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FY2011
12 months to Dec 31, 2011
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|---|---|
| Cash flows from operating activities: | |
| Net income for period | |
| Adjustments to reconcile net income to net cash provided by (used in) operating activities: | |
| Provision for loan losses | |
| Depreciation expense | |
| Amortization (accretion) of deferred fees, discounts and premiums, net | |
| Mortgage loans originated for sale | |
| Proceeds from sale of mortgage loans held for sale | |
| Net gain on sales of mortgage loans | |
| Stock based compensation, net | |
| Net gain on sales of investment securities | |
| Loss on impairment of real estate owned | |
| Changes in assets and liabilities: | |
| Increase (decrease) in other assets | |
| (Decrease) increase in accrued expenses and other liabilities | |
| Net cash provided by (used in) operating activities | |
| Cash flows from investing activities: | |
| Maturity of certificates of deposit at other financial institutions | |
| Purchase of available-for-sale securities | |
| Proceeds from sales of available-for-sale securities | |
| Proceeds from principal payments and maturities of securities | |
| Net disbursements for loan originations | |
| Purchases of loans | |
| Redemption/ (purchase) of Federal Home Loan Bank stock | |
| Purchase of Federal Reserve Bank stock | |
| Leasehold improvements and acquisitions of capital assets, net of disposals | |
| Proceeds from sale of real estate owned | |
| Net cash used in investing activities | |
| Cash flows from financing activities: | |
| Net increase in deposits | |
| Proceeds of advances from line of credit & FHLB | |
| Repayment of advances | |
| Net cash provided by (used in) financing activities | |
| Net decrease in cash and cash equivalents | |
| Cash and cash equivalents at beginning of period | |
| Cash and cash equivalents at end of period | |
| Supplemental cash flow information | |
| Interest paid | |
| Income taxes paid | |
| Transfer of loans to real estate owned |
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