BankFinancial CORP BFIN Cash Flow

Bankfinancial corp (BFIN)

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
10,539	11,672	15,698	15,511	19,334	19,342	12,917	12,740	10,682	9,004	10,272	9,220	7,479	7,502	7,359	7,200	8,593	8,675	41,237	42,478	41,658	40,614	7,441	4,890	3,562	3,298	-23,229	-29,490	-28,768	-27,109	-49,136	-45,810	-45,582	-48,696	0	0	0
Adjustments to reconcile to net income to net cash from operating activities
Provision for (recovery of) loan losses
4,383	3,825	4,139	4,250	316	145	-330	-532	-506	-87	-554	-854	412	-239	-738	-1,169	-2,972	-3,206	-2,924	-3,381	-1,936	-736	-1,158	-182	-933	-687	24,819	29,709	31,248	31,522	16,934	19,865	21,295	22,723	0	0	0
Prepayment of ESOP Share Acquisition Loan
-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Prepayment of ESOP Share Acquisition Loan
-	-	-	-	-	-	-	-	-	-	1,645	1,993	2,288	1,451	1,257	1,248	1,206	1,236	1,309	1,189	1,237	1,160	1,010	1,025	942	896	729	772	760	727	0	0	0	-	-	-	-
ESOP shares earned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Stock-based compensation expense
-	-	-	-	-	-	-	-	-	-	-	-	-	982	1,181	1,373	1,017	657	369	88	70	70	76	82	103	86	62	38	20	41	51	62	56	53	0	0	0
Depreciation
1,625	1,613	1,547	1,461	1,010	1,535	3,456	3,628	3,747	3,789	3,808	3,795	3,796	3,777	3,743	3,719	3,695	3,682	3,701	3,714	3,765	3,811	4,032	4,164	4,314	4,453	4,414	4,484	4,503	4,546	4,607	4,626	4,626	4,559	0	0	0
Amortization of right of use asset
-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of premiums and discounts on securities and loans
-8	-8	-6	-10	-9	-11	42	28	55	123	248	294	308	280	202	238	301	312	327	332	376	438	455	579	632	736	5,293	4,549	1,773	2,502	-2,942	-1,466	2,403	1,290	0	0	0
Amortization of intangibles
0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	544	-	557	564	571	578	585	591	598	605	612	619	626	633	0	0	0	-	-	-	-
Amortization of Intangible Assets
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0
Amortization of servicing assets
83	85	78	86	84	94	102	101	105	109	102	103	112	112	129	151	146	140	138	120	132	143	128	139	171	168	237	249	271	320	292	552	403	267	0	0	0
Net change in net deferred loan origination costs
-214	-157	-271	-198	-168	-197	-107	-304	-304	-397	-337	-178	-127	42	74	137	342	422	514	465	317	229	167	258	271	225	-87	-237	-117	-163	25	-2	-343	-469	0	0	0
Gain on sale of other real estate owned
46	111	112	103	60	-56	-1	-82	-50	-45	13	97	150	128	-17	-21	-37	59	16	-47	29	-35	74	62	-85	-148	-309	-287	-461	-253	-239	-208	72	-15	0	0	0
Net gain on sale of loans
-	-	-	-	-	-	-	-	-	76	86	114	64	75	69	68	93	102	143	145	161	158	131	124	76	1,469	2,881	2,639	1,991	841	-396	-103	588	340	0	0	0
Gain on sale of equity securities
0	295	3,867	3,867	3,853	3,558	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gain (Loss) on Disposition of Other Assets
-27	-44	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Bank Owned Life Insurance Income
138	136	133	131	138	174	215	247	268	265	252	239	219	207	203	197	196	194	195	204	220	235	259	286	307	313	319	344	382	438	496	552	594	626	0	0	0
Net gain on sale of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	46	46	46	46	0	0	0	0	-7	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-
Gain (Loss) on Disposition of Property Plant Equipment
-	-	-	-	-	93	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	5	-38	-38	-41	-43	0	0	0	-	-	-	-	-19	0	0	0
Loans originated for sale
-	-	-	-	-	-	-	-	-	1,288	2,504	2,823	2,189	2,310	1,342	2,017	3,289	3,838	5,424	5,661	5,713	5,323	4,387	5,156	7,933	10,771	42,321	35,825	15,869	18,639	-6,627	2,001	19,439	16,466	0	0	0
Proceeds from sale of loans
-	-	-	-	-	-	-	-	-	1,364	2,590	2,937	2,253	2,385	1,411	2,085	3,382	3,940	5,567	5,806	5,874	5,481	4,519	5,542	8,050	11,670	15,966	17,783	17,356	20,984	22,616	21,333	19,506	17,604	0	0	0
Other real estate owned valuation adjustments
-	-	-	-	-	27	59	285	338	333	371	259	215	314	1,259	913	880	548	363	279	269	438	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
REO valuation adjustments
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0	-	-	-	-
Net change in:
Deferred income tax
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-12,419	0	0	0
Accrued interest receivable
-713	-389	-211	712	511	333	405	217	422	238	413	488	132	155	156	115	517	300	410	142	101	-7	14	-7	-223	-213	-3,175	-2,869	-960	-1,427	1,194	690	-1,231	-172	0	0	0
Other assets
-3,279	-3,864	-1,219	525	-950	-1,694	3,893	3,785	3,203	3,406	906	56	1,782	1,418	1,732	1,385	-413	-659	-5,142	-5,309	-3,116	-2,874	354	916	-796	243	-7,529	-3,693	-1,960	-1,400	5,242	1,547	-85	70	0	0	0
Accrued interest payable and other liabilities
-1,547	-2,202	-1,843	-1,483	-2,909	-1,349	593	1,790	1,973	1,703	1,756	267	-40	2,443	-977	-2,264	-335	-1,852	-747	351	3,296	1,394	2,663	2,832	-281	2,093	-310	808	101	-1,189	-1,136	-2,395	-3,261	-894	0	0	0
Net cash from operating activities
21,595	21,374	20,240	17,712	17,317	20,685	22,410	24,284	23,082	22,730	20,867	18,862	17,271	18,941	15,492	14,218	16,476	14,882	16,191	18,291	19,827	17,845	13,971	12,151	8,964	9,779	11,977	13,980	15,015	17,013	20,119	18,421	19,078	19,979	0	0	0
Cash flows from investing activities
Securities
Securities
Proceeds from maturities
100,135	107,921	117,629	116,636	118,058	114,583	101,929	95,138	89,336	75,460	58,852	58,486	63,904	67,734	64,971	58,316	62,354	59,804	61,589	62,920	61,604	52,103	45,315	34,739	17,589	26,813	33,588	30,669	38,761	30,590	28,066	43,488	32,416	34,101	0	0	0
Proceeds from principal repayments
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from principal repayments
-	-	-	-	-	3,587	3,897	3,577	3,781	3,388	4,018	4,571	4,613	5,102	4,641	4,756	6,362	6,984	7,808	8,324	7,029	7,179	8,180	8,114	10,452	13,492	14,826	18,692	18,397	19,668	36,428	17,776	29,009	30,692	0	0	0
Proceeds from Sale of Debt Securities, Available-for-sale
0	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sales of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	46	46	46	46	0	0	0	0	3,663	3,663	3,663	3,663	0	0	0	0	-	-	-	-	-	-	-	-
Purchases of securities
84,358	83,081	81,959	94,065	102,170	113,614	111,675	102,052	85,749	65,128	62,002	67,408	67,626	65,617	65,524	69,899	66,422	60,744	58,762	61,527	66,744	73,142	88,892	105,362	87,058	74,220	104,370	51,719	37,382	35,360	-21,758	14,587	31,597	37,557	0	0	0
Loans receivable
Proceeds from sale of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2,868	13,856	13,856	13,856	10,988	0	0	0	-	-	-	-
Proceeds of redemption of Federal Reserve Bank stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	155	0	0	0
Payments for (Proceeds from) Federal Home Loan Bank Stock
-	-	-	-	-	-	-	-	-	-3,514	0	-3,514	-3,514	0	0	0	0	-	-	-	-	-	-	-	-	-2,344	-17,557	-16,464	-3,770	-7,934	0	0	0	-	-	-	-
Purchase of FHLB and FRB stock
-	-	-	-	-	-	-	-	-	154	5,547	5,547	5,404	5,393	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loan participations sold
-	-	-	-	-	-	-	-	-	3,615	6,787	9,810	7,810	6,195	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loan Participations Sold
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net decrease in loans receivable
0	-	0	0	0	-	924,470	841,731	745,051	654,702	588,313	542,072	524,641	495,391	474,960	460,857	438,915	441,820	443,944	441,484	438,724	432,571	429,518	445,778	426,288	453,153	469,615	465,390	492,062	518,330	551,094	574,653	617,414	632,918	0	0	0
Purchase of loans
-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5,641	-2,135	2,422	4,765	154,174	0	0	0
Originated for investment
-	-	-	-	-	-	858,463	792,768	704,186	640,340	614,215	607,498	562,669	543,740	577,481	531,547	521,300	509,018	476,099	485,462	501,382	513,384	534,737	556,855	525,623	524,592	974,111	755,854	362,027	364,596	-126,502	73,114	523,178	573,185	0	0	0
Proceeds from sale of other real estate owned
948	1,299	1,107	1,461	1,905	2,172	4,138	4,658	4,151	3,932	3,531	3,381	3,385	4,181	4,862	4,533	5,547	4,733	3,611	4,677	5,236	4,914	5,086	4,427	6,325	8,838	10,824	12,177	12,837	13,154	13,387	14,229	11,035	9,074	0	0	0
Purchase of premises and equipment, net
862	798	1,720	2,008	1,656	1,609	739	758	1,104	1,133	942	886	779	696	839	577	447	542	1,177	1,235	1,242	1,176	348	208	121	10	4,244	3,855	1,664	2,335	-900	462	2,903	2,370	0	0	0
Cash acquired in acquisition
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	61,619	0	0	0
Net cash from investing activities
173,830	184,176	94,704	48,008	6,351	8,060	74,017	56,656	50,092	14,405	-96,112	-134,881	-89,241	-77,021	-76,595	-58,769	-74,945	-53,613	-15,736	-27,469	-53,614	-87,461	-132,404	-165,893	-146,987	-91,314	29,122	112,671	172,969	192,732	192,765	180,485	142,118	10,950	0	0	0
Cash flows from financing activities
Net change in deposits
-72,995	-67,727	-6,945	34,354	48,739	12,433	-75,319	-52,034	-51,275	661	54,394	79,285	64,593	126,471	135,161	68,376	61,925	1,206	-36,768	-37,114	-50,055	-40,995	-31,531	-24,756	-18,731	-29,643	-28,363	-27,312	-48,913	-50,026	-74,378	-88,573	-100,751	-115,589	0	0	0
Net change in borrowings
-16,106	-20,988	-19,979	-50,103	-44,877	-39,719	-39,696	24	8,937	9,699	59,522	49,408	34,425	-13,249	-16,642	-1,570	14,404	51,397	15,214	-29	549	9,866	-49	128	-72	-2,512	-4,063	-7,141	-3,742	-3,755	-2,307	-2,514	-9,006	-14,427	0	0	0
Net change in advance payments by borrowers for taxes and insurance
-965	-309	-213	-301	-424	-1,114	332	134	490	604	2,213	1,272	154	-487	715	592	503	39	993	795	355	1,057	937	415	-1,734	-273	-1,502	-179	-1,859	-271	-6,794	514	5,758	3,617	0	0	0
Payments for Repurchase of Common Stock
7,501	18,139	27,531	31,635	34,801	23,284	14,265	12,742	8,763	10,819	9,668	12,109	12,201	13,215	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-
Payments of Ordinary Dividends, Common Stock
6,142	6,266	6,417	6,623	6,659	6,449	6,206	5,733	5,434	5,153	4,866	4,569	4,278	4,133	3,794	4,461	4,311	4,145	3,961	3,165	2,532	1,688	0	0	0	-	-	-	-	633	-422	1,264	3,372	4,636	0	0	0
Shares retired for tax liability
-	-	-	-	-	-	-	-	-	1,219	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash used in financing activities
-103,709	-113,429	-61,085	-54,308	-38,022	-58,133	-135,154	-70,351	-56,064	-6,227	100,376	112,068	81,493	95,387	100,163	52,682	58,158	38,527	-31,910	-46,901	-51,683	-31,760	-32,120	-24,846	-21,381	-33,272	-34,350	-35,265	-54,936	-54,685	-84,323	-92,681	-107,371	-131,035	0	0	0
Net change in cash and cash equivalents
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net change in cash and cash equivalents
-	-	-	-	-	-29,388	-38,727	10,589	17,110	30,908	25,131	-3,951	9,523	37,307	39,060	8,131	-311	-204	-31,455	-56,079	-85,470	-101,376	-150,553	-178,588	-159,404	-114,807	6,749	91,386	133,048	155,060	128,561	106,225	53,825	-100,106	0	0	0
Supplemental disclosures of cash flow information:
Interest paid
12,676	13,446	13,408	12,249	10,832	9,073	7,735	7,063	6,495	6,044	5,472	4,865	4,384	3,907	3,435	3,141	2,915	2,844	2,839	2,891	2,941	3,070	3,192	3,338	3,507	3,697	3,919	4,075	4,253	4,502	15,712	5,469	6,311	6,849	0	0	0
Income taxes paid
102	412	504	566	674	342	479	427	469	427	305	290	230	289	283	512	397	363	262	26	129	114	114	114	11	0	0	0	0	0	3	0	3	3	0	0	0
Income taxes refunded
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	461	478	769	1,884	1,423	0	0	0	-	-	-	-
Loans transferred to other real estate owned
140	186	317	690	966	1,482	1,966	1,668	1,392	2,766	3,077	3,066	3,122	1,251	4,776	4,829	5,351	5,875	2,927	3,156	3,470	5,449	6,080	6,216	7,525	5,512	4,067	6,025	6,463	7,035	11,522	10,029	13,560	14,132	0	0	0
Securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Loans receivable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Stock in Federal Home Loan Bank and Federal Reserve Bank
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Goodwill
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Premises and equipment, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Accrued interest receivable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Core deposit intangible
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
FDIC prepaid expense
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Income tax receivable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Deferred taxes, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Other assets
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Total noncash items acquired
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Deposits
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Advance payments by borrowers taxes and insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Accrued interest payable and other liabilities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Total liabilities assumed
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Cash acquired in acquisition
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	61,619	0	0	0