Anchor bancorp (ANCB)
CashFlow / Yearly
Jun'18Jun'17Jun'16Jun'15Jun'14Jun'13Jun'12Jun'11Jun'10
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income

2,191

2,350

495

9,827

423

-255

-1,712

-8,820

420

Adjustments to reconcile net income to net cash from operating activities:
Depreciation and amortization

623

703

650

665

608

946

924

1,111

1,349

Net amortization of premiums on securities

-243

-294

-411

-576

-725

-616

-132

-94

378

Provision for loan losses

405

310

340

0

0

750

2,735

8,078

2,615

ESOP expense

171

176

163

172

123

95

68

28

-

Impairment of Real Estate

0

0

83

32

1,090

1,487

2,494

4,624

3,142

Deferred income taxes benefit

-4,560

-1,018

87

-148

0

0

-

-

-

Allocated Share-based Compensation Expense

91

636

1,822

0

0

-

-

-

-

Deferred income taxes, net of valuation allowance

-

-

-

-

-

-

-

-

278

Increase in cash surrender value of life insurance investment

516

515

540

1,019

549

621

645

692

-703

Gain on death benefit of life insurance investment

-

-

-

-

0

0

-

-

-

Loss (gain) on sale of loans

175

183

158

-15

8

444

259

174

-956

Gain on sale of investments

-

-

-

47

0

70

1,536

135

-87

Originations of loans held for sale

9,000

15,902

8,925

1,572

2,303

23,100

20,558

11,784

-37,581

Proceeds from sale of loans held for sale

9,523

12,862

7,724

1,053

2,532

22,566

20,641

15,503

43,096

Loss on sale of property, premises and equipment

11

0

-4

-820

8

-56

-129

-168

115

Gain on sale of real estate owned

148

59

58

283

407

94

454

324

10

Change in operating assets and liabilities:
Accrued interest receivable

91

150

113

-167

-347

51

-278

-348

-464

Prepaid expenses, other assets, and income tax receivable

828

-308

-1,579

-370

-4,129

3,242

821

-1,738

-25

Federal Income Tax Expense (Benefit), Continuing Operations

-

-

-

-8,469

0

0

-

-

-

Supplemental Executive Retirement Plan

29

18

-123

99

12

-61

-74

-101

62

Accounts payable and other liabilities

291

474

-271

-1,534

480

66

885

-1,227

504

Net cash provided by operating activities

7,358

2,340

2,996

1,020

7,194

-1,356

2,227

8,435

12,153

CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from sales and maturities of available-for-sale securities

0

852

250

2,335

995

1,165

28,078

4,403

18,537

Purchases of available-for-sale investments

-

-

-

-

-

18,548

47,737

0

-

Purchase of held-to-maturity investments

-

-

-

-

-

5,830

1,540

0

-

Principal payments on mortgage-backed securities available-for-sale

3,920

4,573

5,535

6,549

8,435

15,752

10,164

5,825

6,399

Principal payments on mortgage-backed securities held-to-maturity

1,294

1,284

1,277

1,137

1,464

2,649

1,933

2,431

2,504

Payments for (Proceeds from) Loans and Leases

16,346

31,823

64,796

3,392

9,569

-

-

-

-

Loan originations, net of undisbursed loan proceeds and principal repayments

-

-

-

-

-

5,864

25,957

44,599

-

Loan originations, net of undisbursed loan proceeds and principal repayments

-

-

-

-

-

-

-

-

51,962

Proceeds from sale of real estate owned

2,886

510

973

6,789

6,846

4,945

11,690

9,608

8,022

Payments to Develop Real Estate Assets

823

0

0

27

591

793

163

319

-365

Proceeds from Sale of Property, Plant, and Equipment

176

0

2

2

8

-37

117

0

-

Purchase of fixed assets

92

62

287

1,303

527

146

307

-80

-

Payments for (Proceeds from) Federal Home Loan Bank Stock

-301

-611

2,106

-5,193

0

-

-

-

-

Proceeds from Sale of Federal Home Loan Bank Stock

-

-

-

-

-

0

-

-

-

Purchase of fixed assets, net of transfers

-

-

-

-

-

-

-

-

-256

Net cash provided by (used in) investing activities

-8,684

-24,055

-59,152

17,283

7,061

5,021

28,192

66,627

86,803

CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits

13,834

44,293

1,082

-11,222

-17,550

-17,214

6,324

-16,314

-115,925

Net change in advance payments by borrowers for taxes and insurance

-118

81

112

111

100

229

-827

-34

-

Proceeds from Federal Home Loan Bank Advances

112,450

90,600

103,000

36,110

0

0

-

47,543

60,900

Repayment on FHLB advances

120,950

107,100

51,000

43,610

47,400

0

21,000

98,543

-53,500

Repurchase and retirement of common stock

248

0

2,952

0

0

-

-

-

-

Stock award net settlement

268

285

216

0

0

-

-

-

-

Proceeds from stock offering, net of costs

-

-

-

-

-

-

-

23,212

-

Net cash provided by (used in) financing activities

4,700

27,589

50,026

-18,611

-64,850

-16,985

-15,503

-44,136

-108,513

Net Change in Cash and Cash Equivalents

3,374

5,874

-6,130

-308

-50,595

-13,320

14,916

30,926

-9,557

SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Portfolio loans transferred to loans held for sale

-

-

-

-

-

-

-

-

3,374

Loans securitized into mortgage-backed securities

-

-

-

-

-

-

-

-

139

Originations of mortgage servicing rights

-

-

-

-

-

-

-

-

319

Loans securitized into mortgage-backed securities

-

-

-

-

-

-

-

-

5,016

Interest

4,078

3,322

2,789

3,119

3,732

4,765

6,114

8,240

14,833

Income Taxes

245

65

126

0

0

-

-

-

665

SUPPLEMENTAL DISCLOSURE OF NONCASH INVESTING ACTIVITIES
SUPPLEMENTAL DISCLOSURE OF NONCASH INVESTING ACTIVITIES
Net loans transferred to real estate owned

1,786

945

574

2,241

5,793

5,050

7,678

11,615

22,389

Unrealized holding (loss) gain on available-for-sale securities, net of tax

-344

-222

162

96

761

-1,426

-

-

-

Transfer of Loans Held-for-sale to Portfolio Loans

1,106

3,536

0

0

-

1,069

4,682

0

-

Payments for (Proceeds from) Life Insurance Policies

-

-

-

1,545

0

0

-

-

-