| Jun'19 | Jun'18 | Jun'17 | Jun'16 | Jun'15 | Jun'14 | Jun'13 | Jun'12 | Jun'11 | Jun'10 |
|---|---|---|---|---|---|---|---|---|---|
NET INCOME | |||||||||
- | - | - | 14,848 | - | - | - | - | - | - |
Cash Flows From Operating Activities: | |||||||||
Net Income | |||||||||
28,904 | 20,929 | 15,552 | - | 13,668 | 10,081 | 10,067 | 10,098 | 11,470 | 4,625 |
Items not requiring (providing) cash: | |||||||||
Depreciation | |||||||||
3,402 | 3,119 | 2,982 | 2,513 | 1,988 | 1,511 | 1,151 | 937 | 733 | 709 |
(Gain) loss on disposal of fixed assets | |||||||||
- | - | - | 74 | - | - | - | - | - | - |
Loss on sale of foreclosed assets | |||||||||
- | - | - | - | - | - | 69 | -23 | 71 | - |
Stock option and stock grant expense | |||||||||
- | - | - | 385 | - | - | - | - | - | - |
Gain (Loss) on Disposal of Fixed Assets | |||||||||
-29 | 206 | -332 | - | - | - | - | - | - | 280 |
Loss on disposal of fixed assets | |||||||||
- | - | - | - | - | - | 101 | - | - | - |
Stock Option and Stock Grant Expense | |||||||||
-374 | -230 | -510 | - | 344 | 228 | 199 | 25 | 64 | 22 |
Loss on sale/write-down of REO | |||||||||
267 | -45 | 324 | 20 | 55 | 31 | - | - | - | - |
Amortization of intangible assets | |||||||||
1,672 | 1,457 | 911 | 1,025 | 1,253 | 674 | 417 | 417 | 354 | 289 |
Amortization of purchase accounting adjustments | |||||||||
- | - | - | -1,803 | - | - | - | - | - | - |
Amortizataion of Purchase Accounting Adjustments | |||||||||
2,886 | 1,694 | 1,116 | - | -2,527 | -6 | - | - | - | - |
Increase in cash surrender value of bank owned life insurance (BOLI) | |||||||||
1,329 | 947 | 1,135 | -928 | -569 | -540 | -510 | -343 | -277 | -273 |
Gain (Loss on Sale of Foreclosed Assets | |||||||||
- | - | - | - | - | - | - | - | - | 84 |
Provision for loan losses | |||||||||
2,032 | 3,047 | 2,340 | 2,494 | 3,185 | - | - | - | 2,384 | 924 |
Net Realized Gains on Sale of Available for Sale Securities | |||||||||
244 | 334 | 0 | - | - | - | - | - | - | - |
Provision for loan losses and off-balance sheet credit exposures | |||||||||
- | - | - | - | - | 1,646 | 1,716 | 1,784 | - | - |
Gains realized on sale of AFS securities | |||||||||
- | - | - | -5 | -6 | -116 | - | - | - | - |
Net amortization of premiums and discounts on securities | |||||||||
-846 | -994 | -1,034 | 827 | 897 | 1,047 | 608 | - | - | - |
Originations of loans held for sale | |||||||||
- | - | - | -22,898 | - | - | - | - | - | - |
Net amortization (accretion) of premiums and discounts on securities | |||||||||
- | - | - | - | - | - | - | 389 | - | - |
Originations of loans held for sale | |||||||||
30,768 | 29,749 | 33,059 | - | -16,557 | -15,475 | -7,669 | -8,345 | -6,687 | - |
Proceeds from sales of loans held for sale | |||||||||
30,633 | 29,410 | 33,656 | 22,116 | 17,264 | 15,723 | 7,405 | 7,974 | 6,543 | - |
Gain on sales of loans held for sale | |||||||||
- | - | - | 641 | - | - | - | - | - | - |
Gain on Sales of Loans Held for Sale | |||||||||
-771 | -804 | -840 | - | -656 | -503 | -303 | - | - | - |
Gain on sales of loans held for sale | |||||||||
- | - | - | - | - | - | - | -315 | -173 | - |
Changes in | |||||||||
Accrued interest receivable | |||||||||
459 | 797 | 314 | -344 | -133 | 250 | -275 | 105 | 100 | -261 |
Prepaid expenses and other assets | |||||||||
- | - | - | 379 | - | - | - | - | - | - |
Accounts payable and other liabilities | |||||||||
- | - | - | -812 | - | - | - | - | - | - |
Prepaid expenses and other assets | |||||||||
-56 | -7,852 | -2,717 | - | 1,453 | 459 | 1,383 | 1,098 | 662 | -1,090 |
Accounts payable and other liabilities | |||||||||
5,973 | -309 | 622 | - | 659 | -601 | 762 | -4,835 | 4,248 | -26 |
Amortization of premiums and discounts on securities | |||||||||
- | - | - | - | - | - | - | - | 258 | 200 |
Bargain purchase gain on acquisition | |||||||||
- | - | - | - | - | - | - | - | -6,996 | - |
Deferred income taxes | |||||||||
-75 | 1,774 | -964 | 475 | -530 | -608 | 230 | -1,409 | 1,507 | -541 |
Accrued interest payable | |||||||||
795 | 265 | 138 | -57 | 130 | -459 | -97 | -208 | -107 | -192 |
Net cash provided by operating activities | |||||||||
38,601 | 30,644 | 25,618 | 17,668 | 19,918 | 13,342 | 15,254 | 7,351 | 14,157 | 4,753 |
Cash flows from investing activities: | |||||||||
Net increase in loans | |||||||||
139,056 | 99,510 | 112,372 | -82,544 | -64,354 | -104,088 | 68,738 | -28,632 | -26,488 | -37,503 |
Net change in interest-bearing deposits | |||||||||
983 | 249 | 723 | 1,221 | 9,661 | - | 293 | -481 | - | -1,089 |
Proceeds from maturities of available for sale securities | |||||||||
29,971 | 24,981 | 22,544 | 23,878 | 19,923 | 13,041 | 33,199 | 39,251 | 26,595 | 16,631 |
Proceeds from sales of available for sale securities | |||||||||
40,985 | 18,198 | 0 | 6,251 | 14,021 | 38,050 | - | - | - | - |
Proceeds from maturities of interest-bearing time deposits | |||||||||
- | - | - | - | - | - | - | - | 297 | - |
Net (purchases) redemptions of Federal Home Loan Bank stock | |||||||||
- | - | - | -1,882 | 1,370 | -2,254 | -12 | 351 | 1,020 | 1,970 |
Net purchases of Federal Home Loan Bank stock | |||||||||
-1,489 | 1,756 | -2,462 | - | - | - | - | - | - | - |
Net purchases of Federal Reserve Bank of St. Louis stock | |||||||||
785 | 1,209 | 14 | - | - | - | - | - | - | - |
Net purchases of Federal Reserve Bank of Saint Louis stock | |||||||||
- | - | - | - | - | - | 3 | -282 | -135 | - |
Net purchases of Federal Reserve Bank of St. Louis stock | |||||||||
- | - | - | -3 | - | - | - | - | - | -583 |
Purchases of available-for-sale securities | |||||||||
31,207 | 44,051 | 31,490 | -29,295 | -2,551 | -16,780 | 40,087 | -51,186 | -23,303 | -21,270 |
Purchases of premises and equipment | |||||||||
7,696 | 2,138 | 3,034 | -9,818 | -7,476 | -5,681 | 7,557 | -4,227 | -1,139 | -1,131 |
Net Cash Paid for Acquisitions | |||||||||
8,377 | 1,501 | 1,736 | - | - | - | - | - | - | - |
Purchases of BOLI | |||||||||
- | - | - | -10,000 | - | - | - | - | - | - |
Cash (paid for) received in acquisitions | |||||||||
- | - | - | 0 | - | - | - | - | - | - |
Net cash (paid for) received in acquisitions | |||||||||
- | - | - | - | 3,221 | - | - | - | - | - |
Net cash received in (paid for) acquisitions | |||||||||
- | - | - | - | - | -5,585 | - | - | 38,249 | 9,713 |
Purchases of bank owned life insurance | |||||||||
- | - | - | - | - | - | - | -7,500 | - | - |
Investments in state & federal tax credits | |||||||||
-2,192 | -5,086 | -1,897 | -352 | - | -3,588 | -2,744 | -686 | -2,138 | -1,250 |
Proceeds from sale of fixed assets | |||||||||
- | - | - | 14 | - | - | - | - | - | - |
Proceeds from sale of fixed assets | |||||||||
32 | 1,970 | 15 | - | 14 | 849 | 136 | - | - | 2,006 |
Proceeds from sale of foreclosed assets | |||||||||
2,317 | 1,374 | 835 | 1,663 | 790 | 944 | 2,178 | 783 | 724 | - |
Proceeds from BOLI claim | |||||||||
544 | 0 | 848 | 549 | - | - | - | - | - | - |
Proceeds from sale of foreclosed and repossessed property | |||||||||
- | - | - | - | - | - | - | - | - | 1,296 |
Proceeds from sale of foreclosed assets | |||||||||
2,317 | 1,374 | 835 | 1,663 | 790 | - | - | - | - | - |
Net cash used in investing activities | |||||||||
-112,992 | -108,479 | -123,116 | -100,318 | -26,297 | -85,511 | -83,311 | -52,608 | 13,681 | -31,209 |
Cash flows from financing activities: | |||||||||
Net increase in certificates of deposits | |||||||||
- | - | - | - | - | 91 | -40,927 | - | - | - |
Net (decrease) increase in certificates of deposits | |||||||||
102,551 | -26,392 | 52,939 | -3,315 | -2,741 | - | - | -33,333 | -32,714 | - |
Net increase in transaction and savings accounts | |||||||||
- | - | - | - | - | - | - | - | - | 74,540 |
Net (decrease) increase in certificates of deposits | |||||||||
- | - | - | - | - | - | - | - | - | 7,332 |
Net (decrease) increase in securities sold under agreements to repurchase | |||||||||
1,109 | -6,945 | -16,873 | -247 | 1,771 | -3,327 | 2,146 | 412 | -5,138 | 6,621 |
Proceeds from Federal Home Loan Bank advances | |||||||||
591,500 | 1,518,930 | 1,350,565 | 396,100 | 335,560 | 311,335 | 92,285 | - | - | 30,950 |
Repayments of Federal Home Loan Bank advances | |||||||||
642,030 | 1,491,130 | 1,416,815 | -350,350 | -371,960 | -252,935 | 92,285 | -9,000 | -27,206 | -66,200 |
Net increase in demand deposits and savings accounts | |||||||||
40,664 | 82,567 | 115,340 | 68,952 | 50,677 | 20,943 | 6,638 | 57,996 | 39,133 | - |
Proceeds from issuance of long term debt | |||||||||
0 | 0 | -15,000 | 0 | - | - | - | - | - | - |
Repayments of long term debt | |||||||||
4,400 | 0 | 15,650 | 0 | - | - | - | - | - | - |
Common Stock Issued | |||||||||
0 | 0 | -24,144 | - | - | - | - | - | - | - |
Redemption of common stock warrants | |||||||||
- | - | - | - | -2,700 | - | - | - | - | - |
Preferred stock issued | |||||||||
- | - | - | - | - | - | - | 19,973 | - | - |
Common stock issued | |||||||||
- | - | - | 0 | - | - | - | 19,914 | - | - |
Exercise of stock options | |||||||||
0 | 172 | 61 | 99 | 332 | 524 | 101 | 22 | 82 | - |
Purchase of Treasury Stock | |||||||||
-1,166 | 0 | 0 | - | - | - | - | - | - | - |
Dividends paid on preferred stock | |||||||||
- | - | - | -135 | -200 | -200 | -412 | -368 | -477 | -477 |
Dividends paid on common stock | |||||||||
-4,763 | -3,827 | -2,981 | -2,675 | -2,517 | -2,119 | -1,975 | -1,283 | -1,004 | -1,002 |
Net cash provided by financing activities | |||||||||
83,465 | 73,375 | 105,730 | 88,429 | 8,222 | 74,312 | 47,425 | 44,782 | -27,325 | 51,764 |
Increase in cash and cash equivalents | |||||||||
9,074 | -4,460 | 8,232 | 5,779 | 1,843 | 2,143 | -20,632 | -474 | 512 | 25,308 |
Supplemental disclosures of cash flow information: | |||||||||
Noncash investing and financing activities: | |||||||||
Debt Conversion, Original Debt, Amount | |||||||||
- | - | - | - | 1,317 | 418 | 3,691 | 1,149 | 896 | 1,925 |
Conversion of Loans to Foreclosed Real Estate | |||||||||
2,134 | 1,905 | 890 | 537 | - | - | - | - | - | - |
Conversion of foreclosed real estate to loans | |||||||||
51 | 112 | 128 | 185 | 58 | 338 | 68 | 651 | 157 | - |
Conversion of loans to foreclosed real estate loans | |||||||||
- | - | - | - | - | - | - | - | - | 196 |
Conversion of Loans to Repossessed Assets | |||||||||
66 | 54 | 130 | 194 | 128 | 79 | 265 | 148 | 396 | 255 |
Fair value of assets acquired | |||||||||
216,772 | 90,992 | 193,297 | - | - | - | - | - | - | - |
Common Stock Issued Expense | |||||||||
10,757 | 12,955 | 10,965 | - | - | - | - | - | - | - |
Common Stock Issued Expense | |||||||||
10,757 | 12,955 | 10,965 | - | - | - | - | - | - | - |
Cash Paid for Capital Stock | |||||||||
11,271 | 3,860 | 11,109 | - | - | - | - | - | - | - |
Liabilities assumed | |||||||||
194,744 | 74,177 | 171,223 | - | - | - | - | - | - | - |
Cash paid during the period for | |||||||||
Interest (net of interest credited) | |||||||||
4,325 | 3,021 | 3,132 | 3,020 | - | - | - | - | - | - |
Interest (net of interest credited) | |||||||||
- | - | - | - | 2,634 | 2,998 | 2,505 | 2,862 | 3,079 | 4,142 |
Income taxes | |||||||||
2,856 | 1,589 | 3,132 | 4,695 | 4,429 | 3,513 | 2,736 | 6,946 | 1,947 | - |
Income taxes | |||||||||
- | - | - | - | - | - | - | - | - | 1,598 |