BankFinancial CORP BFIN Cash Flow

Bankfinancial corp (BFIN)

CashFlow / Quarterly

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
2,418	3,390	3,924	807	3,551	7,416	3,737	4,630	3,559	991	3,560	2,572	1,881	2,259	2,508	831	1,904	2,116	2,349	2,224	1,986	34,678	3,590	1,404	942	1,505	1,039	76	678	-25,022	-5,222	798	2,337	-47,049	-1,896	1,026	-777
Adjustments to reconcile to net income to net cash from operating activities
Provision for (recovery of) loan losses
471	89	-134	3,957	-87	403	-23	23	-258	-72	-225	49	161	-539	-525	1,315	-490	-1,038	-956	-488	-724	-756	-1,413	957	476	-1,178	-437	206	722	24,328	4,453	1,745	996	9,740	7,384	3,175	2,424
Prepayment of ESOP Share Acquisition Loan
-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Prepayment of ESOP Share Acquisition Loan
-	-	-	-	-	-	-	-	-	-	0	0	1,125	520	348	295	288	326	339	253	318	399	219	301	241	249	234	218	195	82	277	206	162	-	-	-	-
ESOP shares earned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	222
Stock-based compensation expense
-	-	-	-	-	-	-	-	-	-	-	-	-	107	107	391	377	306	299	35	17	18	18	17	17	24	24	38	0	0	0	20	21	10	11	14	18
Depreciation
403	-912	870	1,264	391	-978	784	813	916	943	956	932	958	962	943	933	939	928	919	909	926	947	932	960	972	1,168	1,064	1,110	1,111	1,129	1,134	1,129	1,154	1,190	1,153	1,129	1,087
Amortization of right of use asset
-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of premiums and discounts on securities and loans
-1	-4	-1	-2	-1	-2	-5	-1	-3	51	-19	26	65	176	27	40	37	98	63	103	48	113	68	147	110	130	192	200	214	4,687	-552	-2,576	943	-757	924	1,293	-170
Amortization of intangibles
14	-	13	14	20	-	20	21	122	-	123	122	129	-	129	129	136	-	136	136	142	143	143	143	149	150	149	150	156	157	156	157	163	-	-	-	-
Amortization of Intangible Assets
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	470	471	381
Amortization of servicing assets
15	22	20	26	17	15	28	24	27	23	27	28	31	16	28	37	31	33	50	32	25	31	32	44	36	16	43	76	33	85	55	98	82	57	315	-51	-54
Net change in net deferred loan origination costs
-64	-30	-36	-84	-7	-144	37	-54	-36	-54	-160	-54	-129	6	-1	-3	40	38	62	202	120	130	13	54	32	68	104	67	-14	-244	-46	187	-60	-56	-73	-154	-186
Gain on sale of other real estate owned
30	-1	21	-4	95	0	12	-47	-21	55	-69	-15	-16	113	15	38	-38	-32	11	22	58	-75	-52	98	-6	34	-64	-49	-69	-127	-42	-223	139	-113	-11	57	52
Net gain on sale of loans
-	-	-	-	-	-	-	-	-	6	10	53	7	16	38	3	18	10	37	28	27	51	39	44	24	24	32	-4	1,417	1,436	-210	-652	267	199	83	39	19
Gain on sale of equity securities
0	0	0	0	295	3,572	0	-14	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gain (Loss) on Disposition of Other Assets
-2	-25	0	0	-19	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Bank Owned Life Insurance Income
32	31	37	38	30	28	35	45	66	69	67	66	63	56	54	46	51	52	48	45	49	53	57	61	64	77	84	82	70	83	109	120	126	141	165	162	158
Net gain on sale of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	46	0	0	0	0	0	0	0	-7	-	0	0	0	-	-	-	-	-	-	-	-
Gain (Loss) on Disposition of Property Plant Equipment
-	-	-	-	-	0	0	93	0	-	-	-	-	-	-	-	-	-	-	-	-	0	0	3	2	-43	0	0	0	-	-	-	-	0	1	-10	-10
Loans originated for sale
-	-	-	-	-	-	-	-	-	-3	275	777	239	1,213	594	143	360	245	1,269	1,415	909	1,831	1,506	1,467	519	895	2,275	4,244	3,357	32,445	-4,221	-15,712	6,127	7,179	4,407	1,726	3,154
Proceeds from sale of loans
-	-	-	-	-	-	-	-	-	3	285	830	246	1,229	632	146	378	255	1,306	1,443	936	1,882	1,545	1,511	543	920	2,568	4,019	4,163	5,216	4,385	3,592	7,791	6,848	3,102	1,765	5,889
Other real estate owned valuation adjustments
-	-	-	-	-	0	1	1	25	32	227	54	20	70	115	10	119	1,015	-231	-23	-213	830	-315	-33	-44	-	-	-	-	-	-	-	-	-	-	-	-
REO valuation adjustments
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-241	-141	-89	-	-1,425	1,814	-389	-	-	-	-
Net change in:
Deferred income tax
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-15,475	2,217	-141	980
Accrued interest receivable
135	-200	-654	6	459	-22	269	-195	281	50	81	10	97	225	156	-346	120	226	115	56	-97	336	-153	15	-205	357	-174	-201	-195	-2,605	132	1,708	-662	16	-372	-213	397
Other assets
-708	-799	-2,346	574	-1,293	1,846	-602	-901	-2,037	7,433	-710	-1,483	-1,834	4,933	-1,560	243	-2,198	5,247	-1,907	-1,555	-2,444	764	-2,074	638	-2,202	3,992	-1,512	-1,074	-1,163	-3,780	2,324	659	-603	2,862	-1,371	-973	-448
Accrued interest payable and other liabilities
-3,336	1,368	-665	1,086	-3,991	1,727	-305	-340	-2,431	3,669	892	-157	-2,701	3,722	-597	-464	-218	302	-1,884	1,465	-1,735	1,407	-786	4,410	-3,637	2,676	-617	1,297	-1,263	273	501	590	-2,553	326	-758	-276	-186
Net cash from operating activities
563	7,361	7,024	6,647	342	6,227	4,496	6,252	3,710	7,952	6,370	5,050	3,358	6,089	4,365	3,459	5,028	2,640	3,091	5,717	3,434	3,949	5,191	7,253	1,452	75	3,371	4,066	2,267	2,273	5,374	5,101	4,265	5,379	3,676	5,758	5,166
Cash flows from investing activities
Securities
Securities
Proceeds from maturities
23,188	28,711	28,204	20,032	30,974	38,419	27,211	21,454	27,499	25,765	20,420	15,652	13,623	9,157	20,054	21,070	17,453	6,394	13,399	25,108	14,903	8,179	14,730	23,792	5,402	1,391	4,154	6,642	14,626	8,166	1,235	14,734	6,455	5,642	16,657	3,662	8,140
Proceeds from principal repayments
810	-	-	-	449	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from principal repayments
-	-	-	-	-	617	1,049	891	1,030	927	729	1,095	637	1,557	1,282	1,137	1,126	1,096	1,397	2,743	1,748	1,920	1,913	1,448	1,898	2,921	1,847	3,786	4,938	4,255	5,713	3,491	6,209	21,015	-12,939	14,724	7,892
Proceeds from Sale of Debt Securities, Available-for-sale
0	-	0	0	3,722	-	0	487	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sales of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	46	0	0	0	0	0	0	0	3,663	0	0	0	0	-	-	-	-	-	-	-	-
Purchases of securities
27,756	24,381	7,677	24,544	26,479	23,259	19,783	32,649	37,923	21,320	10,160	16,346	17,302	18,194	15,566	16,564	15,293	18,101	19,941	13,087	9,615	16,119	22,706	18,304	16,013	31,869	39,176	0	3,175	62,019	-13,475	-14,337	1,153	4,901	22,870	2,673	7,113
Loans receivable
Proceeds from sale of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	2,868	10,988	0	0	0	-	-	-	-
Proceeds of redemption of Federal Reserve Bank stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	155
Payments for (Proceeds from) Federal Home Loan Bank Stock
-	-	-	-	-	-	-	-	-	-3,514	3,514	0	-3,514	0	0	0	0	-	-	-	-	-	-	-	-	0	0	-1,498	-846	-15,213	1,093	11,196	-5,010	-	-	-	-
Purchase of FHLB and FRB stock
-	-	-	-	-	-	-	-	-	0	0	143	11	5,393	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loan participations sold
-	-	-	-	-	-	-	-	-	0	0	2,000	1,615	3,172	3,023	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loan Participations Sold
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3,350	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net decrease in loans receivable
19,818	-	234,222	459,004	17,325	-	246,581	256,454	226,439	194,996	163,842	159,774	136,090	128,607	117,601	142,343	106,840	108,176	103,498	120,401	109,745	110,300	101,038	117,641	103,592	107,247	117,298	98,151	130,457	123,709	113,073	124,823	156,725	156,473	136,632	167,584	172,229
Purchase of loans
-	-	-	-	-	-	-	-	-	-	3,045	0	20,406	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8,831	-2,792	-398	0	1,055	1,765	1,945	149,409
Originated for investment
-	-	-	-	-	-	226,925	267,101	189,659	174,778	161,230	178,519	125,813	148,653	154,513	133,690	106,884	182,394	108,579	123,443	94,602	149,475	117,942	139,363	106,604	170,828	140,060	108,131	105,573	620,347	-78,197	-285,696	108,142	129,249	121,419	164,368	158,149
Proceeds from sale of other real estate owned
95	192	262	399	446	0	616	843	713	1,966	1,136	336	494	1,565	986	340	1,290	2,246	657	1,354	476	1,124	1,723	1,913	154	1,296	1,064	3,811	2,667	3,282	2,417	4,471	2,984	3,515	3,259	1,277	1,023
Purchase of premises and equipment, net
261	175	92	334	197	1,097	380	-18	150	227	399	328	179	36	343	221	96	179	81	91	191	814	139	98	125	-14	-1	11	14	4,220	-390	-2,180	685	985	972	261	152
Cash acquired in acquisition
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	61,619
Net cash from investing activities
15,894	50,844	75,350	31,742	26,240	-38,628	28,654	-9,915	27,949	27,329	11,293	-16,479	-7,738	-83,188	-27,476	29,161	4,482	-82,762	-9,650	12,985	25,814	-44,885	-21,383	-13,160	-8,033	-89,828	-54,872	5,746	47,640	30,608	28,677	66,044	67,403	30,641	16,397	27,677	-63,765
Cash flows from financing activities
Net change in deposits
-31,006	-4,068	-41,382	3,461	-25,738	56,714	-83	17,846	-62,044	-31,038	23,202	18,605	-10,108	22,695	48,093	3,913	51,770	31,385	-18,692	-2,538	-8,949	-6,589	-19,038	-15,479	111	2,875	-12,263	-9,454	-10,801	4,155	-11,212	-31,055	-11,914	-20,197	-25,407	-43,233	-26,752
Net change in borrowings
-61	-1,192	455	-15,308	-4,943	-183	-29,669	-10,082	215	-160	10,051	-1,169	977	49,663	-63	-16,152	-46,697	46,270	15,009	-178	-9,704	10,087	-234	400	-387	172	-57	200	-2,827	-1,379	-3,135	3,599	-2,840	69	-3,342	-2,893	-8,261
Net change in advance payments by borrowers for taxes and insurance
-2,053	-580	-2,724	4,392	-1,397	-484	-2,812	4,269	-2,087	962	-3,010	4,625	-1,973	2,571	-3,951	3,507	-2,614	3,773	-4,074	3,418	-3,078	4,727	-4,272	2,978	-2,376	4,607	-4,794	829	-915	3,378	-3,471	-851	673	-3,145	3,837	4,393	-1,468
Payments for Repurchase of Common Stock
2,202	1,298	0	4,001	12,840	10,690	4,104	7,167	1,323	1,671	2,581	3,188	3,379	520	5,022	3,280	4,393	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-
Payments of Ordinary Dividends, Common Stock
1,522	1,535	1,537	1,548	1,646	1,686	1,743	1,584	1,436	1,443	1,270	1,285	1,155	1,156	973	994	1,010	817	1,640	844	844	633	844	211	0	-	-	-	-	1,266	-211	-633	211	211	1,475	1,475	1,475
Shares retired for tax liability
-	-	-	-	-	-	-	-	-	0	0	19	1,200	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash used in financing activities
-36,844	-8,673	-45,188	-13,004	-46,564	43,671	-38,411	3,282	-66,675	-33,350	26,392	17,569	-16,838	73,253	38,084	-13,006	-2,944	78,029	-9,397	-7,530	-22,575	7,592	-24,388	-12,312	-2,652	7,232	-17,114	-8,847	-14,543	6,154	-18,029	-28,518	-14,292	-23,484	-26,387	-43,208	-37,956
Net change in cash and cash equivalents
-20,387	-	-	-	-19,982	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net change in cash and cash equivalents
-	-	-	-	-	11,270	-5,261	-381	-35,016	1,931	44,055	6,140	-21,218	-3,846	14,973	19,614	6,566	-2,093	-15,956	11,172	6,673	-33,344	-40,580	-18,219	-9,233	-82,521	-68,615	965	35,364	39,035	16,022	42,627	57,376	12,536	-6,314	-9,773	-96,555
Supplemental disclosures of cash flow information:
Interest paid
2,683	3,151	3,432	3,410	3,453	3,113	2,273	1,993	1,694	1,775	1,601	1,425	1,243	1,203	994	944	766	731	700	718	695	726	752	768	824	848	898	937	1,014	1,070	1,054	1,115	1,263	12,280	-9,189	1,957	1,801
Income taxes paid
65	0	12	25	375	92	74	133	43	229	22	175	1	107	7	115	60	101	236	0	26	0	0	103	11	0	0	0	0	0	0	0	0	3	-3	3	0
Income taxes refunded
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	461	17	291	1,115	0	-	-	-	-
Loans transferred to other real estate owned
0	110	30	0	46	241	403	276	562	725	105	0	1,936	1,036	94	56	65	4,561	147	578	589	1,613	376	892	2,568	2,244	512	2,201	555	799	2,470	2,639	1,127	5,286	977	6,170	1,699
Securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	10,177
Loans receivable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	118,147
Other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	6,965
Stock in Federal Home Loan Bank and Federal Reserve Bank
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	903
Goodwill
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	1,296
Premises and equipment, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	7,442
Accrued interest receivable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	355
Core deposit intangible
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	2,660
FDIC prepaid expense
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	774
Income tax receivable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	774
Deferred taxes, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	2,662
Other assets
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	42
Total noncash items acquired
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	152,197
Deposits
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	212,939
Advance payments by borrowers taxes and insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	34
Accrued interest payable and other liabilities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	843
Total liabilities assumed
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	213,816
Cash acquired in acquisition
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	61,619