|
FY2012
12 months to Dec 31, 2012
|
FY2011
12 months to Dec 31, 2011
|
|
|---|---|---|
| CASH FLOWS FROM OPERATING ACTIVITIES: | ||
| Net earnings | ||
| Adjustments to reconcile net earnings to net cash (used in) provided by operating activities: | ||
| Provision for loan losses | ||
| Provision for losses on real estate acquired in settlement of loans | ||
| Depreciation | ||
| Loss on disposal on premises and equipment | ||
| Accretion of (discounts)/premiums on investment securities | ||
| Gain on sale of MBS- available for sale | ||
| Gain on sale of investment securities- available for sale | ||
| Gain on sale of other real estate owned | ||
| Gain on sale of loans | ||
| Loans originated for sale | ||
| Proceeds from sale of loans originated for sale | ||
| Increase in cash surrender value of bank owned life insurance | ||
| (Increase) decrease in other assets | ||
| Decrease (increase) in accrued interest receivable | ||
| Change in deferred income taxes | ||
| Change in federal income taxes receivable | ||
| Excess tax benefits from stock-based compensation | ||
| Increase (decrease) in accounts payable, accrued expenses and other liabilities | ||
| Decrease in accrued interest payable | ||
| (Decrease) increase in net deferred loan fees | ||
| Stock-based compensation | ||
| Net cash (used in) provided by operating activities | ||
| INVESTING ACTIVITIES: | ||
| Net decrease in loans receivable- held for investment | ||
| Purchase of mortgage-backed securities - available for sale | ||
| Purchase of investment securities - available for sale | ||
| Proceeds from sales, calls, and maturities of mortgage-backed securities | ||
| Proceeds from sales, calls and maturities of investment securities-available for sale | ||
| Redemption of Federal Home Loan Bank Stock | ||
| Purchase of premises and equipment | ||
| Development of real estate acquired in settlement of loans | ||
| Proceeds from sale of real estate acquired in settlement of loans | ||
| Net cash provided by (used in) investing activities | ||
| FINANCING ACTIVITIES: | ||
| Net (decrease) increase in demand deposits, NOW accounts and savings accounts | ||
| Proceeds from issuance of certificates of deposit | ||
| Payments for maturing certificates of deposit | ||
| Net increase (decrease) in advance payments by borrowers for taxes and insurance | ||
| (Decrease) increase in FHLB Advances | ||
| Proceeds from exercise of stock options | ||
| Excess tax benefits from stock-based compensation | ||
| Net cash used in financing activities | ||
| Cash dividend paid | ||
| NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS | ||
| CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD | ||
| CASH AND CASH EQUIVALENTS, END OF PERIOD | ||
| CASH PAID DURING THE PERIOD FOR: | ||
| Income taxes | ||
| Interest | ||
| Non-cash transactions: | ||
| Real estate acquired in settlement of loans |
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