|
FY2012
12 months to Dec 31, 2012
|
FY2011
12 months to Dec 31, 2011
|
|
|---|---|---|
| CASH FLOWS FROM OPERATING ACTIVITIES | ||
| Net income (loss) | ||
| Adjustments to reconcile net income (loss) to net cash provided by operating activities: | ||
| Amortization of securities premiums and discounts, net | ||
| Gain on sale or call of securities, net | ||
| Accretion of net deferred loan fees | ||
| Provision for loan losses | ||
| Origination of loans held for sale | ||
| Proceeds from sales of loans held for sale | ||
| Gain on sale of loans held for sale | ||
| Depreciation and amortization | ||
| Loss on disposal of premises and equipment | ||
| Provision for losses on foreclosed real estate and other property owned | ||
| Loss (gain) on sale of foreclosed real estate and other property owned, net | ||
| Increase in cash surrender value of bank owned life insurance | ||
| Decrease (increase) in deferred income taxes, net | ||
| Deferred income tax provision (benefit) | ||
| Equity-based compensation expense | ||
| Issuance of common stock under directors' compensation plan | ||
| Change in assets and liabilities: | ||
| Accrued interest receivable | ||
| Decrease (increase) in other assets | ||
| Accrued interest payable | ||
| Other liabilities | ||
| Net cash provided by operating activities | ||
| CASH FLOWS FROM INVESTING ACTIVITIES | ||
| Purchase of time deposits held for investment | ||
| Securities available for sale: | ||
| Purchases | ||
| Proceeds from maturities, calls and principal payments | ||
| Proceeds from sales | ||
| Proceeds from redemption of FHLB stock | ||
| Net (increase) decrease in loans | ||
| Purchases of premises and equipment | ||
| Proceeds from sale of premises and equipment | ||
| Proceeds from sale of foreclosed real estate | ||
| Net cash (used) provided by investing activities | ||
| CASH FLOWS FROM FINANCING ACTIVITIES | ||
| Net increase (decrease) increase in deposits | ||
| Net decrease in securities sold under agreements to repurchase | ||
| Proceeds from borrowed funds | ||
| Repayment of borrowed funds | ||
| Net cash provided (used) by financing activities | ||
| NET CHANGE IN CASH AND CASH EQUIVALENTS | ||
| Cash and cash equivalents, beginning of year | ||
| Cash and cash equivalents, end of year | ||
| SUPPLEMENTAL DISCLOSURES: | ||
| Cash paid during the year for: | ||
| Interest | ||
| Income taxes | ||
| Noncash investing and financing activities: | ||
| Net change in unrealized gain on securities available for sale | ||
| Acquisition of real estate in settlement of loans | ||
| Foreclosed real estate financed in-house | ||
| Preferred stock dividend accrued but not paid |
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