Anchor bancorp (ANCB)
CashFlow / TTM
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

2,434

2,191

1,684

998

2,821

2,350

2,030

1,429

723

495

784

988

10,059

9,827

9,501

9,581

548

423

-688

-1,018

-545

-255

244

413

281

-1,712

-6,094

-9,668

-9,887

-8,820

0

0

0

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

614

623

644

667

686

703

701

689

671

650

642

650

655

665

653

630

617

608

640

714

858

946

984

986

927

924

951

988

1,043

1,111

0

0

0

Net amortization of premiums on securities

-225

-243

-254

-262

-289

-294

-333

-343

-369

-411

-425

-489

-542

-576

-631

-647

-684

-725

-957

-914

-769

-616

-225

-191

-191

-132

-293

-179

-122

-94

0

0

0

Provision for loan losses

380

405

325

340

310

310

460

400

395

340

165

90

20

0

0

0

0

-

-

-

-

750

2,185

2,260

2,510

2,735

4,260

7,568

7,423

8,078

0

0

0

ESOP expense

177

171

172

175

175

176

175

170

169

163

158

154

147

172

169

163

157

123

117

110

104

95

0

0

0

-

-

-

-

-

-

-

-

ESOP expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

Impairment of Real Estate

0

-

-

-

0

-

-

-

-

83

-67

-55

33

32

308

397

767

1,090

1,617

1,862

1,612

1,487

1,421

1,354

1,610

2,494

4,453

4,925

5,250

4,624

0

0

0

Deferred Income Tax Expense

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Income Tax Expense (Benefit)

-

-

-

-

-

-

-

-

-

-

-

-

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Stock or Unit Option Plan Expense

0

-

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Life Insurance, Corporate or Bank Owned, Change in Value

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deferred income taxes, net of valuation allowance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

0

0

0

Increase in cash surrender value of life insurance investment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

549

565

583

601

621

623

616

988

645

1,711

1,387

687

692

0

0

0

Loss (gain) on sale of loans

63

175

229

240

192

183

156

130

198

158

132

124

52

-15

-14

11

19

8

12

15

250

444

671

707

424

259

0

0

0

-

-

-

-

Loss (gain) on sale of loans held for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Gain on sale of investments

-

-

-

-

-

-

-

-

-

-

-

-

-

47

47

47

47

0

0

0

0

-

-

-

-

1,536

0

0

0

-

-

-

-

Gain on sale of investments

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Originations of loans held for sale

8,007

9,000

11,657

11,398

11,015

15,902

14,547

12,152

15,806

8,925

8,005

8,570

1,566

1,572

670

1,311

-2,314

2,303

4,153

6,997

20,427

23,100

27,864

28,762

31,428

20,558

34,905

26,425

9,574

11,784

0

0

0

Proceeds from sale of loans held for sale

5,966

9,523

10,880

11,095

10,057

12,862

12,011

8,184

13,674

7,724

7,195

8,695

1,563

1,053

410

1,168

-2,295

2,532

4,475

6,307

21,036

22,566

27,714

30,346

24,221

20,641

15,275

11,560

14,756

15,503

0

0

0

Loss on sale of property, premises and equipment

16

11

10

-5

-5

0

2

0

-1

-4

-764

-826

-824

-820

-62

2

4

8

-14

-48

-51

-56

-56

-22

-78

-129

0

0

0

-

-

-

-

Gain on sale of real estate owned

-

-

-

-

-

59

60

102

78

58

71

171

281

283

633

486

406

407

64

59

109

94

348

396

493

454

721

612

285

324

0

0

0

Change in operating assets and liabilities:
Accrued interest receivable

80

91

261

213

175

150

118

230

244

113

35

-54

-240

-167

-232

-459

-424

-347

-690

-181

-121

51

309

18

-131

-278

-806

-700

-387

-348

0

0

0

Prepaid expenses, other assets, and income tax receivable

802

828

-331

350

355

-308

-462

-260

-646

-1,579

-1,463

-1,556

-2,100

-370

-494

-192

-175

-4,129

376

-235

82

3,242

347

35

-342

821

-3,797

-2,110

-1,220

-1,738

0

0

0

Federal Income Tax Expense (Benefit), Continuing Operations

-

-

-

-

-

-

-

-

-

-

-

-

-

-8,469

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Supplemental Executive Retirement Plan

29

29

29

27

23

18

522

-61

-43

-123

-524

49

25

99

47

37

24

12

15

-11

-35

-61

-75

-74

-75

-74

0

0

0

-

-

-

-

Change in supplemental Executive Retirement Plan liability

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Accounts payable and other liabilities

-89

291

-221

-587

1,021

474

-954

771

-936

-271

1,326

-258

-70

-1,534

-386

-160

-346

480

751

-337

-2,215

66

-66

350

3,096

885

466

2,825

-1,072

-1,227

0

0

0

Net cash provided by operating activities

4,813

7,358

5,280

4,535

4,636

2,340

2,010

850

923

2,996

4,246

4,098

5,047

1,020

2,041

2,381

2,049

7,194

3,348

1,506

667

-1,356

2,574

4,802

5,831

2,227

3,116

2,871

4,727

8,435

0

0

0

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

-

-

-

-

-

852

852

852

1,102

250

250

250

1,633

2,335

2,335

2,335

1,697

995

0

0

0

-

-

-

-

28,078

27,649

18,531

6,447

4,403

0

0

0

Purchases of available-for-sale investments

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

18,548

0

0

0

-

-

-

-

-

-

-

-

Purchase of held-to-maturity investments

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

5,830

0

0

0

-

-

-

-

-

-

-

-

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

3,766

3,920

4,024

4,350

4,230

4,573

4,839

4,872

5,206

5,535

5,834

6,152

6,361

6,549

6,847

6,915

7,142

8,435

9,714

12,625

14,875

15,752

16,526

15,194

12,929

10,164

7,171

5,731

5,897

5,825

0

0

0

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

1,203

1,294

1,332

1,327

1,383

1,284

1,319

1,097

1,275

1,277

1,330

1,367

1,054

1,137

1,142

1,181

1,258

1,464

2,079

2,423

2,615

2,649

2,215

2,055

2,048

1,933

1,922

2,095

2,346

2,431

0

0

0

Increase (Decrease) in Finance Receivables

0

-

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loan originations, net of undisbursed loan proceeds and principal repayments

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

4,225

9,644

2,891

5,864

0

0

0

-

-

-

-

-

-

-

-

Loan originations, net of undisbursed loan proceeds and principal repayments

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

0

0

0

Proceeds from sale of real estate owned

-

-

-

-

-

510

698

971

818

973

1,005

972

6,476

6,789

8,264

8,480

6,641

6,846

6,100

7,184

4,235

4,945

6,455

7,455

10,577

11,690

12,246

11,615

9,908

9,608

0

0

0

Payments to Develop Real Estate Assets

825

823

0

0

0

-

-

-

-

-

-

-

-

27

139

140

234

591

986

1,103

1,126

793

335

234

239

163

0

0

0

-

-

-

-

Capitalized improvements on real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Proceeds from Sale of Property, Plant, and Equipment

16

176

175

160

160

0

0

0

0

-

-

-

-

-

-

1

4

8

5

-29

-32

-37

-34

0

-26

117

0

0

0

-

-

-

-

Payments for (Proceeds from) Productive Assets

-

-

-

-

-

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of fixed assets

-

-

-

-

-

-

-

-

-

-

-

-

-

1,303

546

564

653

527

528

406

253

146

244

295

309

307

0

0

0

-

-

-

-

Payments for (Proceeds from) Federal Home Loan Bank Stock

11

-301

-141

869

-903

-611

249

626

2,086

2,106

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of property, premises and equipment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Net cash provided by (used in) investing activities

20,426

-8,684

-14,792

-42,866

-28,440

-24,055

-45,885

-36,446

-60,933

-59,152

-38,056

-23,070

12,018

17,283

13,634

12,074

12,619

7,061

22,599

20,371

5,872

5,021

4,088

9,840

13,399

28,192

31,234

39,612

65,457

66,627

0

0

0

CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits

17,281

13,834

16,954

10,856

44,170

44,293

40,109

24,866

3,127

1,082

4,931

3,958

-6,267

-11,222

-17,509

-17,026

-18,630

-17,550

-20,237

-27,515

-11,593

-17,214

-15,585

-6,165

-14,043

6,324

9,098

6,842

-7,897

-16,314

0

0

0

Net change in advance payments by borrowers for taxes and insurance

72

-118

1,234

-30

12

81

-119

116

896

112

-554

85

-563

111

136

130

168

100

33

33

260

229

0

0

0

-

-

-

-

-

-

-

-

Proceeds from Federal Home Loan Bank Advances

97,250

112,450

132,950

129,100

85,300

90,600

103,600

114,700

123,500

103,000

55,010

43,510

36,060

36,110

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

47,543

0

0

0

Repayment on FHLB advances

97,950

120,950

137,450

108,600

109,100

107,100

98,600

99,700

72,000

51,000

19,510

26,060

43,560

43,610

42,600

22,550

50

47,400

47,400

47,400

47,400

0

10,000

10,000

32,000

21,000

195,586

195,586

160,943

98,543

0

0

0

Repurchase and retirement of common stock

-

-

-

-

-

0

1,857

1,857

2,350

2,952

1,095

1,095

875

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Stock award net settlement

23

268

269

269

253

285

285

285

493

216

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by (used in) financing activities

16,382

4,700

13,170

30,933

20,402

27,589

42,848

37,840

52,680

50,026

38,566

20,182

-15,205

-18,611

-24,873

-24,346

-18,462

-64,850

-67,604

-74,882

-58,733

-16,985

-26,356

-16,725

-25,110

-15,503

-13,502

6,522

-20,735

-44,136

0

0

0

Net Change in Cash and Cash Equivalents

41,621

3,374

3,658

-7,398

-3,402

5,874

-1,027

2,244

-7,330

-6,130

4,756

1,210

1,860

-308

-9,198

-9,891

-3,794

-50,595

-41,657

-53,005

-52,194

-13,320

-19,694

-2,083

-5,880

14,916

20,848

49,005

49,449

30,926

0

0

0

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

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

0

0

0

Interest

4,211

4,078

3,897

3,676

3,509

3,322

3,110

2,958

2,862

2,789

2,793

2,813

2,960

3,119

3,277

3,437

3,496

3,732

3,970

4,251

4,555

4,765

5,047

5,401

5,772

6,114

6,402

6,584

7,029

8,240

0

0

0

Income Taxes

100

245

145

145

145

65

191

191

91

126

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

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

48

1,786

2,433

2,563

2,568

945

422

350

742

574

660

809

417

2,241

2,947

3,839

7,094

5,793

5,210

4,287

4,897

5,050

5,778

8,611

5,913

7,678

9,776

7,691

8,092

11,615

0

0

0

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

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

761

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

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

0

-

0

0

0

-

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Transfer of Loans Held-for-sale to Portfolio Loans

-

-

-

-

-

3,536

2,107

2,107

1,071

0

0

0

0

-

-

-

-

-

-

-

-

1,069

0

0

0

-

-

-

-

-

-

-

-