| Dec'12 | Sep'12 | Jun'12 | Mar'12 | Dec'11 | Sep'11 | Jun'11 | Mar'11 | Dec'10 | Sep'10 |
|---|---|---|---|---|---|---|---|---|---|
Net income | |||||||||
696 | 494 | 344 | 457 | 712 | 476 | 796 | -643 | 746 | 271 |
Depreciation | |||||||||
122 | 131 | 142 | 148 | 135 | 144 | 145 | 140 | 135 | 131 |
Provision for loan losses | |||||||||
225 | 250 | 1,750 | 333 | 681 | 898 | 755 | 2,204 | 462 | 719 |
Deferred loan origination costs | |||||||||
38 | 36 | 61 | 62 | 67 | 22 | 269 | -93 | 25 | 15 |
Amortization of premium on investments | |||||||||
-767 | -681 | -755 | -618 | -621 | -530 | -364 | -574 | -531 | 22 |
Proceeds from sale of loans | |||||||||
7,814 | 6,378 | 4,821 | 3,845 | 1,580 | 5,422 | 2,117 | 5,796 | 1,165 | 12,670 |
Loans disbursed for sale in the secondary market | |||||||||
6,838 | 6,539 | 5,031 | 3,429 | 1,060 | 5,840 | 1,872 | 4,313 | 1,925 | 12,951 |
Gain on sale of loans | |||||||||
284 | 248 | 183 | 109 | 130 | 83 | 59 | 18 | 215 | 227 |
Amortization of intangible asset | |||||||||
40 | 40 | 39 | 40 | 40 | 39 | 44 | 111 | 113 | 104 |
Amortization of acquisition-related loan yield adjustment | |||||||||
58 | 61 | 182 | 0 | 0 | 0 | - | - | - | - |
Amortization of acquisition-related CD yield adjustment | |||||||||
4 | 4 | 5 | 6 | 6 | 9 | - | - | - | - |
Amortization of acquisition-related CD yield adjustment | |||||||||
- | - | - | - | - | - | - | - | - | 0 |
Gain on sale of investment securities | |||||||||
263 | 0 | 807 | 94 | 327 | 236 | 452 | 88 | 0 | 44 |
Gain on sale of other real estate owned | |||||||||
40 | 7 | -9 | -2 | 2 | 0 | 15 | 0 | -27 | 2 |
Increase in cash surrender value of life insurance | |||||||||
82 | 135 | -1,905 | 2,095 | 64 | 67 | 68 | 67 | 70 | 69 |
ESOP shares committed to be released | |||||||||
40 | 42 | 53 | 43 | 42 | 42 | -25 | -18 | -23 | -21 |
Stock-based compensation expense | |||||||||
0 | 0 | 0 | 0 | 24 | 24 | 24 | 24 | 55 | 54 |
Deferred income taxes | |||||||||
63 | 110 | -302 | 12 | 307 | -156 | 168 | 1,687 | -9 | -135 |
Accrued interest receivable | |||||||||
-118 | 169 | -50 | -74 | 11 | -137 | 44 | -209 | 164 | -317 |
Prepaid expenses and other assets | |||||||||
252 | -326 | 51 | -217 | 597 | -578 | 381 | 1,553 | 150 | -476 |
Accrued interest | |||||||||
-10 | -2 | -1 | 3 | -5 | -3 | -3 | -32 | -66 | 26 |
Accrued expenses and other | |||||||||
-20 | -102 | -254 | 82 | -184 | -76 | 204 | 38 | -145 | -81 |
Net cash provided by operating activities | |||||||||
2,101 | 1,149 | 814 | 2,303 | 1,689 | 1,798 | 1,212 | 4,197 | 266 | 1,218 |
Proceeds from maturity of available for sale investment securities | |||||||||
0 | 0 | 5,000 | 1,500 | 1,500 | 6,000 | 4,000 | 20,500 | 1,302 | 4,000 |
Proceeds from sale of available for sale investment securities | |||||||||
0 | 0 | 7,535 | 1,109 | 9,210 | 11,362 | 7,708 | 5,960 | 0 | 4,044 |
Proceeds from maturity of held to maturity securities | |||||||||
0 | 22 | 0 | 50 | 0 | 21 | 0 | 47 | 0 | 20 |
Proceeds from repayment of mortgage-backed securities available for sale | |||||||||
7,626 | 6,506 | 7,475 | 6,042 | 6,550 | 5,187 | 5,425 | 4,418 | 4,780 | 3,949 |
Proceeds from sale of mortgage-backed securities available for sale | |||||||||
23,817 | 0 | 25,266 | 0 | 16,819 | 14,193 | 13,249 | 19,661 | 0 | 0 |
Proceeds from sale of other real estate owned | |||||||||
1,533 | 41 | 71 | 399 | 10 | 0 | 268 | 93 | 178 | 2 |
Purchases of available for sale investment securities | |||||||||
3,310 | 3,934 | 3,884 | 6,277 | 3,149 | 860 | 17,415 | 3,259 | 9,248 | 5,895 |
Purchases of mortgage-backed securities available for sale | |||||||||
41,718 | 17,274 | 38,258 | 25,975 | 27,769 | 42,151 | 8,791 | 33,795 | 20,340 | 5,139 |
Purchases of Federal Home Loan Bank stock | |||||||||
0 | 0 | 0 | 0 | 0 | 4,081 | 499 | 0 | 0 | 0 |
Net decrease (increase) in loans | |||||||||
-3,543 | -10,325 | 242 | -939 | 3,319 | -1,483 | -2,732 | -4,452 | -6,137 | -3,948 |
Proceeds from (purchase of) bank owned life insurance | |||||||||
0 | 182 | - | - | -124 | -1,999 | - | - | - | - |
Capital expenditures | |||||||||
59 | 12 | 60 | 15 | 104 | 56 | 26 | 71 | 94 | 243 |
Net cash used in investing activities | |||||||||
-8,568 | -4,144 | 3,322 | -22,331 | -376 | -10,901 | 6,358 | 17,939 | -17,347 | 4,617 |
Net increase (decrease) in deposits | |||||||||
-7,938 | 6,096 | -6,674 | 26,209 | -7,895 | 2,262 | -3,807 | -12,885 | -7,299 | 6,999 |
Repayments of Federal Home Loan Bank advances | |||||||||
250 | 250 | -750 | 1,250 | 250 | 250 | 250 | 250 | 250 | 250 |
Dividends paid to stockholders | |||||||||
-50 | 862 | 350 | 350 | 292 | 372 | 372 | 284 | 350 | 351 |
Net increase in advances from borrowers for payment of insurance and taxes | |||||||||
180 | -203 | 158 | -181 | 110 | -182 | 164 | -159 | 123 | -190 |
Net cash provided by (used in) financing activities | |||||||||
14,571 | 5,187 | -7,432 | 35,759 | -8,547 | 1,822 | -4,593 | -13,297 | -8,022 | 6,588 |
Net increase (decrease) in cash and cash equivalents | |||||||||
8,104 | 2,192 | -3,296 | 15,731 | -7,234 | -7,281 | 2,977 | 8,839 | -25,103 | 12,423 |