United Financial Bancorp, Inc. 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

	FY2018 12 months to Dec 31, 2018	FY2017 12 months to Dec 31, 2017	FY2016 12 months to Dec 31, 2016	FY2015 12 months to Dec 31, 2015	FY2014 12 months to Dec 31, 2014
Cash flows from operating activities:
Net income
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provision for loan losses
Amortization of premiums and discounts on investments, net
Amortization of intangible assets and purchase accounting marks, net
Amortization of subordinated debt issuance costs
Share-based compensation expense
ESOP expense
Loss on extinguishment of debt
Tax effects of share-based awards
Goodwill impairment
Gains on sales of securities, net
Net unrealized loss on marketable equity securities
Loans originated for sale
Principal balance of loans sold
Increase in mortgage servicing asset
Gain on sales of other real estate owned
Net gain from sale of loans
Net change in mortgage banking fair value adjustment
Loss on disposal of equipment
Write-downs of other real estate owned
Depreciation and amortization of premises and equipment
Net loss on limited partnership investments
Gain on lease terminations
Deferred income tax (benefit) expense
Increase in cash surrender value of bank-owned life insurance
Income recognized from death benefit on bank-owned life insurance
Net change in:
Deferred loan fees and premiums
Accrued interest receivable
Other assets
Accrued expenses and other liabilities
Net cash provided by (used in) operating activities
Cash flows from investing activities:
Proceeds from sales of available for sale securities
Proceeds from calls and maturities of available for sale securities
Principal payments on available for sale securities
Principal payments on held to maturity securities
Purchases of available for sale securities
Purchases of held to maturity securities
Cash acquired from Legacy United
Redemption of FHLBB and other restricted stock
Purchase of FHLBB stock
Proceeds from sale of other real estate owned
Proceeds from portfolio loan sales
Purchases of loans
Cash paid for acquisition net of cash acquired
Loan originations, net of principal repayments
Purchase of bank-owned life insurance
Proceeds from bank-owned life insurance death benefit
Surrender of bank-owned life insurance
Receivable of bank-owned life insurance
Proceeds from sales of equipment
Purchases of premises and equipment
Net cash used in investing activities

Cash flows from financing activities:
Net increase in non-interest-bearing deposits
Net increase in interest-bearing deposits
Repayments of long-term FHLBB advances
Net decrease in mortgagors’ and investors’ escrow accounts
Net change in short-term FHLBB advances
Proceeds from long-term FHLBB advances
Repayments of long-term FHLBB borrowings and penalty
Prepayments of FHLBB Advances
Repayments of called FHLBB advances
Proceeds from issuance of subordinated debt, net of issuance costs
Net decrease in other borrowings
Proceeds from exercise of stock options
Common stock repurchased
Cancellation of shares for tax withholding
Tax effects of share-based awards
Cash dividends paid on common stock
ESOP Forfeiture
Reissuance of treasury shares
Net cash provided by financing activities

Net increase (decrease) in cash and cash equivalents
Cash and cash equivalents - beginning of year
Cash and cash equivalents - end of year
Supplemental disclosures of cash flow information:
Cash paid during the year for:
Interest
Income taxes, net
Transfer of loans to other real estate owned
(Decrease) increase in due to broker, investment purchases
Decrease in due to broker, common stock buyback
Acquisition of non-cash assets and liabilities:
Fair value of assets acquired
Fair value of liabilities assumed

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