(Decrease) increase in short-term borrowings
Cash dividends paid
Net cash provided by financing activities

Increase (decrease) in cash and cash equivalents
Cash and cash equivalents at beginning of year
Cash and cash equivalents at end of year
Supplemental disclosure of cash flow information:
Right of use asset and obligation recorded upon adoption of ASU 2016-02
Addition to right of use asset and obligation recorded upon renewal of existing lease
Cash paid during the year for:
Interest expense
Income taxes
Real estate acquired through foreclosure, repossession or deed in lieu of foreclosure
Loans resulting from sale of other real estate owned

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