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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2017
Dec. 31, 2016
Dec. 31, 2015
Cash flows from operating activities:      
Net income $ 12,369 $ 5,013 $ 4,269
Adjustments to reconcile net income to net cash:      
Depreciation and amortization 978 785 696
Net amortization on securities 321 355 492
Amortization of subordinated debt issuance costs 46    
Gain on sale of securities   (40)  
Provision for loan losses 7,059 8,060 2,015
Net change in deferred loan fees (90) (15) (1,006)
Deferred income tax benefit 790 (913) (455)
Stock-based compensation expense 412 2,328 447
Net change in:      
Accrued interest receivable (1,686) (434) (628)
Accounts payable, accrued expenses and other liabilities 10,777 (1,215) 1,542
Change in debit card holder balances 2,018 6,635 (2,919)
Change in Accrued interest payable 522 (93) (6)
Accounts receivable, net (1,181) (4,550) 245
Receivable from prepaid card programs, net (2,013) (187) 3,703
Prepaid expenses and other assets 1,151 (1,171) (2,952)
Net cash provided by operating activities 31,473 14,558 5,443
Cash flows from investing activities:      
Loan originations and payments, net (377,118) (240,420) (184,597)
Proceeds from sales of loans 7,871    
Redemptions of other investments 7,203    
Purchases of other investments (8,292) (182) (5,368)
Purchase of securities available for sale (1,470) (1,546)  
Proceeds from sales and calls of securities available for sale   2,771  
Proceeds from paydowns and maturities of securities available for sale 6,359 8,378 9,491
Purchase of securities held to maturity   (2,684) (5,151)
Proceeds from paydowns of securities held to maturity 1,034 1,198 283
Purchase of premises and equipment, net (2,211) (1,180) (1,732)
Net cash used in investing activities (366,624) (233,665) (187,074)
Cash flows from financing activities:      
Proceeds from issuance of common stock, net 114,773 28,368 12,606
Proceeds from issuance of preferred stock, net   5,503  
Purchase and retirement of treasury preferred stock   (1,400)  
Proceeds from exercise of stock options 135    
Redemption of common stock for exercise of stock options and tax withholdings for resticted stock vesting (255)    
Redemption of preferred stock, net   (2,672)  
Payment of preferred stock dividend   (3,420)  
Proceeds from issuance of subordinated debt, net of issuance cost 24,443    
Proceeds from FHLB advances 326,864 120,000 97,426
Repayments of FHLB advances (363,084) (137,729) (65,202)
Net increase in deposits 410,575 227,741 156,793
Net cash provided by financing activities 513,451 236,391 201,623
Increase in cash and cash equivalents 178,300 17,284 19,992
Cash and cash equivalents at the beginning of the year 82,931 65,647 45,655
Cash and cash equivalents at the end of the year 261,231 82,931 65,647
Cash paid during the year for:      
Interest 8,149 6,182 5,025
Taxes 8,787 5,270 $ 3,265
Non-cash investing and financing activities:      
Transfer of loans held for investment to held for sale $ 7,871 $ 26,095