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FY2013
12 months to Jun 30, 2013
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FY2012
12 months to Jun 30, 2012
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|---|---|---|
| Operating Activities: | ||
| Net income | ||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||
| Provision for loan losses | ||
| Depreciation and amortization of premises and equipment | ||
| Net amortization of securities premiums and discounts | ||
| Proceeds from sales of loans held for sale | ||
| Originated loans held for sale | ||
| Net gains on sales of loans | ||
| Net loss on disposal of fixed assets | ||
| Amortization of net deferred loan costs (fees) | ||
| Loss on other real estate owned | ||
| Bank owned life insurance income | ||
| ESOP expense | ||
| Share-based compensation expense | ||
| Amortization of mortgage servicing rights | ||
| Amortization of brokered deposit premiums | ||
| Deferred income tax benefit | ||
| Tax benefit from vesting restricted shares | ||
| Changes in other assets and liabilities, net | ||
| Total adjustments | ||
| Net cash provided by operating activities | ||
| Investing Activities: | ||
| Principal collections and maturities of securities available for sale | ||
| Principal collections and maturities of securities held to maturity | ||
| Purchases of securities available for sale | ||
| Redemption of Federal Home Loan Bank Stock, net | ||
| Decrease (increase) in interest bearing deposits with other Banks, net | ||
| Loan originations less principal collections, net | ||
| Purchases of premises and equipment | ||
| Net cash used in investing activities | ||
| Financing Activities: | ||
| Increase in deposits | ||
| Increase (decrease) in securities sold under agreements to repurchase | ||
| Proceeds from FHLB advances | ||
| Repayment of FHLB advances | ||
| Net decrease in advance payments from borrowers for taxes and insurance | ||
| Tax benefit from vesting of restricted shares | ||
| Purchase and retirement of Company stock | ||
| Net cash (used in) provided by financing activities | ||
| Decrease in cash and cash equivalents | ||
| Cash and cash equivalents at beginning of period | ||
| Cash and cash equivalents at end of period | ||
| Supplemental Disclosures: | ||
| Interest paid | ||
| Income taxes paid (refunded) | ||
| Income Taxes Paid, Net |
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