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

1,287

1,162

1,388

-1,403

1,044

655

702

420

573

335

101

-286

345

624

305

8,785

113

298

385

-248

-12

-813

55

225

278

-314

224

93

-1,715

-4,696

-3,350

-126

-648

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

149

152

154

159

158

173

177

178

175

171

165

160

154

163

173

165

164

151

150

152

155

183

224

296

243

221

226

237

240

248

263

292

308

Net amortization of premiums on securities

-52

-45

-71

-57

-70

-56

-79

-84

-75

-95

-89

-110

-117

-109

-153

-163

-151

-164

-169

-200

-192

-396

-126

-55

-39

-5

-92

-55

20

-166

22

2

48

Provision for loan losses

50

105

120

105

75

25

135

75

75

175

75

70

20

0

0

0

0

-

-

-

-

0

225

225

300

1,435

300

475

525

2,960

3,608

330

1,180

ESOP expense

49

42

43

43

43

43

46

43

44

42

41

42

38

37

37

35

63

34

31

29

29

28

24

23

20

-

-

-

-

-

-

-

-

ESOP expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

14

-

-

-

-

Impairment of Real Estate

50

-

-

-

0

-

-

-

-

32

8

5

38

-118

20

93

37

158

109

463

360

685

354

213

235

619

287

469

1,119

2,578

759

794

493

Deferred Income Tax Expense

368

-

154

2,989

326

-

301

137

258

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Income Tax Expense (Benefit)

-

-

-

-

-

-

-

-

-

-

-

-

141

-

128

-8,333

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Stock or Unit Option Plan Expense

13

-

12

19

47

-

132

147

224

-

496

800

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Life Insurance, Corporate or Bank Owned, Change in Value

-129

-

-129

-129

-129

-

-125

-130

-132

-

-652

133

131

-

135

134

138

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deferred income taxes, net of valuation allowance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-11

-

-460

87

18

Increase in cash surrender value of life insurance investment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

132

139

135

143

148

157

153

163

150

150

525

-180

1,216

-174

-175

-175

Loss (gain) on sale of loans

-2

4

14

47

110

58

25

-1

101

31

-1

67

61

5

-9

-5

-6

6

16

3

-17

10

19

238

177

237

55

-45

12

-

-

-

-

Loss (gain) on sale of loans held for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-79

-2

-93

Gain on sale of investments

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

47

0

0

0

0

-

-

-

-

49

608

1,072

-193

-

-

-

-

Gain on sale of investments

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-54

Originations of loans held for sale

1,001

1,170

2,098

3,738

1,994

3,827

1,839

3,355

6,881

2,472

-556

7,009

0

1,552

9

5

6

650

650

-3,620

4,623

2,500

3,494

9,810

7,296

7,264

4,392

12,476

-3,574

21,611

-4,088

-4,375

-1,364

Proceeds from sale of loans held for sale

98

1,076

2,112

2,680

3,655

2,433

2,327

1,642

6,460

1,582

-1,500

7,132

510

1,053

0

0

0

410

758

-3,463

4,827

2,353

2,590

11,266

6,357

7,501

5,222

5,141

2,777

2,135

1,507

8,337

3,524

Loss on sale of property, premises and equipment

0

1

15

0

-5

0

0

0

0

2

-2

-1

-3

-758

-64

1

1

0

0

3

5

-22

-34

0

0

-22

0

-56

-51

-

-

-

-

Gain on sale of real estate owned

-

-

-

-

-

0

19

28

12

1

61

4

-8

14

161

114

-6

364

14

34

-5

21

9

84

-20

275

57

181

-59

542

-52

-146

-20

Change in operating assets and liabilities:
Accrued interest receivable

1

-36

6

109

12

134

-42

71

-13

102

70

85

-144

24

-19

-101

-71

-41

-246

-66

6

-384

263

-6

178

-126

-28

-155

31

-654

78

158

70

Prepaid expenses, other assets, and income tax receivable

-283

1,117

-713

681

-257

-42

-32

686

-920

-196

170

300

-1,853

-80

77

-244

-123

-204

379

-227

-4,077

4,301

-232

90

-917

1,406

-544

-287

246

-3,212

1,143

603

-272

Federal Income Tax Expense (Benefit), Continuing Operations

-

-

-

-

-

-

-

-

-

-

-

-

-

-8,469

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Supplemental Executive Retirement Plan

8

7

7

7

8

7

5

3

3

511

-578

21

-77

110

-5

-3

-3

58

-15

-16

-15

61

-41

-40

-41

47

-40

-41

-40

-

-

-

-

Change in supplemental Executive Retirement Plan liability

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-47

10

9

Accounts payable and other liabilities

452

-488

642

-695

832

-1,000

276

913

285

-2,428

2,001

-794

950

-831

417

-606

-514

317

643

-792

312

588

-445

-2,670

2,593

456

-29

76

382

37

2,330

-3,821

227

Net cash provided by operating activities

1,730

820

2,991

-728

4,275

-1,258

2,246

-627

1,979

-1,588

1,086

-554

4,052

-338

938

395

25

683

1,278

63

5,170

-3,163

-564

-776

3,147

767

1,664

253

-457

1,656

1,419

2,109

3,251

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

-

-

-

-

-

0

0

0

852

0

0

250

0

0

0

1,633

702

0

0

995

0

-

-

-

-

797

9,118

14,928

3,235

368

0

2,844

1,191

Purchases of available-for-sale investments

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

9,375

4,647

4,526

-

-

-

-

-

-

-

-

Purchase of held-to-maturity investments

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

2,582

1,894

1,354

-

-

-

-

-

-

-

-

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

783

853

803

1,327

937

957

1,129

1,207

1,280

1,223

1,162

1,541

1,609

1,522

1,480

1,750

1,797

1,820

1,548

1,977

3,090

3,099

4,459

4,227

3,967

3,873

3,127

1,962

1,202

880

1,687

2,128

1,130

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

283

152

433

335

374

190

428

391

275

225

206

569

277

278

243

256

360

283

282

333

566

898

626

525

600

464

466

518

485

453

639

769

570

Increase (Decrease) in Finance Receivables

-22,650

-

336

15,236

7,179

-

25,013

3,394

3,700

-

15,176

26,858

1,699

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loan originations, net of undisbursed loan proceeds and principal repayments

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,675

-

-3,092

3,537

-3,658

7,438

2,327

-3,216

-685

-

-

-

-

-

-

-

-

Loan originations, net of undisbursed loan proceeds and principal repayments

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6,589

-

6,403

17,590

10,356

Proceeds from sale of real estate owned

-

-

-

-

-

0

32

184

294

188

305

31

449

220

272

5,535

762

1,695

488

3,696

967

949

1,572

747

1,677

2,459

2,572

3,869

2,790

3,015

1,941

2,162

2,490

Payments to Develop Real Estate Assets

2

0

0

823

0

-

-

-

-

-

-

-

-

-1

0

22

6

111

1

116

363

506

118

139

30

48

17

144

-46

-

-

-

-

Capitalized improvements on real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-36

-129

Proceeds from Sale of Property, Plant, and Equipment

0

1

15

0

160

0

0

0

0

-

-

-

-

-

-

0

1

0

0

3

5

-3

-34

0

0

0

0

-26

143

-

-

-

-

Payments for (Proceeds from) Productive Assets

-

-

-

-

-

-

5

25

32

-

110

197

-134

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of fixed assets

-

-

-

-

-

-

-

-

-

-

-

-

-

840

140

67

256

83

158

156

130

84

36

3

23

182

87

17

21

-

-

-

-

Payments for (Proceeds from) Federal Home Loan Bank Stock

0

-360

-641

1,012

-312

-200

369

-760

-20

660

746

700

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of property, premises and equipment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-283

-19

Net cash provided by (used in) investing activities

23,714

7,739

4,276

-15,303

-5,396

1,631

-23,798

-877

-1,011

-20,199

-14,359

-25,364

770

897

627

9,724

6,035

-2,752

-933

10,269

477

12,786

-3,161

-4,230

-374

11,853

2,591

-671

14,419

14,895

10,969

25,174

15,589

CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits

6,636

-1,198

21,767

-9,924

3,189

1,922

15,669

23,390

3,312

-2,262

426

1,651

1,267

1,587

-547

-8,574

-3,688

-4,700

-64

-10,178

-2,608

-7,387

-7,342

5,744

-8,229

-5,758

2,078

-2,134

12,138

-2,984

-178

-16,873

3,721

Net change in advance payments by borrowers for taxes and insurance

898

-1,067

945

-704

708

285

-319

-662

777

85

-84

118

-7

-581

555

-530

667

-556

549

-492

599

-623

549

-265

568

-

-

-

-

-

-

-

-

Proceeds from Federal Home Loan Bank Advances

0

15,500

24,250

57,500

15,200

36,000

20,400

13,700

20,500

49,000

31,500

22,500

0

1,010

20,000

15,050

50

-

-

-

-

-

-

-

-

-

-

-

-

0

0

143

47,400

Repayment on FHLB advances

0

24,500

41,250

32,200

23,000

41,000

12,400

32,700

21,000

32,500

13,500

5,000

0

1,010

20,050

22,500

50

0

0

0

47,400

0

0

0

0

10,000

0

22,000

-11,000

184,586

0

-12,643

-73,400

Repurchase and retirement of common stock

-

-

-

-

-

0

0

-273

273

1,857

0

220

875

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Stock award net settlement

0

-1

0

24

245

0

0

8

277

0

0

216

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by (used in) financing activities

7,534

-11,263

5,587

14,524

-4,148

-2,793

23,350

3,993

3,039

12,466

18,342

18,833

385

1,006

-42

-16,554

-3,021

-5,256

485

-10,670

-49,409

-8,010

-6,793

5,479

-7,661

-17,381

2,838

-2,906

1,946

-15,380

22,862

-30,163

-21,455

Net Change in Cash and Cash Equivalents

32,978

-2,704

12,854

-1,507

-5,269

-2,420

1,798

2,489

4,007

-9,321

5,069

-7,085

5,207

1,565

1,523

-6,435

3,039

-7,325

830

-338

-43,762

1,613

-10,518

473

-4,888

-4,761

7,093

-3,324

15,908

1,171

35,250

-2,880

-2,615

SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Originations of mortgage servicing rights

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1

3

-

4

15

23

Interest

1,093

1,096

1,056

966

960

915

835

799

773

703

683

703

700

707

703

850

859

865

863

909

1,095

1,103

1,144

1,213

1,305

1,385

1,498

1,584

1,647

1,673

1,680

2,029

2,858

Income Taxes

0

100

0

0

145

0

0

0

65

126

0

-100

100

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

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

53

0

0

-5

1,791

647

130

0

168

124

58

392

0

210

207

0

1,824

916

1,099

3,255

523

333

176

3,865

676

1,061

3,009

1,167

2,441

3,159

924

1,568

5,964

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

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

502

266

-210

203

-

-

-

-

-

-

-

-

-

-

-

-

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

-117

-

-263

-90

36

-

27

-295

15

-

270

-164

62

-

170

226

-194

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Transfer of Loans Held-for-sale to Portfolio Loans

-

-

-

-

-

1,429

0

1,036

1,071

0

0

0

0

-

-

-

-

-

-

-

-

0

0

0

1,069

-

-

-

-

-

-

-

-