BSB BANCORP, INC. BLMT Cash Flow

Bsb bancorp, inc. (BLMT)

CashFlow / Quarterly

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	Dec'09
Cash flows from operating activities:
Net income
4,603	6,228	6,068	6,010	2,108	4,600	4,012	3,666	3,310	3,180	2,952	2,539	2,069	1,868	1,603	1,374	1,367	1,203	1,041	680	645	538	361	416	485	183	286	447	-1,337	295	-188	1,529	916
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of securities, net
-152	-190	-243	-199	-214	-223	-200	-206	-238	-214	-207	-174	-193	-205	-177	-157	-144	-184	-148	-130	-80	-155	-177	-196	-242	-215	-338	-170	-250	-278	-282	-291	-159
Gain on sales of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2	0	0	2,788	-
Net gain on sales of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	3	31	-	-	-	-	-	-	-	-	-
Increase in trading securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	879
Gain on sales of loans, net
114	306	24	312	323	266	339	8	80	24	107	60	16	47	292	40	158	103	163	62	56	168	449	351	1,014	191	737	578	154	91	147	70	50
Loans originated for sale
2,616	9,988	6,572	304	1,327	1,548	2,296	268	2,777	2,206	4,154	997	1,945	1,596	8,303	1,834	-	-	-	-	-5,748	21,651	44,141	27,848	65,033	-17,527	62,718	51,570	15,950	9,471	16,678	8,278	5,249
Proceeds from sales of loans
9,122	21,788	2,491	21,101	19,775	25,310	26,112	276	3,757	1,330	4,261	2,301	715	1,643	18,711	1,874	9,301	4,846	13,750	6,117	-5,693	28,247	46,377	29,842	58,883	-20,761	93,699	65,520	2,890	8,309	16,481	11,057	5,049
Provision for loan losses
465	191	727	274	692	534	707	829	602	443	741	599	887	726	366	338	564	292	308	388	633	438	100	327	-	-	-	-	-	-	-	-	-
Provision for loan losses
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	734	825	481	747	320	742	476	152
Change in unamortized mortgage premium
341	307	-334	-270	-726	-529	-467	-666	-173	-932	-48	-775	-498	-1,057	-137	-104	-190	-449	-328	-78	-49	-349	-54	-431	135	-285	-50	2	-361	-68	12	-3	56
Change in net deferred loan costs
52	-68	57	18	8	-59	-17	-128	-192	-174	-412	-263	-192	-337	27	97	450	336	61	686	297	103	77	281	-84	234	56	30	146	343	586	886	-
ESOP expense
114	129	127	114	117	109	112	106	100	88	89	83	86	79	84	72	73	67	65	63	56	53	51	49	48	49	46	42	-	-	-	-	-
Depreciation and amortization expense
155	151	143	141	144	148	150	153	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Depreciation and amortization expense
-	-	-	-	-	-	-	-	-	157	154	154	-	181	195	188	186	190	192	193	195	185	167	169	154	130	117	116	113	118	109	107	96
Impairment of fixed assets
1	0	0	2	0	0	0	18	-	-	-	-	-	-	-	-	0	0	0	3	-	-	-	-	-	-	-	-	-	-	-	-	-
Deferred income tax (benefit) expense
-232	-180	-299	219	3,065	-889	105	254	-414	-603	-983	259	-327	-484	-483	273	-155	-347	-216	110	-276	-624	-34	-27	-	-	-	-	-1,122	-28	-1	600	122
Gain on sale of fixed assets
0	0	0	11	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Increase in bank-owned life insurance
675	274	261	268	286	288	294	252	288	292	237	233	257	247	203	186	207	153	100	99	-	-	-	-	-	-	-	-	124	115	88	108	136
Change in net deferred loan costs
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3
Stock based compensation expense
353	350	350	352	610	757	735	457	410	427	413	399	423	427	414	396	426	432	418	477	414	432	402	399	-	-	-	-	-	-	-	-	-
Excess tax benefit from stock-based compensation
-	-	-	-	-	-	-	-	271	4	33	21	161	10	34	10	96	2	0	11	-	-	-	-	-	-	-	-	-	-	-	-	-
Increase in bank-owned life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	99	-	-	-	102	-	-	-	-	-
Bank-owned life insurance death benefit income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	150
Net change in:
Accrued interest receivable
-376	716	864	-258	633	596	258	222	373	-89	163	407	173	365	178	88	162	246	138	190	65	-57	57	-41	-229	324	61	-124	125	-186	284	-159	-11
Other assets
3,223	-1,051	320	1,372	641	-309	745	-270	316	14	-172	-558	935	-40	-10	142	-72	177	-199	137	-121	147	1,570	127	16	-495	270	332	-1,315	486	339	-33	1,515
Income taxes receivable
-227	-200	370	53	40	-1,020	1,258	-648	-	-	-	-	1	746	-260	-166	-170	-834	708	-25	0	643	-103	266	-449	59	-350	-66	1,134	-127	209	-308	-
Income taxes payable
-	-	-	980	-	-	-	-	271	4	-779	649	-	-	-	-	109	0	0	-178	-	-	-	-	0	0	0	-121	-	-	-	-	336
Accrued interest payable
136	-90	458	-48	160	141	180	90	10	-3	-31	54	-32	34	-87	117	39	162	27	50	58	47	50	73	85	82	71	40	31	-13	-39	-25	-19
Deferred compensation liability
-70	222	197	116	225	230	223	198	-59	201	96	371	259	-17	192	249	254	109	152	99	41	171	89	151	162	135	60	155	189	15	22	7	100
Other liabilities
-2,788	4,208	249	1,197	102	-446	-2,120	3,038	-290	584	346	-2,856	725	-92	1,395	-1,582	1,808	327	-1,719	672	1,504	-1,321	3,290	402	190	-1,243	2,593	-162	-60	-800	809	502	-683
Maturities of interest-bearing time deposits with other banks
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	113
Net cash provided by operating activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-3,534	33,684	14,136	-11,205	-1,767	-102	2,911	-1,687
Cash flows from investing activities:
Net cash provided by operating activities
-	-	-	28,413	-	-	-	7,625	-	2,608	2,616	3,054	1,776	2,377	13,143	789	8,906	3,955	571	7,516	2,895	6,750	4,471	3,136	-	-	-	-	-	-	-	-	-
Maturities of interest-bearing time deposits with other banks
1,000	1,715	245	380	100	0	0	134	0	0	0	131	-	-	-	-	0	0	0	119	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of interest-bearing time deposits with other banks
0	4,529	200	400	100	2,205	0	135	100	0	0	134	-	-	-	-	0	0	0	131	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of interest-bearing time deposits with other banks
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	119
Purchases of available-for-sale securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	0	709	-
Proceeds from sales of available-for-sale securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	7,705	10,280	-	-	-	0	0	0	0	15,650	-
Proceeds from maturities of available-for-sale securities
0	0	7,950	4,800	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from maturities, payments, and calls of held-to-maturity securities
6,411	7,883	11,949	12,315	7,642	7,706	6,487	6,527	7,653	6,737	6,434	5,152	5,800	6,055	5,081	4,523	4,426	6,090	4,172	5,642	5,507	6,630	7,457	5,991	9,973	5,051	6,286	17,040	3,298	7,750	16,399	15,612	3,252
Purchases of held-to-maturity securities
3,591	5,386	10,271	7,966	28,636	6,677	13,184	10,525	3,584	4,077	8,759	3,392	7,764	12,769	15,031	5,144	1,398	4,256	4,054	9,908	3,919	55,485	15,636	6,851	-	-	-	-	3,086	16,124	19,440	1,000	12,646
Redemption of Federal Home Loan Bank stock
-4,795	-10,295	-2,936	-3,994	-	-	-	-	-1,774	0	-561	-679	-	-	-	-	-	-	-	-	0	0	0	-496	0	0	0	-411	-	-	-	-	-
Purchases of Federal Home Loan Bank stock
6,041	7,625	11,030	3,600	4,065	1,014	1,465	4,534	2,370	2,651	1,774	2,981	1,535	1,692	0	1,370	600	2,975	444	2,386	-	-	-	-	-	-	-	-	-	-	-	-	-
Recoveries of loans previously charged off
4	1	2	10	3	4	13	4	31	17	3	10	9	233	6	13	9	9	6	5	16	80	13	46	44	109	38	6	-	-	-	-	-
Loan originations and principal collections, net
19,755	-9,562	66,087	15,252	-6,995	45,582	3,380	15,765	8,261	-32,308	4,748	2,302	31,106	21,375	11,182	15,782	45,245	48,667	24,894	65,828	23,378	20,311	-19,603	30,012	-	-	-	-	-	-	-	-	-
Loan originations and principal collections, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-37,602	-36,192	-19,795	-	-	-	-	-
Recoveries of loans previously charged off
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-4	-1
Loan originations and principal collections, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	45,012	-7,386
Purchases of loans
38,350	54,520	94,549	87,290	149,298	83,139	104,309	102,137	72,064	129,077	51,282	98,230	76,780	115,764	60,347	36,037	45,709	59,408	35,963	28,432	20,470	51,982	40,033	16,799	15,615	27,909	32,906	23,542	38,570	7,175	0	1,345	168
Proceeds from sales of fixed assets
0	0	0	25	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Capital expenditures
28	121	166	215	84	129	143	156	78	45	84	128	105	13	154	51	93	104	147	159	262	375	474	71	190	565	487	177	139	97	166	106	33
Net cash used in investing activities
-	-	-	-93,199	-	-	-	-126,592	-	-96,789	-64,649	-101,199	-109,979	-145,325	-86,632	-53,848	-88,609	-118,906	-61,324	-101,083	-42,568	-126,807	-33,938	-36,925	-	-	-	-	-	-	-	-	-
Insurance proceeds received - equipment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-4
Premiums paid on bank-owned life insurance
-	-	-	-	0	0	0	5	0	1	5,000	4	-	-	-	-	-1	10,000	0	5	0	1	0	5	0	0	20	5	0	0	18	13	-
Net cash used in investing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-85,667	-72,785	-26,062	-68,811	-36,787	-32,624	-16,919	-2,210
Cash flows from financing activities:
Net (decrease) increase in demand deposits, interest-bearing checking and savings accounts
-79,691	29,716	-62,217	67,300	-17,688	67,473	-3,373	66,304	31,409	27,394	12,124	51,810	60,247	61,693	98,160	32,635	26,055	21,599	46,754	45,371	18,676	23,960	71,440	17,941	121,217	-44,083	39,912	57,698	-	-	-	-	-
Net increase in demand deposits, NOW and savings accounts
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	144,576	25,652	20,042	12,457
Net increase in time deposits
92,275	84,749	23,061	54,468	54,176	36,475	48,319	30,143	11,918	14,076	17,218	33,954	701	-2,879	8,598	25,802	25,924	19,093	17,411	17,602	19,075	7,621	7,328	-9,153	-91,977	85,051	4,197	5,196	-4,761	-2,992	-7,309	10,393	306
Proceeds from long-term Federal Home Loan Bank advances
0	15,000	55,000	35,000	15,000	15,000	80,000	15,000	45,000	50,000	53,750	62,500	56,500	12,500	0	15,000	-	-	-	-	-	-	-	-	-	-	-	-	31,600	0	10,000	4,500	11,000
Principal payments on long-term Federal Home Loan Bank advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	28,000	31,000	-	-	-	1,000	-	-	3,500	6,500	7,500	5,500	6,500	10,000	11,000	12,000	18,300	12,000	12,750
Net change in short-term Federal Home Loan Bank advances
81,000	-66,000	158,000	-95,900	150,900	60,000	-45,000	8,400	-	-	-	-44,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Payment to counterparty for interest rate cap contract
-	-	0	1,525	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net change in short-term advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	50,000	-	-	-	-	-22,000	32,000	-4,000	-4,000	-18,000	14,500	5,000	8,500	-6,000
Net (decrease) increase in securities sold under agreements to repurchase
629	-1,745	261	470	1,407	-1,169	805	240	-1,787	2,001	-471	-1,453	1,309	-74	828	240	-66	-414	-535	280	-425	-623	-285	56	211	-41	-76	325	-271	426	-256	432	-860
Repayment of principal on other borrowed funds
-	-	-	-	-	-	-	-	-	-	-	-	12	12	11	12	11	12	11	12	11	11	10	11	307	13	13	13	63	12	12	3,610	275
Proceeds from exercise of stock options, net of cash paid
-80	60	40	517	-409	282	-1	184	151	11	114	22	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Payment of income taxes for shares withheld in stock based award activity
0	0	2	272	-125	0	0	448	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in mortgagors' escrow accounts
-1	-105	836	918	146	377	107	719	166	622	-40	178	71	782	126	-291	0	288	134	138	53	294	-88	-64	50	183	113	70	-	-	-	-	-
Payments to repurchase stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	4,533	1,945	-	-	-	-	-	-	-	-	-
Excess tax benefit from stock-based compensation
-	-	-	-	-	-	-	-	271	4	33	21	161	10	34	10	96	2	0	11	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by financing activities
-	-	-	60,976	-	-	-	120,542	-	90,108	59,728	103,032	116,864	138,044	79,901	42,384	85,978	111,556	52,775	112,390	28,899	113,741	65,352	324	-	-	-	-	-	-	-	-	-
Net increase (decrease) in mortgagors' escrow accounts
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-7	18	10	-24
Net cash provided by financing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	67,597	33,633	49,276	-20,377	144,505	14,757	28,247	3,902
Net increase (decrease) in cash and cash equivalents
9,757	29,919	-3,376	-3,810	34,442	24,405	-8,410	1,575	9,106	-4,073	-2,305	4,887	8,661	-4,904	6,412	-10,675	6,275	-3,395	-7,978	18,823	-10,774	-6,316	35,885	-33,465	19,639	-21,604	-5,468	37,350	-100,393	105,951	-17,969	14,239	5
Supplemental disclosures:
Interest paid
-	-	-	7,329	-	-	-	4,155	-	3,703	3,487	3,104	2,893	2,530	2,562	2,177	2,029	1,734	1,632	1,378	1,257	1,177	1,172	1,153	1,207	1,221	1,217	1,210	1,209	1,356	1,558	1,568	2,331
Income taxes paid
1,948	2,280	3,980	812	2,357	1,870	2,423	2,327	1,792	2,822	4,189	643	1,198	904	1,761	761	1,075	597	1,488	397	224	33	728	3	500	4	484	399	-	-	-	-	-
Income taxes paid
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	131
Transfer of loans receivable to loans held for sale
2,989	13,660	0	20,519	16,472	23,882	-2,075	25,634	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	28,355	-	-	-	-	-
Derecognition of loans and related recourse obligation in other borrowings
-	-	-	-	-	-	-	-	0	0	0	1,020	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Transfer from bank-owned life insurance to other assets (death benefit settlement)
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	799