BCB Bancorp, Inc. BCBP Cash Flow

Bcb bancorp, inc. (BCBP)

CashFlow / TTM

Mar'20	Dec'19	Sep'19	Jun'19	Mar'19	Dec'18	Sep'18	Jun'18	Mar'18	Dec'17	Sep'17	Jun'17	Mar'17	Dec'16	Sep'16	Jun'16	Mar'16	Dec'15	Sep'15	Jun'15	Mar'15	Dec'14	Sep'14	Jun'14	Mar'14	Dec'13	Sep'13	Jun'13	Mar'13	Dec'12	Sep'12	Jun'12	Mar'12	Dec'11	Sep'11	Jun'11	Mar'11
Cash flows from Operating Activities:
Net Income
18,104	21,034	21,134	20,496	17,582	16,763	12,878	11,501	11,701	9,982	11,116	9,813	8,881	8,003	6,551	6,919	7,219	7,030	7,646	6,452	7,201	7,590	8,264	9,318	9,241	9,416	8,162	4,675	-1,240	-2,062	-2,129	404	5,718	6,051	0	0	0
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation of premises and equipment
2,904	2,886	2,873	2,906	2,882	2,766	2,634	2,480	2,434	2,522	2,559	2,586	2,546	2,422	2,366	2,274	2,212	2,149	1,984	1,830	1,656	1,512	1,458	1,440	1,424	1,366	1,303	1,228	1,167	1,143	1,146	1,110	1,080	1,055	0	0	0
Amortization and accretion, net
2,852	3,038	2,956	3,540	3,440	2,941	2,636	1,529	1,377	1,458	1,378	1,713	1,637	1,805	1,487	1,140	824	451	536	787	787	819	-590	284	-24	-627	-1,951	-2,913	-2,379	-1,453	-1,121	-1,217	-1,246	-1,306	0	0	0
Provision for loan losses
2,680	2,069	3,365	3,372	4,677	5,130	4,634	4,238	2,954	2,110	1,887	1,075	336	27	285	656	1,749	2,280	2,620	3,200	2,520	2,800	2,600	2,400	2,550	2,750	3,750	4,900	5,500	4,900	5,900	5,100	4,350	4,100	0	0	0
Deferred income tax benefit
1,257	1,280	-2,650	-2,360	-2,014	-2,075	1,334	3,064	2,891	3,932	2,341	2,146	2,259	1,487	736	572	174	2	0	0	0	-	-	-	-	-832	-630	-449	280	-149	-1,532	-1,857	-2,500	-1,845	0	0	0
Loans originated for sale
21,578	21,950	20,360	17,945	22,108	22,615	23,700	25,724	24,022	25,751	31,884	35,029	39,975	39,081	30,048	23,123	15,335	17,764	20,821	25,942	27,949	25,450	24,191	21,782	22,240	22,233	19,536	15,513	20,101	30,137	45,131	48,340	41,389	31,950	0	0	0
Proceeds from sale of loans
22,866	23,222	40,403	41,465	43,223	45,276	27,055	27,300	27,186	30,966	33,140	41,812	42,593	40,237	33,943	24,718	23,182	23,749	26,891	30,496	28,712	25,507	23,322	21,214	22,010	20,116	16,165	14,122	19,177	32,724	46,810	46,353	38,918	30,884	0	0	0
Gain on sales of loans originated for sale
779	1,036	1,280	1,929	2,068	2,333	2,643	2,445	2,602	2,357	2,266	2,444	2,740	3,326	4,216	5,181	5,121	4,873	0	0	0	-	0	0	0	-	872	897	699	1,220	1,250	1,152	1,349	887	0	0	0
Gain on sales of other real estate owned
-	177	0	0	0	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-111	-459	-523	-681	-721	-461	-555	-498	0	0	0
Fair value adjustment of other real estate owned
-	-	-	-	-	-101	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-
Unrealized (gain) loss on equity investments
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Unrealized (gain) loss on equity investments
-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gain on sales of SBA loans acquired
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-
Gain on bulk sale of impaired loans held in portfolio
-	107	107	107	107	-24	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-10,804	0	0	0	-	-	-	-
Gain on sales of securites held to maturity
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	378	503	995	701	349	0	0	0	-	-	-	-
Stock-based compensation expense
1,076	987	709	484	356	251	303	285	254	199	167	152	137	125	102	84	67	66	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Stock compensation expense
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	58	37	-1,073	24	0	0	0	-	-	-	-
Increase in interest receivable
-814	-60	476	1,904	3,238	1,765	2,215	1,285	338	580	579	-91	-267	-22	71	831	1,255	1,141	886	840	624	297	223	-128	-173	94	-91	-26	-709	-934	-1,259	-1,590	-1,046	-649	0	0	0
Increase in other assets
-766	-183	-3,605	-4,111	-334	-1,275	1,608	3,402	1,054	-1,121	-1,402	1,614	-2,419	1,043	3,281	-236	5,955	2,257	-729	3,874	2,107	5,296	5,606	908	-3,321	-5,999	0	0	0	-	-	-	-	-5,227	0	0	0
Decrease in accrued interest payable
-105	147	307	1,795	1,429	1,770	1,307	279	83	-34	-139	-277	-327	-228	-301	54	230	239	279	243	142	47	375	21	-30	-21	0	0	0	-	-	-	-	26	0	0	0
Increase in other liabilities
-1,930	-830	-2,736	-4,724	-271	-2,191	3,044	1,616	3,868	1,979	-491	1,905	-3,080	-250	-2,200	-428	961	-1,736	792	-521	-159	-726	506	-532	128	532	-1,865	-3,151	-2,780	-1,922	-1,148	-1,010	93	-937	0	0	0
Net Cash Provided by Operating Activities
-	-	-	-	-	-	-	-	-	-	-	-	-	7,241	3,468	5,212	7,700	7,689	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Cash Provided by Operating Activities
23,322	24,267	41,484	42,203	37,503	40,028	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	0	0	-	13,304	11,278	10,507	12,440	13,190	11,338	11,538	14,235	0	0	0
Cash flows from Investing Activities:
Proceeds from sales of securities held to maturity
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-
Proceeds from calls on securities available for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-
Proceeds from repayments, calls, and maturities on securities held to maturity
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10,272	0	0	0	-	-	0	0	-	-	-	-	-	-	-	-
Proceeds from repayments and calls on securities held to maturity
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0
Proceeds from repayments, calls, and maturities on securities available for sale
26,321	22,522	16,690	18,213	19,569	23,285	25,946	24,768	30,361	28,083	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of securities held to maturity
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3,034	4,503	6,734	4,766	5,059	5,190	10,766	18,032	57,331	58,304	52,909	57,574	95,537	0	0	0
Purchases of securities available for sale
0	-	-	-	-	16,370	45,129	65,921	74,671	75,074	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sale of SBA loans acquired
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10,836	0	0	0	-	-	-	-
Proceeds from sales of other real estate owned
-	2,417	0	0	0	-	-	-	-	5,767	0	0	0	-	-	-	-	1,525	0	0	0	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-
Proceeds from bulk sale of impaired loans held
-	402	402	402	402	250	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net decrease (increase) in loans receivable
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in loans receivable
-	-	-	-	-	-	-	363,373	239,412	160,051	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from bulk sale of impaired loans held in portfolio
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	15,093	0	0	0	-	-	-	-
Proceeds from sales of property held for investment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2,026	2,690	-2,175	511	0	0	0
Proceeds from sales of participation interest in loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4,994	4,777	0	0	0
Purchases of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	22,620	33,149	31,131	31,232	31,064	2,919	3,712	1,516	2,292	0	0	0
Purchase of interest-bearing time deposits
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in loans receivable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	136,427	-	244,579	301,799	243,109	197,421	157,008	134,809	109,940	76,634	110,002	97,876	98,630	91,105	51,821	8,102	-2,061	-10,325	0	0	0
Improvements to other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-113	0	0	0
Additions to premises and equipment
2,512	2,513	2,906	1,443	1,547	1,567	933	1,022	474	1,908	4,578	5,152	7,144	6,077	3,706	3,483	2,113	3,581	4,204	4,108	3,591	1,748	814	756	1,683	1,651	0	0	0	-	-	-	-	2,246	0	0	0
Purchase of Federal Home Loan Bank of New York stock
0	-	-	-	-	2,031	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
(Purchase) sale of Federal Home Loan Bank of New York stock
-	-	-	-	-	-	-	-	-	905	-895	-1,103	-2,170	-1,405	-1,720	305	1,431	1,881	3,793	1,427	1,350	990	3,185	2,254	1,447	142	-3,200	97	66	200	0	0	0	-	-	-	-
Net Cash Used in Investing Activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-159,781	-81,524	-48,676	-139,817	-218,007	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Cash Provided (Used In) Investing Activities
173,138	135,104	-20,488	-178,715	-360,659	-466,204	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	0	0	-	-74,349	-49,107	-45,567	-52,669	28,770	72,239	72,767	10,633	0	0	0
Cash flows from Financing Activities:
Net increase in deposits
187,088	181,339	146,833	223,346	318,844	432,918	392,040	310,180	177,509	177,165	165,763	101,955	163,424	118,276	147,106	215,959	264,521	245,373	233,909	168,805	93,894	59,886	31,403	57,548	48,209	27,884	19,851	-12,837	-37,724	-36,837	-22,829	-24,148	-8,716	-20,030	0	0	0
Proceeds from Federal Home Loan Bank of New York Advances
0	-	-	-	-	175,800	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repayments of Federal Home Loan Bank of New York Advances
0	-	-	-	-	135,000	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from long-term debt
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repayments of long-term debt
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	15,407	0	0	0	-	-	-	-
Proceeds from long-term debt
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net change in short term debt
-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-26,000	-7,000	-43,500	-27,000	8,000	7,000	45,500	30,000	1,000	0	0	0	-	-	-	-	-	-	-	-
(Purchase) of treasury stock
-	-	-	-	-	-	-	-	-	13	0	0	0	-	-	-	-	-9	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of treasury stock
0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	0	0	-	-	-	-	-	-	-	-
Purchases of treasury stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0
Cash dividends paid on common stock
8,914	8,714	8,643	8,577	8,513	8,402	8,300	7,683	7,064	6,544	6,026	6,020	6,019	6,016	5,624	5,239	4,848	4,461	4,465	4,472	4,526	4,412	4,293	4,175	4,014	4,030	4,052	4,091	4,192	4,310	4,472	4,539	4,556	4,549	0	0	0
Cash dividends paid on preferred stock
1,371	1,346	1,264	1,184	1,104	953	856	759	662	614	683	751	820	936	962	982	949	917	858	806	809	800	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net (costs) proceeds from issuance of common stock
12,781	19,113	6,633	6,641	6,660	467	391	43,194	43,187	43,314	43,335	530	524	336	25,867	25,821	25,916	25,978	387	462	451	467	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net proceeds from issuance of preferred stock
-	5,310	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net payment on redemption of preferred stock
0	-	-	-	-	-	-	-	-	11,720	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net proceeds from issuance of preferred stock
-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Exercise of stock options
0	-	-	-	-	38	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	0	0	-	-	-	-	-	-	-	-
Net Cash Provided by Financing Activities
-	-	-	-	-	-	-	-	-	-	-	-	-	84,943	119,985	233,347	313,778	310,830	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Exercise of stock options
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-
Exercise of stock options
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Net Cash Provided by Financing Activities
205,178	195,718	148,905	183,709	379,370	497,205	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	0	0	-	21,886	-13,136	-42,495	-41,725	-56,502	-55,536	-35,939	-29,894	0	0	0
Net Increase (Decrease) in Cash and Cash Equivalents
401,638	355,089	169,901	47,197	56,214	71,029	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Increase (Decrease) In Cash and Cash Equivalents
-	-	-	-	-	-	-	-	-	-	-	-	-	-67,597	41,929	189,883	181,661	100,512	70,653	21,562	1,306	2,279	-7,064	-26,887	-9,805	-4,303	-39,159	-50,965	-77,555	-81,954	-14,542	28,041	48,366	-5,026	0	0	0
Supplementary Cash Flow Information:
Cash paid during the year for: Income taxes
10,153	10,092	10,949	9,572	9,238	9,163	6,710	7,262	4,361	4,289	4,285	6,550	4,936	5,317	5,529	2,197	3,234	2,384	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash paid during the year for: Interest
42,121	40,804	39,070	34,865	31,060	25,645	20,792	17,762	16,257	15,722	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Acquisition of IA Bancorp
Interest Paid, Net
42,121	40,804	39,070	34,865	31,060	25,645	20,792	17,762	16,257	15,722	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash paid during the year for: Income taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7,750	7,574	3,231	857	857	2,077	3,480	3,979	0	0	0	-	-	-	-
Cash paid during the year for: Interest
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	14,843	-	12,319	11,238	10,539	10,261	0	0	0	-	-	0	0	-	-	-	-	-	-	-	-
Cash paid during the year for: Interest
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0
Non-cash items:
Transfer of loans to other real estate owned
-	2,530	1,635	1,770	1,366	1,700	0	0	0	-	-	-	-	3,227	0	0	0	-	-	-	-	2,372	2,091	1,068	1,788	3,010	0	0	0	-	-	-	-	-	-	-	-
Transfer of loans to other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	0	0	0
Reclassification of loans originated for sale to held to maturity
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	460	1,213	1,170	1,456	3,585	0	0	0	-	-	-	-	-	-	-	-
Loans to facilitate sale of other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0
Reclassification of loans originated for sale to held to maturity
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0