Bcb bancorp, inc. (BCBP)
CashFlow / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'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'11
Cash flows from Operating Activities:
Net Income

2,521

5,124

5,232

5,227

5,451

5,224

4,594

2,313

4,632

1,339

3,217

2,513

2,913

2,473

1,914

1,581

2,035

1,021

2,282

1,881

1,846

1,637

1,088

2,630

2,235

2,311

2,142

2,553

2,410

1,057

-1,345

-3,362

1,588

990

1,188

1,952

1,921

Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation of premises and equipment

734

740

722

708

716

727

755

684

600

595

601

638

688

632

628

598

564

576

536

536

501

411

382

362

357

357

364

346

299

294

289

285

275

297

253

255

250

Amortization and accretion, net

579

832

664

777

765

750

1,248

677

266

445

141

525

347

365

476

449

515

47

129

133

142

132

380

133

174

-1,277

1,254

-175

-429

-2,601

292

359

497

-2,269

196

330

437

Provision for loan losses

1,500

-475

900

755

889

821

907

2,060

1,342

325

511

776

498

102

-301

37

189

360

70

1,130

720

700

650

450

1,000

500

450

600

1,200

1,500

1,600

1,200

600

2,500

800

450

350

Deferred income tax benefit

-293

2,139

-290

-299

-270

-1,791

0

47

-331

1,618

1,730

-126

710

27

1,535

-13

-62

-724

1,371

-411

-234

-

-

-

-

-847

553

-191

-347

-645

734

538

-776

-2,028

409

-105

-121

Loans originated for sale

3,868

6,885

6,505

4,320

4,240

5,295

4,090

8,483

4,747

6,380

6,114

6,781

6,476

12,513

9,259

11,727

5,582

3,480

2,334

3,939

8,011

6,537

7,455

5,946

5,512

5,278

5,046

6,404

5,505

2,581

1,023

10,992

15,541

17,575

4,232

4,041

6,102

Proceeds from sale of loans

4,008

9,355

3,399

6,104

4,364

26,536

4,461

7,862

6,417

8,315

4,706

7,748

10,197

10,489

13,378

8,529

7,841

4,195

4,153

6,993

8,408

7,337

7,758

5,209

5,203

5,152

5,650

6,005

3,309

1,201

3,607

11,060

16,856

15,287

3,150

3,625

8,822

Gain on sales of loans originated for sale

61

192

89

437

318

436

738

576

583

746

540

733

338

655

718

1,029

924

1,545

1,683

969

676

-

360

230

777

-

263

227

119

263

288

29

640

293

190

226

178

Gain on sales of other real estate owned

-

0

124

45

8

-

-

-

-

-

222

197

1,151

-

-

-

-

-

-

-

-

-

-

-

-

-

-33

102

21

-201

-381

38

-137

-241

-121

-56

-80

Fair value adjustment of other real estate owned

-

-

-

-

-

0

0

-100

-1

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

110

-

-

-

-

-

-

-

-

Unrealized (gain) loss on equity investments

-440

-

-

-

291

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Unrealized (gain) loss on equity investments

-

-

-

-

-

-

-82

-33

-127

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sales of SBA loans acquired

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-2

-

-

-

-

Gain on bulk sale of impaired loans held in portfolio

-

0

0

0

107

0

0

0

-24

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-3,462

-7,084

-258

-

-

-

-

Gain on sales of securites held to maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

18

136

224

125

510

-158

-128

-

-

-

-

Stock-based compensation expense

279

299

291

207

190

21

66

79

85

73

48

48

30

41

33

33

18

18

15

16

17

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Stock compensation expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

37

0

17

4

16

-1,110

1,114

-

-

-

-

Increase in interest receivable

618

-641

-356

-435

1,372

-105

1,072

899

-101

345

142

-48

141

344

-528

-224

386

437

232

200

272

182

186

-16

-55

108

-165

-61

212

-77

-100

-744

-13

-402

-431

-200

384

Increase in other assets

186

-490

-1,004

542

769

-3,912

-1,510

4,319

-172

-1,029

284

1,971

-2,347

-1,310

3,300

-2,062

1,115

928

-217

4,129

-2,583

-2,058

4,386

2,362

606

-1,748

-312

-1,867

-2,072

-

-

-

-

-3,057

759

-18

-2,911

Decrease in accrued interest payable

-516

478

-619

552

-264

638

869

186

77

175

-159

-10

-40

70

-297

-60

59

-3

58

116

68

37

22

15

-27

365

-332

-36

-18

-

-

-

-

64

-4

-30

-4

Increase in other liabilities

2,304

-1,661

797

-3,370

3,404

-3,567

-1,191

1,083

1,484

1,668

-2,619

3,335

-405

-802

-223

-1,650

2,425

-2,752

1,549

-261

-272

-224

236

101

-839

1,008

-802

761

-435

-1,389

-2,088

1,132

423

-615

-1,950

2,235

-607

Net Cash Provided by Operating Activities

-

-

-

-

-

-

-

-

-

-

-

-

-

351

4,129

-1,786

4,547

-3,422

5,873

702

4,536

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net Cash Provided by Operating Activities

5,665

9,282

4,172

4,203

6,610

26,499

4,891

-497

9,135

-

495

4,763

8,485

-

-

-

-

-

-

-

-

-

-

-1,740

915

-

3,291

5,272

2,745

1,996

1,265

4,501

4,678

2,746

-587

4,701

7,375

Cash flows from Investing Activities:
Proceeds from sales of securities held to maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,264

6,327

-

-

-

-

-

-

-

-

Proceeds from calls on securities available for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

634

159

-

421

459

229

-

-

-

-

-

-

-

-

-

6,495

9,182

10,836

-

-

-

-

Proceeds from repayments, calls, and maturities on securities held to maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

1,555

4,307

4,410

-

-

11,905

17,107

-

-

-

-

-

-

-

-

Proceeds from repayments and calls on securities held to maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

15,891

14,279

19,414

-

20,351

17,356

17,475

Proceeds from repayments, calls, and maturities on securities available for sale

7,413

8,831

5,363

4,714

3,614

2,999

6,886

6,070

7,330

5,660

5,708

11,663

5,052

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchases of securities held to maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

1,968

1,066

1,469

2,231

0

1,359

1,600

7,807

7,266

40,658

2,573

2,412

11,931

78,621

Purchases of securities available for sale

7,502

-

-

-

-

17

17

1,691

14,645

28,776

20,809

10,441

15,048

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sale of SBA loans acquired

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-5,454

16,290

-

-

-

-

Proceeds from sales of other real estate owned

-

0

1,359

916

142

-

-

-

-

954

1,438

1,284

2,091

-

-

-

-

225

0

0

1,300

-

-

-

-

-

-

2,236

806

-

-

-

-

-

-

-

-

Proceeds from bulk sale of impaired loans held

-

0

0

0

402

0

0

0

250

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net decrease (increase) in loans receivable

-13,594

-

-

-

29,451

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net increase in loans receivable

-

-

-

-

-

-

-

173,722

123,078

24,394

42,179

49,761

43,717

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from bulk sale of impaired loans held in portfolio

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

4,858

7,324

2,911

-

-

-

-

Proceeds from sales of property held for investment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

130

5,078

-2,243

-939

794

213

443

Proceeds from sales of participation interest in loans

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,583

901

1,439

1,071

1,366

Purchases of loans

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

17,629

2,657

2,107

227

28,158

639

2,208

59

13

1,432

12

835

Purchase of interest-bearing time deposits

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-258

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net increase in loans receivable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

7,907

-3,628

9,558

-

7,265

94,805

86,942

55,567

64,485

36,115

41,254

15,154

42,286

11,246

7,948

48,522

30,160

12,000

423

9,238

-13,559

1,837

-7,841

Improvements to other real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-8

-100

0

-5

Additions to premises and equipment

106

345

1,555

506

107

738

92

610

127

104

181

62

1,561

2,774

755

2,054

494

403

532

684

1,962

1,026

436

167

119

92

378

1,094

87

-

-

-

-

170

146

414

1,516

Purchase of Federal Home Loan Bank of New York stock

765

-

-

-

-

-1,350

-1,989

4,695

675

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(Purchase) sale of Federal Home Loan Bank of New York stock

-

-

-

-

-

-

-

-

-

2,115

-1,817

922

-315

315

-2,025

-145

450

0

0

981

900

1,912

-2,366

904

540

4,107

-3,297

97

-765

765

0

66

-631

-

-

-

-

Net Cash Used in Investing Activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-103,183

-41,643

-4,870

-10,085

-24,926

-8,795

-96,011

-88,275

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net Cash Provided (Used In) Investing Activities

12,634

85,754

61,999

12,751

-25,400

-69,838

-96,228

-169,193

-130,945

-

-33,041

-48,239

-52,868

-

-

-

-

-

-

-

-

-

-

-32,991

-38,569

-

-36,658

2,861

15,384

-55,936

-11,416

6,401

8,282

25,503

32,053

6,929

-53,852

Cash flows from Financing Activities:
Net increase in deposits

13,658

98,606

55,235

19,589

7,909

64,100

131,748

115,087

121,983

23,222

49,888

-17,584

121,639

11,820

-13,920

43,885

76,491

40,650

54,933

92,447

57,343

29,186

-10,171

17,536

23,335

703

15,974

8,197

3,010

-7,330

-16,714

-16,690

3,897

6,678

-18,033

-1,258

-7,417

Proceeds from Federal Home Loan Bank of New York Advances

27,000

-

-

-

-

0

800

115,000

60,000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repayments of Federal Home Loan Bank of New York Advances

10,000

-

-

-

-

30,000

45,000

15,000

45,000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from long-term debt

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

10,000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repayments of long-term debt

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

15,407

-

-

-

-

Proceeds from long-term debt

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

20,000

47,000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net change in short term debt

-

-

-

-

-

-

-

-

-

-

-

-

-20,000

-

-

-

-

0

-2,000

-1,000

-23,000

19,000

-38,500

15,500

12,000

18,000

0

0

-17,000

-

-

-

-

-

-

-

-

(Purchase) of treasury stock

-

-

-

-

-

-

-

-

-

0

-8,995

9,000

8

-

-

-

-

0

0

0

-9

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchases of treasury stock

1,287

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

6

6

-

-

1,010

247

-

-

-

-

-

-

-

-

Purchases of treasury stock

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,969

5,536

1,857

-

596

1,364

54

Cash dividends paid on common stock

2,336

2,198

2,190

2,190

2,136

2,127

2,124

2,126

2,025

2,025

1,507

1,507

1,505

1,507

1,501

1,506

1,502

1,115

1,116

1,115

1,115

1,119

1,123

1,169

1,001

1,000

1,005

1,008

1,017

1,022

1,044

1,109

1,135

1,184

1,111

1,126

1,128

Cash dividends paid on preferred stock

342

344

343

342

317

262

263

262

166

165

166

165

118

234

234

234

234

260

254

201

202

201

202

204

193

-

-

-

-

-

-

-

-

-

-

-

-

Net (costs) proceeds from issuance of common stock

-24

12,626

96

83

6,308

146

104

102

115

70

42,907

95

242

91

102

89

54

25,622

56

184

116

31

131

173

132

-

-

-

-

-

-

-

-

-

-

-

-

Net proceeds from issuance of preferred stock

-

0

0

0

5,310

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-1

771

-

-

-

-

-

-

-

-

-

-

-

-

Net payment on redemption of preferred stock

140

-

-

-

-

-

-

-

-

0

0

0

11,720

-

0

0

1,710

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net proceeds from issuance of preferred stock

-

-

-

-

-

-

-

-

-

-

0

4,260

5,237

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Exercise of stock options

5

-

-

-

-

36

0

0

2

-

-

-

-

-

-

-

-

-

-

-

-

-

1

2

1

-

-

0

12

-

-

-

-

-

-

-

-

Net Cash Provided by Financing Activities

-

-

-

-

-

-

-

-

-

-

-

-

-

30,163

-60,553

32,234

83,099

65,205

52,809

112,665

80,151

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Exercise of stock options

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

30

-

-

-

-

Exercise of stock options

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

172

Net Cash Provided by Financing Activities

26,534

78,706

82,798

17,140

17,074

31,893

117,602

212,801

134,909

-

55,117

4,101

93,767

-

-

-

-

-

-

-

-

-

-

31,831

35,039

-

14,340

6,049

-15,242

16,739

-20,682

-23,310

-14,472

1,962

-19,716

-3,713

-8,427

Net Increase (Decrease) in Cash and Cash Equivalents

44,833

173,742

148,969

34,094

-1,716

-11,446

26,265

43,111

13,099

-

22,571

-39,375

49,384

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net Increase (Decrease) In Cash and Cash Equivalents

-

-

-

-

-

-

-

-

-

-

-

-

-

-72,669

-98,067

25,578

77,561

36,857

49,887

17,356

-3,588

6,998

796

-2,900

-2,615

-2,345

-19,027

14,182

2,887

-37,201

-30,833

-12,408

-1,512

30,211

11,750

7,917

-54,904

Supplementary Cash Flow Information:
Cash paid during the year for: Income taxes

279

1,600

2,150

6,124

218

2,457

773

5,790

143

4

1,325

2,889

71

0

3,590

1,275

452

212

258

2,312

-398

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash paid during the year for: Interest

11,157

10,411

11,228

9,325

9,840

8,677

7,023

5,520

4,425

3,824

3,993

4,015

3,890

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Acquisition of IA Bancorp
Interest Paid, Net

11,157

10,411

11,228

9,325

9,840

8,677

7,023

5,520

4,425

3,824

3,993

4,015

3,890

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash paid during the year for: Income taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,006

4,369

2,375

0

830

26

1

0

2,050

1,429

500

-

-

-

-

Cash paid during the year for: Interest

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

4,074

-

3,615

3,224

2,861

2,619

2,534

2,525

2,583

-

-

2,668

2,678

-

-

-

-

-

-

-

-

Cash paid during the year for: Interest

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,872

3,086

3,239

-

3,339

3,398

3,386

Non-cash items:
Transfer of loans to other real estate owned

-

1,623

0

360

547

728

135

-44

881

-

-

-

-

480

2,289

1

457

-

-

-

-

281

1,023

550

518

0

0

1,270

1,740

-

-

-

-

-

-

-

-

Transfer of loans to other real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,255

1,118

-

1,483

1,866

450

Reclassification of loans originated for sale to held to maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

460

753

-43

286

2,589

-

-

-

-

-

-

-

-

Loans to facilitate sale of other real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

839

103

Reclassification of loans originated for sale to held to maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

479

-

145

233

1,291