| Dec'19 | Sep'19 | Jun'19 | Mar'19 | Dec'18 | Sep'18 | Jun'18 | Mar'18 | Dec'17 | Sep'17 | Jun'17 | Mar'17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
Cash flows from operating activities: | |||||||||||
Net income | |||||||||||
549 | 370 | 388 | 249 | 233 | 349 | 353 | 123 | -417 | 39 | 111 | 81 |
Adjustments to reconcile net income to net cash provided by operating activities: | |||||||||||
Provision for loan losses | |||||||||||
1 | 45 | 85 | 70 | 98 | 111 | 189 | 115 | 253 | 63 | 52 | 51 |
Depreciation | |||||||||||
81 | 84 | 97 | 84 | 88 | 87 | 84 | 83 | 94 | 117 | 127 | 122 |
Net accretion of loan portfolio discount and deposit premium | |||||||||||
33 | 21 | 25 | 34 | 57 | 41 | 16 | 30 | 149 | 58 | 105 | 93 |
Net amortization on securities available for sale | |||||||||||
-74 | -84 | -96 | -103 | -114 | -140 | -134 | -138 | -123 | -130 | -130 | -142 |
(Gain) loss on sales and impairments of foreclosed assets | |||||||||||
- | - | - | - | 0 | 0 | 12 | -29 | 0 | 12 | -12 | 12 |
Loss on sale of available for sale securities | |||||||||||
-1 | 0 | 5 | -8 | -224 | 11 | 1 | 8 | - | - | - | - |
Increase in cash surrender value of life insurance | |||||||||||
70 | 50 | 51 | 47 | 50 | 49 | 49 | 46 | 47 | 49 | 50 | 50 |
Accretion of discount on FHLB advances | |||||||||||
- | - | - | - | - | - | - | - | 7 | 6 | 7 | 7 |
ESOP compensation | |||||||||||
36 | 33 | 34 | 35 | 35 | 37 | 36 | 35 | - | - | - | - |
Stock based compensation | |||||||||||
89 | 90 | 82 | 77 | - | - | - | - | - | - | - | - |
Changes in operating assets and liabilities: | |||||||||||
Accrued interest receivable | |||||||||||
-41 | -11 | -79 | 88 | -119 | 66 | 13 | 26 | 12 | 54 | -60 | 16 |
Loans held for sale | |||||||||||
-918 | -833 | 1,951 | -679 | 479 | 200 | 0 | -109 | 37 | -59 | -137 | -324 |
Other assets | |||||||||||
340 | 373 | -35 | -99 | 39 | -15 | -57 | -9 | -827 | 364 | 94 | 3 |
Accrued interest payable | |||||||||||
-789 | 220 | 256 | 294 | -471 | 181 | 149 | 174 | -441 | 155 | 115 | 179 |
Other liabilities | |||||||||||
233 | -1,180 | 1,186 | -24 | 99 | 81 | 67 | -219 | -140 | 305 | -55 | -433 |
Net cash provided by operating activities | |||||||||||
- | - | - | - | - | - | - | - | - | - | - | 285 |
Net cash provided by operating activities | |||||||||||
791 | 147 | 298 | 1,505 | -68 | 634 | 978 | 486 | - | - | - | - |
Cash flows from investing activities: | |||||||||||
Proceeds from sales of available for sale securities | |||||||||||
- | 0 | 2,704 | 2,133 | - | 1,188 | 3,002 | 3,435 | - | - | - | - |
Maturities, calls, paydowns on available for sale securities | |||||||||||
3,300 | 1,711 | 1,169 | 1,147 | 2,595 | 2,417 | 1,420 | 1,659 | 1,886 | 2,657 | 1,744 | 1,794 |
Purchases of available for sale securities | |||||||||||
- | 2,614 | 2,738 | 3,209 | - | 0 | 0 | 7,867 | 17,068 | 1,004 | 6,707 | 250 |
Net (increase) decrease in loans | |||||||||||
-4,036 | 326 | -4,949 | -572 | 1,112 | 4,596 | 16,832 | 5,427 | -5,083 | 11,064 | 679 | -867 |
Purchases of premises and equipment | |||||||||||
70 | 14 | 10 | 2 | 34 | 37 | 19 | 19 | 77 | 0 | 89 | 191 |
Proceeds from redemption of FHLB stock | |||||||||||
-50 | 85 | 0 | 130 | - | - | - | 2 | - | - | - | 608 |
Proceeds from sale of equipment | |||||||||||
- | - | - | - | - | - | - | - | 1,905 | 225 | 23 | 0 |
Purchase of life insurance | |||||||||||
- | - | - | - | - | - | - | - | 0 | 4 | 6 | 0 |
Proceeds from sale of foreclosed assets | |||||||||||
- | - | - | - | -31 | 0 | 318 | 505 | 219 | 782 | 159 | 298 |
Net cash (used) provided by investing activities | |||||||||||
- | - | - | - | - | - | - | - | - | - | - | 3,126 |
Net cash provided by (used in) investing activities | |||||||||||
264 | -1,364 | 6,150 | 771 | 6,667 | -924 | -12,697 | -7,712 | - | - | - | - |
Cash flows from financing activities: | |||||||||||
Net increase in deposits | |||||||||||
38,566 | 1,141 | -3,393 | -2,267 | -2,968 | 19,761 | -20,724 | 4,223 | -30,173 | 28,140 | 4,412 | -4,105 |
Net (decrease) increase in escrow | |||||||||||
-1,079 | 354 | 341 | 375 | -1,124 | 367 | 386 | 390 | -1,151 | 491 | 395 | 268 |
Net increase (decrease) in FHLB open line of credit | |||||||||||
- | - | - | - | - | - | - | - | - | - | - | 1,000 |
Repayments of FHLB advances | |||||||||||
4,850 | 900 | 0 | 2,000 | - | - | - | - | -500 | 0 | 4,000 | 2,500 |
Proceeds from FHLB advances | |||||||||||
- | - | - | - | - | - | - | - | - | 0 | 5,000 | 0 |
Repurchase of common stock | |||||||||||
0 | 590 | 552 | 319 | - | - | - | - | - | - | - | - |
Net cash (used) provided in financing activities | |||||||||||
- | - | - | - | - | - | - | - | - | - | - | -5,337 |
Net cash provided by financing activities | |||||||||||
34,137 | 5 | -3,604 | -4,211 | -6,092 | 1,878 | 4,912 | 4,613 | - | - | - | - |
Net increase (decrease) in cash and cash equivalents | |||||||||||
35,192 | -1,212 | 2,844 | -1,935 | 507 | 1,588 | -6,807 | -2,613 | -20,366 | 26,400 | 794 | -1,926 |
Supplemental Cash Flow Disclosures: | |||||||||||
Cash paid for interest | |||||||||||
1,447 | 527 | 469 | 364 | 1,116 | 426 | 309 | 225 | - | - | - | - |
Cash paid for interest | |||||||||||
- | - | - | - | - | - | - | - | - | - | - | 197 |
Cash paid for income taxes | |||||||||||
- | - | - | - | 50 | 30 | 20 | 20 | - | - | - | - |
Loans transferred to foreclosed assets | |||||||||||
- | - | - | - | 17 | 0 | 0 | 221 | 372 | 186 | 104 | 456 |
Financed sales of foreclosed assets | |||||||||||
- | - | - | - | 0 | 0 | 0 | 21 | - | - | - | - |