C & f financial corp (CFFI)
CashFlow / TTM
Mar'20Dec'19Sep'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
Operating activities:
Net income

18,718

18,850

18,455

18,671

17,899

18,020

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net income

-

-

-

-

-

-

-

-

-

-

12,969

13,139

13,706

13,459

12,684

12,974

12,369

12,530

12,640

12,455

12,097

12,344

12,821

12,895

13,330

14,444

15,438

16,605

16,608

16,382

15,905

14,885

13,787

12,976

0

0

0

Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Depreciation

3,605

3,636

3,597

3,513

3,386

3,220

3,082

2,952

2,867

2,771

2,767

2,743

2,699

2,666

2,543

2,449

2,479

2,511

2,568

2,615

2,708

2,739

2,747

2,682

2,471

2,349

2,254

2,279

2,272

2,270

2,258

2,215

2,166

2,121

0

0

0

Provision for loan losses

8,770

8,515

9,311

9,911

10,101

11,006

12,200

14,235

15,335

16,435

16,850

17,340

17,840

18,040

18,825

18,042

16,597

15,512

15,227

15,225

16,335

16,330

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Provision for indemnifications

-

-

-

-

-

-

-

0

186

-

187

238

274

290

305

275

268

274

270

270

252

240

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Provision for loan losses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

12,425

13,535

14,065

14,160

0

0

0

Provision for indemnifications

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

1,210

856

701

807

0

0

0

Provision for other real estate owned losses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-1,000

-850

-950

-911

0

0

0

Share-based compensation

1,398

1,466

1,462

1,472

1,483

1,345

1,332

1,337

1,367

1,451

1,379

1,357

1,316

1,218

1,366

1,270

1,272

1,231

1,170

1,201

1,136

1,104

1,002

933

835

743

655

613

586

566

509

505

408

395

0

0

0

Pension expense

680

649

575

503

409

403

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Pension contribution

-

-

-

-

-

-3,000

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Accretion of certain acquisition-related discounts, net

3,765

2,871

2,884

3,306

2,505

3,034

2,716

2,086

2,275

1,706

3,223

3,344

3,119

3,106

1,558

1,366

1,492

1,918

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Amortization of intangible assets

235

230

281

339

395

451

509

643

770

676

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net realized gains on sales, maturities and calls of securities available for sale

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net realized gains on maturities and calls of securities available for sale

-

-

-

-

-

10

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net accretion of acquisition-related fair value adjustments

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

Accretion of discounts and amortization of premiums on securities, net

-1,494

-1,534

-1,611

-1,699

-1,748

-1,783

-1,789

-1,756

-1,714

-1,676

-1,455

-1,415

-1,440

-1,456

-1,626

-1,660

-1,602

-1,551

-1,493

-1,524

-1,445

-1,406

-1,390

-1,106

-969

-812

-680

-700

-716

-731

-725

-736

-750

-758

0

0

0

Realized gains on calls of securities

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Realized gains on sales and calls of securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

29

-

0

0

0

-

-

-

-

276

0

0

0

-

-

-

-

13

0

0

0

Net realized gains on sales of other real estate owned

-

-

-

-

-

-

-

-

-

-

34

32

114

134

0

0

0

-

-

-

-

354

322

330

332

218

87

167

59

39

24

65

53

57

0

0

0

Net realized losses (gains) on sale of corporate premises and equipment

-

-

-

-

-

-

-

0

0

-

-

-

-

246

172

202

69

26

74

65

51

96

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Income from bank-owned life insurance

731

711

426

428

426

424

428

429

430

433

426

431

925

927

945

943

452

454

504

484

502

497

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sales of loans held for sale

984,689

903,968

788,791

710,162

705,079

720,250

738,421

743,558

758,192

750,110

771,354

766,825

703,924

674,410

595,956

562,807

559,783

539,902

536,870

512,621

495,920

491,327

524,874

584,616

660,009

765,676

842,176

877,936

871,034

845,167

766,492

686,652

630,065

613,529

0

0

0

Origination of loans held for sale

1,056,164

941,001

824,111

736,967

693,830

699,028

726,655

742,514

747,586

744,780

745,785

744,178

711,442

674,317

610,649

551,941

537,311

549,287

538,956

538,568

503,205

478,641

493,382

548,604

634,550

721,340

812,323

850,385

845,018

840,140

808,187

723,333

665,657

616,438

0

0

0

Gains on sales of loans held for sale

12,143

10,603

9,738

8,285

7,738

7,841

8,234

8,638

8,849

8,553

8,257

8,400

8,333

8,120

8,114

6,971

6,421

6,336

5,886

5,918

5,562

5,086

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Other (gains) and losses, net

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Change in other assets and liabilities:
Accrued interest receivable

-444

-660

-669

-23

78

-153

249

367

424

328

554

-115

58

432

-103

346

628

408

411

399

53

61

-386

-310

-560

-333

15

185

342

431

444

240

134

169

0

0

0

Other assets

-1,084

-137

1,923

-3,263

-7,271

-3,936

872

3,040

4,126

3,807

-4,216

322

289

1,558

8,561

2,943

2,296

2,429

-2,178

-1,122

-208

1,283

2,983

1,412

1,784

-442

386

2,468

-298

1,172

559

-907

427

-107

0

0

0

Accrued interest payable

82

371

347

394

321

82

110

157

137

135

134

14

-17

5

-15

4

-5

-42

-104

-100

-100

-103

-894

-890

-878

-905

-147

-188

-310

-274

-199

-171

-62

-49

0

0

0

Other liabilities

-98

-320

157

521

-4,789

-672

549

1,524

1,183

-3,097

-2,416

-2,634

1,175

3,803

5,324

3,542

280

1,524

-3,684

-1,062

-4,406

-4,470

-3,445

-10,707

-6,897

-8,455

-7,257

2,315

-3,687

18

7,435

450

2,772

396

0

0

0

Net cash (used in) provided by operating activities

-51,109

-15,164

-13,245

1,975

39,180

47,122

36,319

24,746

31,363

25,775

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-2,919

-3,681

-2,124

27,992

0

0

0

Net cash provided by operating activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

47,155

-

22,380

-126

15,348

34,177

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Investing activities:
Acquisition of Peoples Bankshares, Incorporated

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Disposition of assets related to business combination

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sales, maturities and calls of securities available for sale and payments on mortgage-backed securities

98,989

75,583

71,393

62,304

53,989

51,067

42,827

42,434

42,887

41,520

43,019

47,313

56,501

57,355

60,344

51,089

40,118

36,450

31,198

34,006

30,628

38,660

93,739

85,629

88,848

79,441

23,332

28,383

33,477

34,100

37,664

36,861

32,075

31,098

0

0

0

Purchases of securities available for sale

104,624

48,216

41,118

38,541

44,510

51,322

58,798

58,094

54,088

53,461

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repayments on loans held for investment by non-bank affiliates

124,989

123,140

122,398

122,324

119,492

117,014

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net (purchases) proceeds from sale of restricted stock

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchases of securities available for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

46,139

43,462

37,640

37,211

32,411

36,395

36,182

36,246

43,502

33,556

35,225

33,823

37,289

40,472

39,765

40,906

34,689

34,377

35,212

39,914

0

0

0

Net purchases of restricted stocks

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net purchases of restricted stocks

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-58

97

345

345

345

894

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Purchases of loans held for investment by non-bank affiliates

141,828

149,377

146,986

146,048

138,452

133,484

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Redemption of restricted stocks

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

Net increase in retail banking loans held for investment

27,547

31,886

35,316

44,088

37,856

27,720

4,451

31,884

30,742

39,659

36,477

24,509

64,227

83,870

111,594

114,742

82,458

65,639

48,161

34,290

39,885

30,288

11,931

21,256

10,126

13,030

20,616

20,554

31,820

39,570

37,294

29,066

34,399

29,440

0

0

0

Other real estate owned improvements

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

205

0

0

0

-

0

0

0

Proceeds from sales of other real estate owned

0

-

-

-

-

-

-

-

-

245

544

694

1,249

1,384

1,086

1,179

820

706

320

440

1,945

4,382

0

0

0

-

-

-

-

-

-

-

-

-

0

0

0

Proceeds from sales of other real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

0

0

0

-

-

-

-

Purchases of corporate premises and equipment

3,501

2,706

2,928

3,157

3,506

3,374

4,223

4,778

4,232

4,180

3,380

2,913

2,719

2,708

2,540

2,133

2,061

1,808

1,212

1,157

1,669

1,815

2,128

2,975

2,787

3,654

3,165

2,128

1,927

891

1,117

1,319

1,586

1,840

0

0

0

Change in collateral posted with other financial institutions, net

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other investing activities, net

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash used in investing activities

-34,307

-35,929

-31,945

-46,336

-52,859

-47,523

-42,516

-69,001

-54,112

-59,912

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-33,187

-23,958

-32,978

-31,175

0

0

0

Net cash used in investing activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-97,537

-

-66,179

-53,309

-44,818

-24,413

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Financing activities:
Net increase (decrease) in demand and savings deposits

57,782

34,093

24,023

-28,673

-7,692

11,625

13,335

62,788

44,882

47,970

55,644

35,692

48,363

41,605

39,653

48,836

46,347

74,307

69,291

35,085

57,502

51,185

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net increase in demand, interest-bearing demand and savings deposits

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

46,490

42,546

28,238

23,025

0

0

0

Net increase in time deposits

52,651

75,496

66,102

45,451

23,793

-1,393

2,499

2,444

8,687

3,538

-2,151

14,048

9,073

4,683

7,678

-13,205

-23,048

-26,450

-28,332

-31,129

-31,736

-32,258

-36,247

-27,855

-18,828

-14,002

-15,638

-11,327

-25,790

-21,334

-19,644

-10,944

2,308

-1,743

0

0

0

Net increase in short-term borrowings

1,367

1,444

1,829

-1,986

-2,718

-5,705

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repayments of long-term borrowings

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net (decrease) increase in borrowings

-

-

-

-

-

-

-

-

-

-

-

0

-7,977

-

-11,784

-10,639

8,007

10,198

8,402

12,013

-7,916

-2,844

-43,328

-44,102

-40,230

-39,465

-3,718

-8,852

8,814

1,595

11,554

14,499

-439

-2,989

0

0

0

Repurchase of common stock warrant

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net proceeds from issuance of common stock

-

-

-

-

-

-

0

0

146

-

-89

150

149

149

384

142

139

135

135

134

132

133

0

0

0

-

-

-

-

200

16

-20

83

41

0

0

0

Repurchases of common stock

-

-

-

-

-

-

-

-

-

-

-

-

463

-

363

350

373

1,687

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from exercise of stock options

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

4,301

2,722

1,471

1,067

1,309

0

0

0

-

-

-

0

Cash dividends paid

5,231

5,131

5,119

5,114

5,029

4,931

4,829

4,718

4,677

4,637

4,599

4,555

4,510

4,464

4,410

4,320

4,234

4,148

4,075

4,078

4,080

4,050

4,008

3,954

3,885

3,845

3,806

3,711

3,673

3,682

3,688

3,825

3,944

4,018

0

0

0

Other financing activities, net

-3

-4

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by financing activities

95,974

101,513

81,835

3,273

3,082

-4,009

4,877

61,101

50,259

50,359

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

26,221

23,451

17,199

5,010

0

0

0

Net (decrease) increase in cash and cash equivalents

10,558

50,420

36,645

-41,088

-10,597

-4,410

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by (used in) financing activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

28,141

-

43,885

10,396

9,999

9,713

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net (decrease) increase in cash and cash equivalents

-

-

-

-

-

-

-

-

-

-

-

26,388

-30,656

-49,742

-56,420

-46,806

-22,241

-14,673

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net (decrease) increase in cash and cash equivalents

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

30,583

48,901

44,300

14,113

-9,885

-4,188

-17,903

1,827

0

0

0

Supplemental cash flow disclosures:
Interest paid

15,276

14,150

13,326

12,312

11,398

10,909

10,392

10,033

9,734

9,430

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest paid

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

8,973

-

9,176

9,315

9,756

9,710

23,241

18,751

13,949

9,528

12,059

11,676

11,040

10,385

-28,969

-23,549

-11,718

-11,930

0

0

0

Income taxes paid

2,291

2,296

1,651

605

821

821

707

3,005

5,127

5,133

4,785

3,971

2,312

2,311

2,252

1,451

481

560

1,628

1,875

3,641

3,577

13,443

11,061

6,522

5,986

10,427

10,833

8,669

8,949

-19,149

-16,134

-6,799

-6,955

0

0

0

Supplemental disclosure of noncash investing and financing activities
Value of shares withheld at vesting for employee taxes

541

532

474

447

450

432

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Unrealized losses on securities available for sale

-

-

-

-

-

-

-

-

-

-

-4,123

-5,069

-4,616

-3,238

-57

2,578

-929

-2,090

520

-325

4,412

7,059

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Transfers from loans to other real estate owned

-

-

-

-

-

-

-

-

-

-

208

432

432

618

-2,372

-1,090

1,168

824

3,039

2,288

2,190

1,960

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Liabilities assumed to acquire right of use assets under operating leases

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Issuance of noncontrolling interest

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Pension adjustment

-

-

-

-

-

-

-

-

-

-

-

-

-189

-

-675

-713

-751

-789

-2,134

-2,164

-2,140

-2,116

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Unrealized gains on cash flow hedging instruments

-

-

-

-

-

-

-

-

-

-

-

-

722

-

-69

-762

-462

-72

-343

159

39

227

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Unrealized (losses) gains on securities available for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

0

0

0

-

-

-

-

Loans transferred to other real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-8,526

-9,099

-1,962

-5,040

0

0

0

Pension adjustment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

0

0

0

-

-

-

-

Pension adjustment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Unrealized gain on cash flow hedging instrument

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-21

-258

-452

-368

0

0

0