Bancorp of new jersey, inc. (BKJ)
CashFlow / TTM
Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11
Cash flows from operating activities:
Net income

4,608

5,853

5,699

5,481

4,169

3,756

3,855

3,574

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

4,976

4,808

4,354

4,259

4,043

3,790

4,377

4,341

4,380

4,654

4,654

4,571

4,448

4,200

4,004

3,763

3,581

3,322

0

0

0

Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses

-

-

-

1,150

0

0

0

-

-

-

-

1,570

1,835

591

854

924

2,257

3,074

3,005

3,075

1,602

1,134

1,110

810

998

1,033

1,043

1,198

1,170

1,210

1,092

1,183

0

0

0

Amortization of securities premiums

-132

-147

-161

-175

-184

-187

-189

-193

-342

-203

-158

-146

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Amortization of securities premiums

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

111

111

109

59

-56

78

88

0

0

0

-

-

-

-

-

-

-

-

Deferred income taxes

25

347

177

210

1,725

1,037

1,234

1,028

-483

-123

-437

-483

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Depreciation

888

884

876

862

842

762

694

669

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Depreciation and amortization

-

-

-

-

-

-

-

-

-

-

-

-

635

647

654

615

604

590

578

570

564

553

537

520

501

494

493

490

485

464

439

430

0

0

0

Stock based compensation

256

275

293

379

428

463

478

397

370

322

305

285

256

238

209

211

211

210

210

250

242

245

247

172

0

0

0

-

-

-

-

-

-

-

-

Accretion of net loan origination fees and costs

28

28

-106

-139

-115

-159

-84

-212

-244

-282

-303

-205

-125

-41

20

33

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Recognition of stock option expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

149

152

156

0

0

0

Increase in deferred income taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

433

0

0

0

Loss on sale of securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-15

0

0

0

-

-

-

-

195

0

0

0

-

-

-

-

-

-

-

-

Gain on sale of other real estate owned

-

-

-

-

-

-

-

18

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Write down of other real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

217

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Changes in operating assets and liabilities:
(Increase) decrease in accrued interest receivable

-45

245

314

146

252

382

278

329

267

24

108

62

36

-72

-73

-136

-114

147

312

985

373

243

157

-276

-13

213

296

217

637

48

7

230

0

0

0

Decrease (increase) in other assets

-521

-475

-170

-92

-52

10

-126

-210

-87

-274

-17

-202

644

905

72

594

-317

-172

318

-1,545

106

80

-101

1,477

-280

-385

-317

-191

-459

183

-437

-564

0

0

0

(Decrease) increase in accrued interest payable and other liabilities

2,844

2,988

3,437

3,850

-136

262

-333

121

705

-211

166

-199

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Decrease in other liabilities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-117

349

0

0

0

-

-

-

529

146

279

-31

-210

327

0

0

0

NET CASH PROVIDED BY OPERATING ACTIVITIES

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6,882

6,504

6,106

7,780

7,109

8,442

6,678

5,941

5,770

4,327

7,414

6,527

6,414

5,923

5,175

4,807

5,083

5,522

0

0

0

NET CASH PROVIDED BY OPERATING ACTIVITIES

9,936

11,371

11,465

12,227

8,498

7,325

6,815

6,498

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash flows from investing activities:
Purchases of securities available for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

48,000

64,854

82,854

74,939

100,676

91,953

87,945

86,881

56,141

0

0

0

Purchases of securities held to maturity

-

-

-

-

-

-

-

10,148

10,748

10,748

9,016

7,343

6,207

6,358

5,782

5,829

7,535

7,384

7,261

11,923

13,105

26,173

26,593

24,008

0

0

0

-

-

-

-

4,787

0

0

0

Proceeds from sales of securities available for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

47,379

0

0

0

-

-

-

-

-

-

-

-

Proceeds from maturities of securities held to maturity

-

-

-

-

-

-

-

11,433

11,433

8,768

5,448

5,829

9,829

9,977

11,647

15,923

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from maturities of securities held to maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

24,793

24,794

11,479

3,880

928

1,876

5,086

5,087

6,186

5,238

3,728

0

0

0

Proceeds from calls, maturities and other principal payments of securities available for sale

14,421

24,447

20,533

20,674

17,685

12,454

19,747

23,052

27,107

43,680

50,180

50,180

0

0

0

-

-

-

-

-

-

-

-

18,031

31,575

46,252

50,264

51,294

43,768

41,089

37,046

28,016

0

0

0

Proceeds from sales of securities available for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6,985

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of restricted investment in bank stock

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from calls of restricted investment of bank stock

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from calls of restricted investment of bank stock

-

-

-

-

-

-

-

-

-

-

-

743

516

289

313

312

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sale of other real estate owned

-

-

-

-

-

-

-

176

0

0

0

-

-

-

-

-

-

-

-

1,090

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net increase in loans

54,040

42,100

50,893

46,313

52,148

65,875

39,672

60,990

33,755

22,504

33,942

16,970

36,469

3,709

2,158

11,200

37,670

114,918

149,490

164,229

116,903

68,302

59,336

37,879

56,774

70,192

59,542

71,169

65,547

68,429

58,272

63,449

0

0

0

Purchases of premises and equipment

430

629

638

612

539

489

593

897

1,497

2,019

2,993

3,662

3,459

2,908

1,851

979

557

468

394

279

375

535

653

723

592

399

354

511

643

819

926

706

0

0

0

NET CASH USED IN INVESTING ACTIVITIES

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-2,569

-7,516

-34,888

-102,969

-136,979

-151,713

-116,250

-73,144

-81,751

-34,594

-49,822

-59,156

-39,170

-104,140

-108,324

-111,914

-105,896

-92,163

0

0

0

NET CASH USED IN INVESTING ACTIVITIES

-35,961

-13,672

-32,184

-26,989

-36,513

-67,935

-32,074

-51,835

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash flows from financing activities:
Net increase (decrease) in deposits

26,967

6,993

-16,020

-51,591

-3,515

-11,548

3,706

70,305

51,216

61,395

62,987

17,249

18,248

5,156

13,267

51,765

101,325

122,796

113,474

95,654

77,476

44,138

60,453

37,585

35,716

61,238

57,116

99,572

110,914

121,928

110,263

97,742

0

0

0

Net (decrease) increase in borrowed funds

21,498

21,135

48,247

38,273

13,299

13,325

-11,649

-11,623

-16,598

-21,572

-1,546

-1,521

3,504

8,529

-6,446

-6,421

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Dividends paid

-

-

-

-

-

-

-

-

-

-

-

1,128

1,509

1,504

1,503

1,503

1,445

1,394

1,340

1,287

1,286

1,281

1,278

1,269

2,511

2,505

2,499

2,499

0

0

0

-

-

-

-

Proceeds from the sale of common stock through the private placement

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

9,280

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from exercise of stock options

-

-

-

7

639

2,476

2,824

2,993

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

NET CASH PROVIDED (USED IN) BY FINANCING ACTIVITIES

48,468

28,127

32,223

-13,315

9,726

3,558

-5,814

60,980

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Increase (decrease) in cash and cash equivalents

22,443

25,826

11,504

-28,077

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(Decrease) increase in cash and cash equivalents

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

NET CASH PROVIDED BY (USED IN) FINANCING ACTIVITIES

-

-

-

-

-

-

-

-

-

-

-

-

-

-

5,321

53,141

104,299

155,020

153,058

127,590

109,832

49,178

59,789

36,930

33,475

58,733

54,617

97,073

107,895

119,221

107,868

95,659

0

0

0

Increase (decrease) in cash and cash equivalents

-

-

-

-

-

-

-

-

-

-

-

-

-

-

9,634

52,129

75,517

59,831

23,188

-15,681

260

-18,025

-16,192

6,663

-8,933

6,104

21,861

-1,144

4,746

12,114

7,055

9,018

0

0

0

Supplemental information:
Cash paid during the year for:
Interest

12,675

11,354

10,104

9,159

8,174

7,759

7,528

7,476

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Income taxes

1,647

1,562

1,399

994

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Non-cash Investing and Financing Activities:
Recognition of right of use asset

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Recognition of lease liability

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest

-

-

-

-

-

-

-

-

-

-

-

-

-

-

8,056

8,083

7,832

7,371

6,880

6,488

7,803

6,131

6,152

6,142

6,153

6,153

6,126

6,005

4,178

5,354

4,921

4,575

0

0

0

Taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,116

3,173

3,674

2,666

2,866

2,464

3,194

3,194

3,668

3,680

2,962

2,962

2,822

2,747

2,085

2,779

2,846

2,650

0

0

0

Supplemental disclosure of non-cash investing and financing transactions:
Loans transferred to other real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,077

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-