COMMUNITY WEST BANCSHARES / CWBC Cash Flow

Community west bancshares / (CWBC)

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
8,051	7,963	6,603	6,818	7,105	7,409	6,499	5,684	5,373	4,915	5,806	5,733	5,302	5,229	5,740	5,850	2,383	2,870	3,205	3,326	7,374	7,046	7,996	8,919	9,339	8,986	8,182	6,160	3,443	3,173	-7,712	-10,632	-10,261	-10,485	0	0	0
Adjustments to reconcile net income to cash provided by operating activities:
(Credit) provision for loan losses
284	-165	283	161	101	14	-236	120	123	411	539	402	343	-48	-441	-908	-1,553	-2,274	-3,572	-4,305	-4,732	-5,135	-2,661	-3,046	-3,119	-1,944	-3,738	-882	2,102	4,281	11,116	14,334	15,591	14,591	0	0	0
Depreciation
859	864	862	842	810	764	718	687	689	685	711	705	692	678	595	536	457	399	376	355	340	324	312	308	301	300	0	0	0	-	-	-	-	-	-	-	-
Deferred income taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0
Stock-based compensation
372	382	476	467	457	478	367	569	569	537	531	345	342	338	340	316	450	412	371	327	139	308	286	269	255	59	133	130	124	117	38	37	34	33	0	0	0
Deferred income taxes
314	328	229	648	153	529	-776	-334	-347	-528	819	85	582	409	367	225	114	21	-1,845	-1,675	-1,647	-1,222	-542	-847	-981	-1,123	0	0	0	-	-	-	-	-	-	-	-
Depreciation and amortization
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0
Deferred income taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-
Net accretion of discounts and premiums for investment securities
-116	-107	-120	-93	-91	-100	-85	-117	-104	-80	-65	253	69	82	23	-246	-55	12	-11	19	26	-51	39	9	3	8	-4	13	14	17	34	30	44	60	0	0	0
(Gains) Losses on:
Sale of loans, net
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Sale of repossessed assets, net
-	-	-	-	-	-62	-62	-10	121	150	148	89	-15	-16	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	0	0
Sales of investment securities, AFS
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	121	121	121	121	0	0	0	0
Sale of repossessed assets, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	140	-62	-327	-388	0	0	0	-	-	-	-	-	-	-	-
Sale of loans, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	132	119	200	157	186	177	182	265	361	473	777	724	1,660	1,620	1,358	1,385	370	0	0	0
Sale of assets, net
0	-	-	-	0	-	-	-	0	-	-	-	-	-	-	-	-	-32	-32	-32	-39	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Loans originated for sale and principal collections, net
-7,537	-6,309	-6,128	-7,439	-5,772	-6,739	-7,670	-8,100	-7,097	-6,375	-3,820	847	-2,086	-3,072	-3,159	-5,423	-1,923	-2,403	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loans originated for sale and principal collections, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	2,468	385	-1,121	-4,752	-3,598	-1,769	1,178	1,920	0	0	0
Changes in:
Investment securities held at fair value
0	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Investment securities held at fair value
-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other assets
-1,127	-1,641	-270	2,440	2,247	2,210	3,124	2,065	1,520	1,882	140	-345	784	551	184	-391	-1,939	-1,986	425	-4,096	-4,174	-4,407	1,340	6,003	3,919	2,588	-12,868	-11,894	-10,124	-8,117	287	2,678	3,051	4,957	0	0	0
Other liabilities
-1,626	-1,366	506	2,157	2,988	3,416	2,951	2,665	2,521	2,719	2,115	948	897	-431	1,081	1,602	-335	1,283	-430	-1,035	926	814	610	770	905	224	-535	340	77	-316	274	-819	-1,494	-1,418	0	0	0
Servicing assets, net
-877	-745	31	38	40	78	91	81	118	78	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Servicing assets, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	64	-	73	143	133	197	198	144	197	163	148	64	174	-106	0	0	0	-	-	-	0
Net cash provided by operating activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5,175	-	3,071	9,339	11,745	6,439	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sale of available-for-sale securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4,137	4,137	4,137	4,137	0	0	0	0
Net cash provided by operating activities
14,687	13,937	15,014	14,926	15,001	16,321	15,818	16,226	15,229	14,243	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	5,332	5,804	9,223	8,040	0	0	0
Cash flows from investing activities:
Principal pay downs and maturities of available-for-sale securities
6,240	5,686	3,860	3,208	3,186	3,436	3,587	3,716	3,471	3,256	3,562	7,159	10,942	10,730	13,829	9,872	5,837	9,981	8,124	8,070	8,069	3,927	2,147	2,665	3,512	4,890	6,174	9,499	9,764	9,439	14,406	8,102	8,082	9,029	0	0	0
Purchase of available-for-sale securities
-	-	-	-	-	-	-	-	-	9,413	11,383	13,751	8,998	9,810	11,794	9,426	11,420	11,370	9,416	11,517	10,589	7,132	8,953	8,825	11,754	11,854	10,031	8,058	4,063	1,998	2,497	4,908	6,907	9,269	0	0	0
Redemptions of Federal Home Loan Bank stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0
Principal pay downs and maturities of held-to-maturity securities
1,311	1,151	825	830	813	1,040	1,486	1,476	1,483	1,413	1,007	1,090	983	709	716	729	1,004	1,407	1,280	1,552	1,426	1,190	1,556	1,781	2,221	2,327	2,641	2,139	2,589	3,264	140	3,465	2,865	2,934	0	0	0
Loan originations and principal collections, net
21,784	16,074	42,956	36,417	30,047	40,290	38,393	74,841	84,207	110,069	124,669	120,120	123,383	90,183	71,673	57,881	55,136	49,896	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of restricted stock, net
256	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in interest-bearing deposits in other financial institutions
-	-	-	-	-	-	-	-	-	-	-	-	-	99	-1	-1	-1	0	0	0	0	-	-	-	-	3,554	501	769	1,759	-3,413	-3,543	-3,840	-5,006	50	0	0	0
Loan originations and principal collections, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	10,370	21,571	52,568	78,317	0	0	0	-	-	-	-
(Purchase) liquidation of restricted stock, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-
Purchase of premises and equipment, net
2,166	2,145	2,498	2,868	1,305	1,564	1,793	1,780	1,804	2,335	2,455	2,700	2,370	1,616	1,027	465	345	371	386	377	455	394	305	249	160	215	174	326	319	284	413	339	473	549	0	0	0
Loan originations and principal collections, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Proceeds from sale of other real estate owned and repossessed assets, net
-	-	-	-	-	484	597	444	523	416	356	411	364	395	372	543	636	538	2,169	2,173	4,860	5,213	4,375	4,520	2,234	3,774	3,755	4,211	7,951	8,985	7,816	10,707	7,005	4,862	0	0	0
Net cash used in investing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-59,595	-	-34,257	-30,350	-8,716	-16,782	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net cash used in investing activities
-15,811	-10,538	-40,018	-35,828	-28,244	-38,055	-35,677	-71,352	-85,564	-117,009	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	94,914	74,607	49,358	30,799	0	0	0
Cash flows from financing activities:
Net (decrease) increase in deposits
-23,130	34,928	41,730	62,508	24,692	16,322	22,788	32,323	69,907	87,448	106,553	105,096	94,055	67,898	63,815	64,587	50,405	67,254	42,036	28,303	49,145	40,949	53,659	37,423	12,506	1,915	0	0	0	-	-	-	-	-	-	-	-
Net increase (decrease) in borrowings
62,250	-10,000	-5,000	-35,843	-24,093	18,157	-5,843	40,043	37,843	27,843	50,343	31,300	28,500	18,500	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repayments on borrowings
-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase (decrease) in borrowings
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-13,000	2,000	-25,000	-20,034	-16,034	-16,034	-4,034	-4,000	0	0	0	-	-	-	-	-	-	-	-
Amortization of discount on preferred stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Exercise of stock options
227	270	351	386	516	551	575	511	526	492	354	380	249	220	224	142	27	14	5	44	55	54	55	20	8	24	37	33	33	16	0	6	6	25	0	0	0
Cash dividends paid on common stock
1,863	1,821	1,784	1,732	1,677	1,581	1,480	1,393	1,309	1,264	1,219	1,176	1,133	1,096	1,059	1,022	984	902	820	738	492	328	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Common stock repurchase
101	1,030	1,699	1,598	1,598	669	0	0	0	-	-	-	-	1,338	1,344	1,008	782	28	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Redemption of preferred stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6,885	2,078	2,078	9,427	8,427	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Cash dividends paid on preferred stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	524	585	635	913	2,390	2,222	2,047	1,630	0	0	0	0	195	390	585	713	780	0	0	0
Net cash provided by financing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	47,910	-	25,537	26,896	13,368	9,824	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net decrease in cash and cash equivalents
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-6,510	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net (decrease) increase in demand deposits and savings accounts
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0
Net increase (decrease) in time certificates of deposit
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0
Repayment of Federal Home Loan Bank advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0
Net cash provided (used) by financing activities
37,383	22,347	33,598	23,721	-2,160	32,780	16,040	71,484	108,967	114,519	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-78,960	-59,402	-30,593	-22,386	0	0	0
Net increase cash and cash equivalents
36,259	25,746	8,594	2,819	-15,403	11,046	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net (decrease) increase in cash and cash equivalents
-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	0	-	10,157	5,527	-7,563	5,212	21,286	21,009	27,988	16,453	0	0	0
Supplemental disclosure:
Cash paid during the period for [Abstract]
Interest
11,288	11,675	12,452	10,490	10,623	8,321	6,825	6,070	3,686	4,357	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2,432	-	2,640	2,831	3,222	3,323	3,681	3,857	4,310	4,567	4,871	5,202	5,435	6,103	6,626	7,329	7,511	8,319	0	0	0
Income taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	5,250	4,225	3,625	1,975	675	1,450	2,386	3,101	3,101	3,020	2,546	1,181	1,181	660	198	294	910	712	861	1,742	1,941	0	0	0
Non-cash investing and financing activity:
Transfers to other assets acquired through foreclosure, net
3,507	3,401	1,177	1,175	73	174	173	204	490	501	639	555	348	350	278	439	500	609	1,600	1,528	1,804	1,984	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Operating lease right-of-use asset
-1,160	7,190	7,190	7,190	8,350	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Amount of increase in lease obligation from new operating lease.
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating lease liability
-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Transfers to other assets acquired through foreclosure, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-
Transfers to foreclosed real estate and repossessed assets
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0
Preferred stock dividends declared, not paid
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	780	781	779	779	584	0	0	0	-	-	-	-
Conversion of debentures
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,408	1,408	1,633	7,701	6,410	0	0	0	-	-	-	-	-	-	-	-