CITIZENS FIRST CORP CZFC Cash Flow

Citizens first corp (CZFC)

CashFlow / TTM

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
Operating Activities
Net income
4,854	4,819	4,608	4,532	4,266	4,089	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net income
-	-	-	-	-	-	-	-	-	-	-	3,905	3,730	3,607	3,343	3,498	3,332	3,241	3,056	2,359	2,414	1,838	1,833	2,542	2,480	3,173	2,871	2,699	2,701	2,609	0	0	0
Items not requiring (providing) cash:
Depreciation
382	387	392	401	418	438	458	482	502	522	538	549	554	551	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Depreciation and amortization
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	551	564	588	610	621	621	622	628	632	662	677	697	727	0	0	0
Provision for loan losses
-	160	0	0	0	-	-	0	0	-	-	-	-	135	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Provision for loan losses
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,525	2,650	2,780	2,180	2,580	1,700	2,320	2,320	2,170	2,025	0	0	0
Amortization of premiums and discounts on securities
198	204	213	211	205	215	243	260	285	310	320	314	321	326	325	339	325	307	287	286	311	329	352	396	349	346	330	260	263	230	0	0	0
Amortization of core deposit intangible
-	-	-	-	-	-	0	0	0	-	71	71	71	71	134	198	263	329	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of core deposit intangible
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	337	342	345	349	354	330	308	285	0	0	0
Deferred income taxes
0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Deferred income taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	1,056	754	442	1,251	877	1,529	602	277	260	101	176	0	0	0
Stock based compensation
84	171	150	150	158	148	113	103	94	84	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
BOLI Income
180	177	177	176	177	177	176	177	176	177	178	178	180	181	183	185	186	188	190	196	205	219	235	248	258	263	267	270	272	273	0	0	0
Proceeds from sale of mortgage loans held for sale
17,120	15,909	14,840	12,943	14,634	15,581	16,591	18,962	17,932	18,277	16,549	13,036	12,871	10,853	9,331	9,317	7,657	7,048	6,779	7,572	8,785	11,359	14,330	14,742	14,649	16,085	17,517	18,501	17,556	14,714	0	0	0
Origination of mortgage loans held for sale
16,317	15,431	14,203	12,810	14,684	15,427	16,600	18,480	17,415	18,166	16,054	12,784	12,654	10,620	9,277	8,886	7,684	6,858	6,475	7,510	8,509	11,021	14,123	14,492	14,430	15,665	17,198	18,161	17,288	14,427	0	0	0
Gains on sales of available-for-sale securities
-	-	-	-	-	48	48	43	98	126	0	0	0	-	-	-	-	-	-	-	-	64	0	0	0	-	-	-	-	-	-	-	-
Gains on sales of mortgage loans held for sale
350	320	296	280	299	317	332	363	366	375	341	291	279	233	209	225	197	190	187	192	219	277	323	307	293	301	319	344	336	315	0	0	0
Write-downs and losses (gains) on other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-86	-58	-53	-52	-53	-63	-69	-51	-42	-23	-23	-104	-131	-142	-185	-157	-160	0	0	0
Loss (gain) on sale premises and equipment
16	16	16	16	14	14	37	6	4	-4	-27	4	8	16	16	16	16	19	20	16	17	14	13	17	16	16	20	20	21	21	0	0	0
Changes in:
Accrued interest receivable
133	2	91	114	132	59	-42	-101	-77	-58	-50	37	20	153	-41	-37	-1	-27	-10	-130	-138	-106	-159	-95	-241	-198	-281	-210	-155	-137	0	0	0
Other assets
144	27	-124	76	224	167	189	-13	-219	-93	-9	-74	107	-36	350	-469	-822	-251	-1,025	-111	-328	-967	-108	-170	416	-33	-169	-16	-203	-170	0	0	0
Accrued interest payable and other liabilities
9	152	245	141	398	-385	-122	-223	-433	350	-96	106	188	187	357	369	197	205	166	-1,280	-59	-380	-377	1,309	-1,474	65	-17	-183	1,132	117	0	0	0
Net cash provided by operating activities
-	-	-	-	-	-	-	-	-	-	-	-	4,970	5,121	5,007	5,358	4,993	5,404	5,928	4,830	6,183	6,711	6,686	8,197	5,955	7,014	6,906	6,271	7,311	6,099	0	0	0
Net cash provided by operating activities
5,852	6,057	6,309	5,568	5,181	4,534	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Investing Activities
Loan originations and payments, net
-10,589	-2,184	8,497	22,847	23,436	14,828	19,141	13,538	35,436	28,652	16,001	32,847	10,632	12,519	16,466	3,071	18,449	23,682	10,723	8,339	4,575	836	-7	8,801	-596	6,392	26,810	19,256	22,624	14,785	0	0	0
Increase in interest-bearing deposits in other financial institutions
-5,625	2,478	10,027	5,815	425	2,514	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of premises and equipment
120	115	204	175	166	187	114	151	145	142	268	326	322	436	358	310	346	267	205	186	171	107	199	214	242	352	307	403	359	318	0	0	0
Proceeds from maturities of available-for-sale securities
7,305	8,324	8,673	9,918	10,191	8,976	8,665	10,387	11,459	11,924	11,543	8,959	7,990	7,054	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of available-for-sale securities
-	7,163	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sales of available-for-sale securities
-	-	-	-	-	6,498	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of available-for-sale securities
-	-	-	-	-	-	-	-	-	10,841	12,463	13,963	15,685	11,002	10,195	14,689	19,510	22,625	24,332	18,508	14,153	17,267	16,208	16,598	18,597	13,400	20,166	22,841	25,000	25,000	0	0	0
Proceeds from maturities of available-for-sale securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6,128	5,859	5,975	7,144	8,258	10,971	12,573	16,806	16,787	15,067	15,576	14,471	12,410	0	0	0
Proceeds from sales of available-for-sale securities
-	-	-	-	-	-	-	-	-	4,358	0	0	0	-	-	-	-	-	-	-	-	2,160	0	0	0	-	-	-	-	-	-	-	-
Proceeds from sales of other real owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	812	475	395	286	120	142	91	485	461	559	872	951	1,255	0	0	0
Proceeds from sales of premises and equipment
23	23	14	15	14	14	0	0	0	-	-	-	-	-	-	-	-	32	33	28	29	14	14	18	17	17	14	14	12	17	0	0	0
Purchase of FHLB stock
-	12	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash used in investing activities
-	-	-	-	-	-	-	-	-	-	-	-	-16,589	-16,909	-16,621	-6,109	-21,687	-29,690	-21,934	-13,676	-9,899	-7,658	-4,184	-11,842	646	-1,917	-29,200	-7,371	-13,744	-7,616	0	0	0
Net cash used in investing activities
17,261	763	-20,516	-27,963	-23,829	-12,663	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Financing Activities
Net change in demand deposits, money market, NOW and savings accounts
15,618	19,422	16,395	15,528	5,597	2,404	18,133	12,230	619	9,085	4,509	10,661	24,260	25,947	20,049	18,648	10,662	7,341	19,582	31,764	28,444	30,650	21,636	2,708	3,275	-2,401	-5,840	8,300	13,404	21,768	0	0	0
Net change in time deposits
-20,325	-3,127	3,641	2,225	7,515	-529	-9,365	5,202	9,597	-9,034	-13,171	-26,023	-26,445	2,657	5,257	4,337	2,506	-8,508	-20,030	-23,180	-24,171	-19,432	211	13,670	13,596	1,403	-7,935	-13,697	-16,633	-10,728	0	0	0
Proceeds from FHLB advances
-	25,000	25,000	35,000	36,000	39,000	46,000	32,000	40,000	37,000	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repayment of FHLB advances
-	35,000	30,000	30,000	30,000	34,000	0	0	0	-	-	-	-	21,000	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from other borrowings
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3,300	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-
Repayment of other borrowings
-	-	-	-	-	-	-	-	-	2,000	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Redemption of preferred stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3,266	0	0	0	-	0	0	0	-	-	-	-	-	0	0	0
Dividends paid on common stock
711	684	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net change in fed funds purchased and repurchase agreements
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-712	0	0	0
Dividends paid on preferred stock
-	-	-	-	-	238	362	486	490	495	502	509	516	520	520	520	517	521	567	607	651	707	743	785	825	849	849	849	849	861	0	0	0
Net cash provided by (used in) financing activities
-22,418	5,611	14,278	22,172	18,236	6,031	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Decrease in Cash and Cash Equivalents
695	12,431	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by financing activities
-	-	-	-	-	-	-	-	-	-	-	-	-64	15,721	9,580	11,459	6,851	-1,454	-3,281	1,711	-3,644	3,210	15,803	11,592	17,045	-847	376	6,797	5,375	17,255	0	0	0
Decrease in Cash and Cash Equivalents
-	-	-	-	-	-	-	-	-	-	-	-26,184	-11,683	3,933	-2,034	10,708	-9,843	-25,740	-19,287	-7,135	-7,360	2,263	18,305	7,947	23,646	4,250	-21,918	5,697	-1,058	15,738	0	0	0
Decrease in Cash and Cash Equivalents
-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Supplemental Cash Flows Information
Interest paid
4,743	4,358	3,958	3,541	3,228	2,973	2,797	2,688	2,577	2,521	2,513	2,541	2,598	2,625	2,632	2,643	2,669	2,721	2,780	2,858	2,930	2,956	3,058	3,130	3,264	3,487	3,665	3,884	4,106	4,253	0	0	0
Recording of right of use asset in exchange for lease obligations
0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Income taxes paid
-	-	-	-	-	1,745	1,760	1,530	1,620	1,365	1,145	1,260	1,235	1,135	0	0	0	-	-	-	-	-	-	-	-	755	-490	-340	-530	-545	0	0	0
Conversion of cumulative preferred stock
-	-	-	-	-	7,077	7,077	7,069	245	398	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loans transferred to other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	111	0	0	0	-	-	-	-	804	0	0	0	-	-	-	-	684	0	0	0