American river bankshares (AMRB)
CashFlow / Yearly
Dec'19Dec'18Dec'17Dec'16Dec'15Dec'14Dec'13Dec'12Dec'11Dec'10Dec'09
Cash flows from operating activities:
Net income

5,500

4,900

3,198

6,404

5,268

4,361

3,057

3,207

2,504

476

1,586

Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan and lease losses

660

175

450

-1,344

0

-541

200

1,365

3,625

7,365

8,530

Decrease in deferred loan origination fees and costs, net

384

239

20

-1

66

26

-83

72

125

-173

29

Depreciation and amortization

226

265

333

420

430

438

518

784

-

-

-

Gain on sale and call of investment securities

115

31

161

314

251

208

36

93

-

-

-

Depreciation and amortization

-

-

-

-

-

-

-

-

739

785

832

Amortization of investment security premiums and discounts, net

-1,455

-2,404

-3,246

-2,940

-3,160

-4,647

-5,774

-4,333

-2,484

2,689

399

Provision for accounts receivable servicing receivable allowance for losses

-

-

-

-

-

-

-

-

-

-4

171

Gain on sale and call of investment securities

-

-

-

-

-

-

-

-

353

7

270

Increase in cash surrender values of life insurance policies

334

307

317

322

316

284

247

266

273

-277

-246

Gain on life insurance death benefit

-

-

-

-

-

99

118

0

-

-

-

Deferred income tax expense (benefit)

-752

333

1,247

-283

473

-74

244

454

-438

-327

-957

Stock based compensation expense

338

227

273

331

271

166

131

155

202

236

210

Tax benefit from exercise of stock options

-

-

-

-

-

-

-

-

-

-

-12

Loss (gain) on sale or write-down of other real estate owned

-111

-4

8

-118

-70

66

-116

-1,571

-1,319

908

1,106

Fair value adjustment to acquired other real estate owned

-

-

-

239

0

0

-

-

-

-

-

(Increase)decrease in accrued interest receivable and other assets

523

125

537

-1,734

723

-298

-1,821

-128

-265

-

-6,705

Decrease in accrued interest receivable and other assets

-

-

-

-

-

-

-

-

-

4,031

-

Decrease in accrued interest payable and other liabilities

1,688

76

-173

419

461

371

-96

5

-1,140

1,456

-

Decrease in accrued interest payable and other liabilities

-

-

-

-

-

-

-

-

-

-

1,228

Net cash provided by operating activities

7,870

7,682

7,531

9,865

8,777

8,983

11,447

11,571

-

17,158

5,901

Cash flows from investing activities:
Net cash provided by operating activities

-

-

-

-

-

-

-

-

8,809

-

-

Proceeds from the sale of available-for-sale investment securities

63,325

27,003

31,289

12,655

23,764

23,804

8,851

15,567

9,706

9,032

9,995

Proceeds from called available-for-sale investment securities

-

-

-

-

-

-

-

-

-

-

1,080

Purchases of available-for-sale investment securities

-

-

-

-

-

-

-

-

93,208

90,443

61,448

Proceeds from called available-for-sale investment securities

0

2,139

145

1,550

0

1,160

590

195

28,445

670

13,517

Proceeds from called available-for-sale investment securities

-

-

-

-

-

-

-

-

1,365

-

1,080

Proceeds from matured available-for-sale investment securities

5,225

0

1,930

1,100

175

105

905

825

430

3,365

2,954

Purchases of available-for-sale investment securities

75,732

110,615

89,273

-47,292

-62,958

-83,049

-119,972

-96,475

2,156

-

12,163

Proceeds from principal repayments for available-for-sale investment securities

46,705

44,321

43,150

46,570

49,242

41,014

57,664

53,727

-

-

-

Proceeds from principal repayments for held-to-maturity investment securities

44

86

105

140

239

324

934

1,898

-

-

-

Purchases of bank owned life insurance

-

-

-

-

-

-1,350

0

-1,300

-

-

-

Proceeds from principal repayments for available-for-sale mortgage-backed securities

-

-

-

-

-

-

-

-

-

19,204

-

Proceeds from principal repayments for held-to-maturity mortgage-backed securities

-

-

-

-

-

-

-

-

-

6,310

-

Net (increase) decrease in interest-bearing deposits in banks

-

0

-747

-249

250

0

-250

500

998

-2,248

4,248

Net decrease (increase) in loans

54,598

290

-14,944

33,064

30,979

5,932

1,741

-31,066

-

-

-

Proceeds from sale of loans

0

1,349

0

0

-

-

-

-

-

-

-

Purchases of loans

20,964

10,799

0

0

-

-

-

-

-

-

-

Net proceeds from sale of other real estate owned

0

0

395

1,747

1,153

2,283

7,516

3,637

-

-

-

Net (increase) decrease in loans and leases

-

-

-

-

-

-

-

-

-32,784

-26,307

-23,238

Net decrease in accounts receivable servicing receivables

-

-

-

-

-

-

-

-

-

-

-1,029

Net proceeds from sale of other real estate owned

-

-

-

-

-

-

-

-

1,705

3,195

2,808

Death benefit from life insurance policy

-

-

-

-

-

252

419

0

0

-

-

Capitalized additions to other real estate

-

-

-

-

127

54

186

0

-

-

-

Purchases of equipment

346

178

129

375

319

456

130

134

849

475

548

Capitalized additions to other real estate owned

-

-

-

-

-

-

-

-

-

-

-26

Net increase in FHLB stock

327

0

153

0

93

438

-6

161

-393

-436

-

Net cash used in investing activities

-36,638

-46,984

1,656

-17,218

-19,653

-22,337

-45,394

9,345

-

-24,647

9,010

Cash flows from financing activities:
Net cash (used in) provided by investing activities

-

-

-

-

-

-

-

-

-16,075

-

-

Net increase (decrease) in demand, interest-bearing and savings deposits

28,431

26,198

14,552

15,728

23,114

31,545

10,185

16,713

9,678

18,554

-

Net decrease in time deposits

-14,268

8,396

-3,278

-1,612

-3,117

-4,542

-4,751

-742

-12,515

-23,187

-

Cash paid to repurchase common stock

0

4,773

8,641

7,414

7,843

4,148

7,000

4,194

-

-

-

Proceeds from stock option exercise

95

189

351

13

0

0

-

-

-

-

-

Increase in long-term borrowings

0

-1,500

0

4,500

0

-500

-8,000

2,000

4,000

-7,000

-

Increase in short-term borrowings

4,000

1,500

0

-

-

-

-

-

-

-

-

Cash dividends paid

1,413

1,118

1,293

0

0

-

-

-

-

-

-

Decrease in short-term borrowings

-

-

-

-

-

-4,500

6,000

-3,000

-2,000

-7,500

-

Net cash provided by financing activities

16,845

28,822

1,691

11,215

12,154

17,855

-3,566

10,777

-

-19,133

-

Net cash (used in) provided by financing activities

-

-

-

-

-

-

-

-

-837

-

-

Increase (decrease) in cash and cash equivalents

-11,923

-10,480

10,878

3,862

1,278

4,501

-37,513

31,693

-8,103

-26,622

-

Supplemental disclosure of cash flow information:
Right of use asset and obligation recorded upon adoption of ASU 2016-02

3,570

0

0

-

-

-

-

-

-

-

-

Addition to right of use asset and obligation recorded upon renewal of existing lease

234

0

0

-

-

-

-

-

-

-

-

Cash paid during the year for:
Cash paid during the year for interest expense

2,519

1,598

1,058

908

961

-

-

-

-

-

-

Interest expense

-

-

-

-

-

1,234

1,527

1,958

2,650

3,526

-

Income taxes

1,888

1,095

2,375

2,790

2,495

2,415

1,575

1,395

1,250

190

-

Non-cash investing activities:
Real estate acquired through foreclosure or deed in lieu of foreclosure

517

0

0

1,109

0

189

1,829

9,388

9,489

4,274

-

Loans resulting from sale of other real estate owned

-

-

-

1,686

0

0

-

-

-

-

-