Bancorp 34, inc. (BCTF)
CashFlow / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16
Cash flows from operating activities
Net income

947

710

334

24

744

1,073

300

970

928

360

5,172

4,943

5,091

5,295

0

0

0

Less: Net loss from discontinued operations

-

-1,255

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net income from continuing operations

1,857

1,966

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Adjustments to reconcile net income to net cash from operating activities:
Depreciation and amortization

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

Depreciation and amortization

-

-

-

-

-

-

-

707

690

677

649

627

618

606

0

0

0

Stock dividends on financial institution stock

99

106

108

104

94

84

75

66

59

53

47

35

25

21

0

0

0

Amortization of premiums and discounts on securities, net

-148

-122

-123

-151

-201

-250

-303

-345

-366

-413

-456

-521

-555

-554

0

0

0

Amortization of equity awards

92

99

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Amortization of ESOP awards

-

-

-

-

-

-

-

-

74

78

59

55

52

48

0

0

0

Stock-based compensation expense

-

-

-

-

-

393

368

213

118

24

0

0

0

-

-

-

-

Amortization of core deposit intangible

37

39

40

42

45

48

51

54

58

62

65

70

75

79

0

0

0

Gain on sale of loans

-

272

264

64

-3,197

129

3,506

7,064

12,839

11,450

11,228

10,912

10,963

10,687

0

0

0

Proceeds from sale of loans

-

3,714

2,230

1,130

-74,794

1,703

78,575

155,304

298,903

276,322

279,171

289,615

290,784

280,672

0

0

0

Funding of loans held for sale

-

-

-

-

-

-

-

-

280,881

254,247

247,650

258,826

265,016

267,072

0

0

0

Provision for loan losses

407

22

397

397

383

318

118

268

347

575

0

0

0

-

-

-

-

Net appreciation on bank-owned life insurance

274

277

279

281

282

282

274

232

192

154

0

0

0

-

-

-

-

Provision for loan losses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Net increase in bank-owned life insurance

274

277

279

281

282

282

274

232

192

154

0

0

0

-

-

-

-

Earnings on bank-owned life insurance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Deferred income tax expense

0

-

-

-

-

36

-1,514

-2,119

-2,230

-2,191

3,698

4,092

4,269

4,228

0

0

0

Changes in operating assets and liabilities:
Accrued interest receivable

372

86

50

112

143

36

85

130

65

48

53

67

75

91

0

0

0

Prepaid and other assets

-4

79

-708

-1,013

-689

-325

999

1,125

1,078

638

-3,947

-739

-1,657

-204

0

0

0

Accrued interest and other liabilities

-4,448

267

-614

-318

4,789

-154

1,400

1,502

1,216

1,138

421

501

391

615

0

0

0

Net cash from operating activities - continuing operations

1,252

6,361

0

0

0

-

-

-

-

-

-

-

-

-

-

0

0

Net cash from operating activities - discontinued operations

13,653

25,628

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net cash from operating activities

14,906

31,989

23,738

21,151

8,885

-7,237

4,045

5,642

9,993

15,425

0

0

0

-

-

-

-

Cash flows from investing activities
Proceeds from principal payments on available-for-sale securities

6,425

5,940

6,527

5,700

8,372

6,014

-6,107

-5,350

-5,316

-5,823

-6,323

-12,617

-9,745

-6,711

0

0

0

Purchases of available-for-sale securities

0

-

-

-

-

15,517

15,389

14,136

9,396

6,102

1,913

1,913

8,268

10,370

0

0

0

Net change in loans held for investment

25,986

12,413

23,014

14,511

29,674

26,826

24,507

25,747

13,962

28,897

48,652

67,596

68,586

55,956

0

0

0

Purchases of premises and equipment

-

-

-

0

0

-

-

590

633

684

1,068

977

970

919

0

0

0

Net cash from investing activities

-53,225

-22,666

-34,111

-18,875

-36,087

-36,681

-31,969

-33,042

-16,439

-27,625

0

0

0

-

-

-

-

Cash flows from financing activities
Net cash used for investing activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Net change in deposits

38,233

38,657

44,023

32,902

26,075

29,677

11,375

17,386

11,642

11,039

-4,171

2,732

-4,461

-1,178

0

0

0

Net change in escrows

-44

-123

-44

-103

1

81

50

74

41

-18

-92

-46

11

37

0

0

0

Proceeds from Federal Home Loan Bank advances

45,000

30,000

57,000

82,000

107,000

132,000

0

0

0

-

-

-

-

-

-

-

-

Repayments of Federal Home Loan Bank advances

45,000

57,000

87,000

112,000

102,000

110,000

0

0

0

-

-

-

-

-

-

-

-

Common stock repurchases

-

2,732

3,087

990

632

1,926

1,986

1,986

1,986

414

0

0

0

-

-

-

-

Net change in Federal Home Loan Bank advances

-

-

-

-

-

-

-

-

-

-

-

-

-

-37,000

0

0

0

Dividends paid

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash from financing activities

35,163

8,389

10,638

1,712

26,433

45,820

8,427

36,518

4,752

5,661

0

0

0

-

-

-

-

Net cash provided by financing activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Net change in cash and cash equivalents

-3,155

17,712

265

3,988

-768

1,901

-19,496

9,118

-1,693

-6,538

12,547

5,481

-1,881

-3,413

0

0

0

Supplemental disclosures:
Interest on deposits and advances paid

4,788

4,802

4,735

4,461

4,070

3,470

2,929

2,540

2,354

2,264

0

0

0

-

-

-

-

Interest on deposits and advances paid

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Income taxes paid

-

-

-

-

-

-

-

-

-

88

104

157

108

98

0

0

0

Loans transferred to loans held for sale

-

3,423

4,018

1,528

1,196

2,037

0

0

0

-

0

0

0

-

-

-

-

Operating lease right-of-use assets recorded on adoption of ASU 2016-02

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Operating lease liabilities recorded on adoption of ASU 2016- 02

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Transfers of loans to other real estate

-

-

-

-

-

-

-

-

-

-

-

-

-

195

0

0

0