Baycom corp (BCML)
CashFlow / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17
Cash flows from operating activities:
Net income

15,195

17,318

0

0

0

-

-

-

-

-

-

-

-

Net income

-

-

-

-

-

-

-

-

7,913

-

0

0

0

Adjustments to reconcile net income to net cash provided by operating activities:
Increase in deferred tax asset

1,351

1,375

175

1,153

-268

740

0

0

0

-

-

-

-

Decrease in deferred tax asset

-

-

-

-

-

-

-

-

-

-

-

-

0

Accretion on acquired loans

-5,060

-4,313

-3,250

-2,747

-2,480

-2,944

-2,814

-2,117

-3,446

-3,000

0

0

0

Gain on sale of loans

3,451

2,999

2,220

2,031

1,600

2,061

2,084

2,097

2,424

2,173

0

0

0

Proceeds from sale of loans

43,973

38,410

29,867

21,268

23,051

28,959

0

0

0

-

-

-

-

Loans originated for sale

55,549

52,462

39,800

35,307

39,508

37,773

0

0

0

-

-

-

-

Gain on sale of premises

-

187

0

0

0

-

-

-

0

-

-

-

-

Accretion on junior subordinated debentures

81

81

78

69

64

59

0

0

0

-

-

-

-

Proceeds from sale of loans

-

-

-

-

-

-

-

-

-

-

-

-

0

Loans originated for sale

-

-

-

-

-

-

-

-

-

-

-

-

0

Accretion on Trust Preferred

-

-

-

-

-

-

-

-

-

-

0

0

0

Increase in cash surrender value of life insurance policies securities

640

642

554

462

386

301

249

258

360

231

0

0

0

Provision for loan losses

3,660

2,224

1,465

2,067

1,865

1,842

1,695

672

573

462

0

0

0

Amortization/accretion of premium/discount on investment securities

-559

-507

-436

-426

-456

-441

-465

-550

-528

-369

0

0

0

Depreciation and amortization

0

-

-

-

0

-

-

-

868

762

0

0

0

Core deposit intangible amortization

0

-

-

-

0

-

-

-

-

-

-

-

-

Core deposit intangible amortization

-

-

-

-

-

-

-

0

1,056

-

0

0

0

Stock based compensation expense

1,343

1,154

1,169

1,166

1,154

1,180

923

690

478

423

0

0

0

Increase (decrease) in deferred loan origination fees, net

-155

-85

-197

-72

74

103

-47

111

-247

-158

0

0

0

Increase in interest receivable and other assets

6,943

12,041

8,018

9,457

7,831

848

-1,013

-1,366

-1,380

-990

0

0

0

Increase in salary continuation plan, net

338

320

294

265

-706

-708

0

0

0

-

-

-

-

(Decrease) increase in interest payable and other liabilities

6,573

15,407

12,460

13,281

8,915

625

0

0

0

-

-

-

-

Increase in salary continuation liability

-

-

-

-

-

-

-

-

-

-

-

-

0

(Decrease) increase in accrued expenses and other liabilities

-

-

-

-

-

-

-

-

-

-

-

-

0

Net cash used in operating activities

4,450

6,956

9,860

5,111

745

6,237

8,648

14,039

24,687

9,328

0

0

0

Cash flows from investing activities:
Proceeds from maturities of interest bearing deposits in banks

2,977

2,241

0

0

0

-

-

-

-

2,522

0

0

0

Maturity of interest bearing deposits in banks

-

-

-

-

-

-

-

-

0

-

-

-

-

Purchase of investment securities

20,877

16,858

15,358

25,719

42,854

41,353

0

0

0

-

-

-

-

Proceeds from the maturity and repayment of investment securities

31,612

29,498

49,923

43,028

38,876

37,377

12,042

10,546

9,136

7,651

0

0

0

Redemption of Federal Home Loan Bank stock

0

-

-

-

0

-

-

-

0

-

-

-

-

Purchase of Federal Reserve Bank stock

0

-

-

-

0

-

-

-

0

-

-

-

0

(Increase) decrease in loans, net

125,482

48,454

-30,955

-60,773

-14,327

-4,267

-14,581

-11,767

10,414

-295

0

0

0

Purchase of equipment and leasehold improvements

2,079

1,399

1,079

867

1,065

1,013

638

678

507

368

0

0

0

Net cash paid out for acquisition

0

-

-

-

-

-

-

-

-

-

-

-

-

Net cash (used in) provided by investing activities

-86,958

927

47,796

62,270

-897

-11,251

-10,302

-4

108,627

90,410

0

0

0

Cash flows from financing activities:
Decrease in noninterest and interest bearing deposits, net

11,642

13,435

6,841

12,330

62,572

69,144

51,283

-202,901

-4,567

7,812

0

0

0

Decrease in time deposits, net

-70,169

-38,560

-40,636

-46,384

-46,260

-51,163

-29,224

255,109

11,191

23,538

0

0

0

Repurchase of common stock

0

-

-

-

-

-

-

-

-

-

-

-

-

Repayment of junior subordinated debentures

0

-

-

-

-

-

-

-

-

-

-

-

-

Increase in other borrowings

0

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by (used in) financing activities

24,345

-36,082

-33,795

-34,054

77,073

78,742

72,353

103,050

-3,295

21,431

0

0

0

(Decrease) increase in cash and cash equivalents

0

-

-

-

0

-

-

-

-

-

-

-

-

Increase in cash and cash equivalents

-

-

-

-

-

-

-

-

130,019

-

0

0

0

Supplemental disclosure of cash flow information:
Cash paid during the year for:
Interest expense

8,997

7,454

6,076

4,862

5,405

4,939

0

0

0

-

-

-

-

Income tax, net of refunds

0

-

-

-

0

-

-

-

0

-

-

-

-

Interest paid

-

-

-

-

-

-

-

-

-

-

-

-

0

Income tax, net of refunds

-

-

-

-

-

-

-

-

-

-

0

0

0

Non-cash investing and financing activities:
Change in unrealized gain on available-for-sale securities, net of tax

1,567

1,354

2,170

1,640

563

-316

0

0

0

-

-

-

-

Transfer of loans to other real estate owned

0

-

-

-

-

-

-

-

-

-

-

-

-

Recognition of ROU assets

10,107

17,181

0

0

0

-

-

-

0

-

-

-

-

Recognition of lease liability

9,758

17,201

0

0

0

-

-

-

0

-

-

-

-

Acquisition:
Assets acquired, net of cash received

0

-

-

-

-

-

-

-

-

-

-

-

-

Liabilities assumed

0

-

-

-

-

-

-

-

-

-

-

-

-

Cash consideration

0

-

-

-

-

-

-

-

-

-

-

-

-

Goodwill

0

-

-

-

-

-

-

-

-

-

-

-

-

Change in unrealized (loss) gain in available for-sale securities, net of tax

-

-

-

-

-

-

-

-

-

-

-

-

0