|
FY2012
12 months to Dec 31, 2012
|
FY2011
12 months to Dec 31, 2011
|
|
|---|---|---|
| Operating activities | ||
| Net income (loss) | ||
| Adjustments to reconcile net loss to net cash used by operating activities: | ||
| Provision for loan losses | ||
| Increase (decrease) in deferred loan fees, net | ||
| Gains on sale of loans held for sale | ||
| Origination of loans held for sale, net | ||
| Proceeds from sale of loans held for sale | ||
| Premium amortization and discount accretion on securities, net | ||
| Securities gains, net | ||
| Depreciation and amortization expense | ||
| Stock-based compensation expense | ||
| Decrease (increase) in accrued interest receivable | ||
| Decrease in accrued interest payable | ||
| Decrease (increase) in other assets | ||
| Increase (decrease) in other liabilities | ||
| Net cash used in operating activities | ||
| Investing activities | ||
| Net increase in loans | ||
| Purchases of securities available for sale | ||
| Proceeds from paydowns of securities available for sale | ||
| Proceeds from sales of securities available for sale | ||
| Redemption (purchase) of Federal Reserve Bank stock | ||
| Redemption (purchase) of Federal Home Loan Bank stock | ||
| Purchases of premises and equipment | ||
| Net cash used in investing activities | ||
| Financing activities | ||
| Net increase (decrease) in demand deposits, interest-bearing transaction accounts and savings accounts | ||
| Net increase in certificates of deposit | ||
| Net cash provided by financing activities | ||
| Net increase (decrease) in cash and cash equivalents | ||
| Cash and cash equivalents, beginning of period | ||
| Cash and cash equivalents, end of period | ||
| Supplemental disclosures of cash flow information | ||
| Cash paid for: | ||
| Interest on deposits and borrowings | ||
| Unrealized gains (losses) on securities available for sale (net of tax expense of $310,783 for 2011 and tax benefit of $160,485 for 2010) |
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