BSB BANCORP, INC. BLMT Cash Flow

Bsb bancorp, inc. (BLMT)

CashFlow / TTM

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
22,909	20,414	18,786	16,730	14,386	15,588	14,168	13,108	11,981	10,740	9,428	8,079	6,914	6,212	5,547	4,985	4,291	3,569	2,904	2,224	1,960	1,800	1,445	1,370	1,401	-421	-309	-783	299	0	0	0	0
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of securities, net
-784	-846	-879	-836	-843	-867	-858	-865	-833	-788	-779	-749	-732	-683	-662	-633	-606	-542	-513	-542	-608	-770	-830	-991	-965	-973	-1,036	-980	-1,101	0	0	0	0
Gain on sales of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2,790	0	0	0	-
Net gain on sales of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-
Increase in trading securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Gain on sales of loans, net
756	965	925	1,240	936	693	451	219	271	207	230	415	395	537	593	464	486	384	449	735	1,024	1,982	2,005	2,293	2,520	1,660	1,560	970	462	0	0	0	0
Loans originated for sale
19,480	18,191	9,751	5,475	5,439	6,889	7,547	9,405	10,134	9,302	8,692	12,841	13,678	0	0	0	-	-	-	-	87,892	158,673	119,495	138,072	161,794	112,711	139,709	93,669	50,377	0	0	0	0
Proceeds from sales of loans
54,502	65,155	68,677	92,298	71,473	55,455	31,475	9,624	11,649	8,607	8,920	23,370	22,943	31,529	34,732	29,771	34,014	19,020	42,421	75,048	98,773	163,349	114,341	161,663	197,341	141,348	170,418	93,200	38,737	0	0	0	0
Provision for loan losses
1,657	1,884	2,227	2,207	2,762	2,672	2,581	2,615	2,385	2,670	2,953	2,578	2,317	1,994	1,560	1,502	1,552	1,621	1,767	1,559	1,498	0	0	0	-	-	-	-	-	-	-	-	-
Provision for loan losses
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2,787	2,373	2,290	2,285	0	0	0	0
Change in unamortized mortgage premium
44	-1,023	-1,859	-1,992	-2,388	-1,835	-2,238	-1,819	-1,928	-2,253	-2,378	-2,467	-1,796	-1,488	-880	-1,071	-1,045	-904	-804	-530	-883	-699	-635	-631	-198	-694	-477	-415	-420	0	0	0	0
Change in net deferred loan costs
59	15	24	-50	-196	-396	-511	-906	-1,041	-1,041	-1,204	-765	-405	237	910	944	1,533	1,380	1,147	1,163	758	377	508	487	236	466	575	1,105	1,961	0	0	0	-
ESOP expense
484	487	467	452	444	427	406	383	360	346	337	332	321	308	296	277	268	251	237	223	209	201	197	192	185	0	0	0	-	-	-	-	-
Depreciation and amortization expense
590	579	576	583	595	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Depreciation and amortization expense
-	-	-	-	-	-	-	-	-	0	0	692	-	750	759	756	761	770	765	740	716	675	620	570	517	476	464	456	447	0	0	0	0
Impairment of fixed assets
3	2	2	2	18	0	0	0	-	-	-	-	-	-	-	-	3	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-
Deferred income tax (benefit) expense
-492	2,805	2,096	2,500	2,535	-944	-658	-1,746	-1,741	-1,654	-1,535	-1,035	-1,021	-849	-712	-445	-608	-729	-1,006	-824	-961	0	0	0	-	-	-	-	-551	0	0	0	0
Gain on sale of fixed assets
11	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Increase in bank-owned life insurance
1,478	1,089	1,103	1,136	1,120	1,122	1,126	1,069	1,050	1,019	974	940	893	843	749	646	559	0	0	0	-	-	-	-	-	-	-	-	435	0	0	0	0
Change in net deferred loan costs
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Stock based compensation expense
1,405	1,662	2,069	2,454	2,559	2,359	2,029	1,707	1,649	1,662	1,662	1,663	1,660	1,663	1,668	1,672	1,753	1,741	1,741	1,725	1,647	0	0	0	-	-	-	-	-	-	-	-	-
Excess tax benefit from stock-based compensation
-	-	-	-	-	-	-	-	329	219	225	226	215	150	142	108	109	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-
Increase in bank-owned life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	0	-	-	-	-	-
Bank-owned life insurance death benefit income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Net change in:
Accrued interest receivable
946	1,955	1,835	1,229	1,709	1,449	764	669	854	654	1,108	1,123	804	793	674	634	736	639	336	255	24	-270	111	115	32	386	-124	99	64	0	0	0	0
Other assets
3,864	1,282	2,024	2,449	807	482	805	-112	-400	219	165	327	1,027	20	237	48	43	-6	-36	1,733	1,723	1,860	1,218	-82	123	-1,208	-227	-158	-523	0	0	0	0
Income taxes receivable
-4	263	-557	331	-370	0	0	0	-	-	-	-	321	150	-1,430	-462	-321	-151	1,326	515	806	357	-227	-474	-806	777	591	1,150	908	0	0	0	-
Income taxes payable
-	-	-	0	-	-	-	-	145	0	0	0	-	-	-	-	-69	0	0	0	-	-	-	-	-121	0	0	0	-	-	-	-	0
Accrued interest payable
456	480	711	433	571	421	277	66	30	-12	25	-31	32	103	231	345	278	297	182	205	228	255	290	311	278	224	129	19	-46	0	0	0	0
Deferred compensation liability
465	760	768	794	876	592	563	436	609	927	709	805	683	678	804	764	614	401	463	400	452	573	537	508	512	539	419	381	233	0	0	0	0
Other liabilities
2,866	5,756	1,102	-1,267	574	182	1,212	3,678	-2,216	-1,201	-1,877	-828	446	1,529	1,948	-1,166	1,088	784	-864	4,145	3,875	2,561	2,639	1,942	1,378	1,128	1,571	-213	451	0	0	0	0
Maturities of interest-bearing time deposits with other banks
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Net cash provided by operating activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	33,081	34,848	1,062	-10,163	0	0	0	0
Cash flows from investing activities:
Net cash provided by operating activities
-	-	-	106,553	-	-	-	17,344	-	10,054	9,823	20,350	18,085	25,215	26,793	14,221	20,948	14,937	17,732	21,632	17,252	0	0	0	-	-	-	-	-	-	-	-	-
Maturities of interest-bearing time deposits with other banks
3,340	2,440	725	480	234	134	134	134	131	0	0	0	-	-	-	-	119	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of interest-bearing time deposits with other banks
5,129	5,229	2,905	2,705	2,440	2,440	235	235	234	0	0	0	-	-	-	-	131	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of interest-bearing time deposits with other banks
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Purchases of available-for-sale securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	709	0	0	0	-
Proceeds from sales of available-for-sale securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	17,985	0	0	0	-	-	-	0	15,650	0	0	0	-
Proceeds from maturities of available-for-sale securities
12,750	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from maturities, payments, and calls of held-to-maturity securities
38,558	39,789	39,612	34,150	28,362	28,373	27,404	27,351	25,976	24,123	23,441	22,088	21,459	20,085	20,120	19,211	20,330	21,411	21,951	25,236	25,585	30,051	28,472	27,301	38,350	31,675	34,374	44,487	43,059	0	0	0	0
Purchases of held-to-maturity securities
27,214	52,259	53,550	56,463	59,022	33,970	31,370	26,945	19,812	23,992	32,684	38,956	40,708	34,342	25,829	14,852	19,616	22,137	73,366	84,948	81,891	0	0	0	-	-	-	-	39,650	0	0	0	0
Redemption of Federal Home Loan Bank stock
-22,020	0	0	0	-	-	-	-	-3,014	0	0	0	-	-	-	-	-	-	-	-	-496	-496	-496	-496	-411	0	0	0	-	-	-	-	-
Purchases of Federal Home Loan Bank stock
28,296	26,320	19,709	10,144	11,078	9,383	11,020	11,329	9,776	8,941	7,982	6,208	4,597	3,662	4,945	5,389	6,405	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-
Recoveries of loans previously charged off
17	16	19	30	24	52	65	55	61	39	255	258	261	261	37	37	29	36	107	114	155	183	212	237	197	0	0	0	-	-	-	-	-
Loan originations and principal collections, net
91,532	64,782	119,926	57,219	57,732	72,988	-4,902	-3,534	-16,997	5,848	59,531	65,965	79,445	93,584	120,876	134,588	184,634	162,767	134,411	89,914	54,098	0	0	0	-	-	-	-	-	-	-	-	-
Loan originations and principal collections, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-
Recoveries of loans previously charged off
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Loan originations and principal collections, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Purchases of loans
274,709	385,657	414,276	424,036	438,883	361,649	407,587	354,560	350,653	355,369	342,056	351,121	288,928	257,857	201,501	177,117	169,512	144,273	136,847	140,917	129,284	124,429	100,356	93,229	99,972	122,927	102,193	69,287	47,090	0	0	0	0
Proceeds from sales of fixed assets
25	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Capital expenditures
530	586	594	571	512	506	422	363	335	362	330	400	323	311	402	395	503	672	943	1,270	1,182	1,110	1,300	1,313	1,419	1,368	900	579	508	0	0	0	0
Net cash used in investing activities
-	-	-	-498,854	-	-	-	-365,029	-	-372,616	-421,152	-443,135	-395,784	-374,414	-347,995	-322,687	-369,922	-323,881	-331,782	-304,396	-240,238	0	0	0	-	-	-	-	-	-	-	-	-
Insurance proceeds received - equipment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Premiums paid on bank-owned life insurance
-	-	-	-	5	5	6	5,006	5,005	0	0	0	-	-	-	-	10,004	10,005	6	6	6	6	5	25	25	25	25	23	31	0	0	0	-
Net cash used in investing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-253,325	-204,445	-164,284	-155,141	0	0	0	0
Cash flows from financing activities:
Net (decrease) increase in demand deposits, interest-bearing checking and savings accounts
-44,892	17,111	54,868	113,712	112,716	161,813	121,734	137,231	122,737	151,575	185,874	271,910	252,735	218,543	178,449	127,043	139,779	132,400	134,761	159,447	132,017	234,558	166,515	134,987	174,744	0	0	0	-	-	-	-	-
Net increase in demand deposits, NOW and savings accounts
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	0
Net increase in time deposits
254,553	216,454	168,180	193,438	169,113	126,855	104,456	73,355	77,166	65,949	48,994	40,374	32,222	57,445	79,417	88,230	80,030	73,181	61,709	51,626	24,871	-86,181	-8,751	-11,882	2,467	89,683	1,640	-9,866	-4,669	0	0	0	0
Proceeds from long-term Federal Home Loan Bank advances
105,000	120,000	120,000	145,000	125,000	155,000	190,000	163,750	211,250	222,750	185,250	131,500	84,000	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	46,100	0	0	0	0
Principal payments on long-term Federal Home Loan Bank advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	0	-	-	23,000	26,000	29,500	33,000	39,500	51,300	53,300	0	0	0	0
Net change in short-term Federal Home Loan Bank advances
77,100	147,000	273,000	70,000	174,300	0	0	0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Payment to counterparty for interest rate cap contract
-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net change in short-term advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	2,000	6,000	-11,500	-2,500	10,000	0	0	0	0
Net (decrease) increase in securities sold under agreements to repurchase
-385	393	969	1,513	1,283	-1,911	1,259	-17	-1,710	1,386	-689	610	2,303	928	588	-775	-735	-1,094	-1,303	-1,053	-1,277	-641	-59	150	419	-63	404	224	331	0	0	0	0
Repayment of principal on other borrowed funds
-	-	-	-	-	-	-	-	-	-	-	-	47	46	46	46	46	46	45	44	43	339	341	344	346	102	101	100	3,697	0	0	0	0
Proceeds from exercise of stock options, net of cash paid
537	208	430	389	56	616	345	460	298	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Payment of income taxes for shares withheld in stock based award activity
274	149	149	147	323	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in mortgagors' escrow accounts
1,648	1,795	2,277	1,548	1,349	1,369	1,614	1,467	926	831	991	1,157	688	617	123	131	560	613	619	397	195	192	81	282	416	0	0	0	-	-	-	-	-
Payments to repurchase stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6,478	0	0	0	-	-	-	-	-	-	-	-	-
Excess tax benefit from stock-based compensation
-	-	-	-	-	-	-	-	329	219	225	226	215	150	142	108	109	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by financing activities
-	-	-	438,928	-	-	-	351,988	-	369,732	417,668	437,841	377,193	346,307	319,819	292,693	362,699	305,620	307,805	320,382	208,316	0	0	0	-	-	-	-	-	-	-	-	-
Net increase (decrease) in mortgagors' escrow accounts
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	0
Net cash provided by financing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	130,129	207,037	188,161	167,132	0	0	0	0
Net increase (decrease) in cash and cash equivalents
32,490	57,175	51,661	46,627	52,012	26,676	-1,802	4,303	7,615	7,170	6,339	15,056	-506	-2,892	-1,383	-15,773	13,725	-3,324	-6,245	37,618	-14,670	15,743	455	-40,898	29,917	-90,115	37,440	24,939	1,828	0	0	0	0
Supplemental disclosures:
Interest paid
-	-	-	23,657	-	-	-	15,252	-	13,187	12,014	11,089	10,162	9,298	8,502	7,572	6,773	6,001	5,444	4,984	4,759	4,709	4,753	4,798	4,855	4,857	4,992	5,333	5,691	0	0	0	0
Income taxes paid
9,020	9,429	9,019	7,462	8,977	8,412	9,364	11,130	9,446	8,852	6,934	4,506	4,624	4,501	4,194	3,921	3,557	2,706	2,142	1,382	988	1,264	1,235	991	1,387	0	0	0	-	-	-	-	-
Income taxes paid
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Transfer of loans receivable to loans held for sale
37,168	50,651	60,873	58,798	63,913	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-
Derecognition of loans and related recourse obligation in other borrowings
-	-	-	-	-	-	-	-	1,020	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Transfer from bank-owned life insurance to other assets (death benefit settlement)
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0