Citizens community bancorp inc. (CZWI)
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'11Dec'10
Cash flows from operating activities:
Net Income (Loss) Attributable to Parent

11,116

9,463

7,555

7,420

3,816

4,204

4,283

2,726

3,306

2,899

2,499

3,133

2,925

2,666

2,573

3,280

3,017

2,938

2,806

3,250

3,196

2,921

2,509

1,470

1,078

1,090

1,047

964

1,147

880

206

177

4

18

193

0

0

0

Adjustments to reconcile net income to net cash provided by operating activities:
Net premium amortization/discount accretion on investment securities

-723

-899

-1,043

-1,130

-1,162

-1,124

-1,052

-956

-770

-760

-795

-859

-998

-1,099

-1,135

-1,124

-1,102

-973

-910

-893

-942

-981

-1,024

-1,013

-1,062

-1,053

-1,008

-1,270

-1,136

-1,095

-988

-618

-522

-322

-117

0

0

0

Depreciation expense

1,676

1,564

1,423

1,323

1,227

1,132

1,054

939

889

817

864

1,162

1,147

1,137

1,071

1,028

1,068

1,166

1,382

1,305

1,306

1,282

1,116

1,022

1,061

1,081

1,079

1,068

1,057

1,049

1,043

1,040

952

1,053

1,100

0

0

0

Provision for Loan and Lease Losses

4,300

3,525

3,075

2,950

3,275

2,150

1,300

1,169

519

419

319

0

0

0

75

196

346

496

656

910

1,215

1,545

1,910

2,263

2,558

2,843

3,143

3,315

3,465

3,800

4,440

4,790

5,254

5,804

5,864

0

0

0

Net realized loss (gain) on equity securities

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net realized gain on debt securities

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net realized (gain) loss on sale of securities

-

-

-

-

-

-17

-17

65

61

82

111

45

88

92

63

47

17

59

60

41

21

-167

-168

-149

-198

342

552

704

771

370

243

0

0

0

-

-

-

-

Increase in MSR assets resulting from transfers of financial assets

-957

-904

-681

-719

-518

-389

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Mortgage servicing rights expense

1,653

1,108

997

1,007

701

510

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Other-than-temporary impairment on mortgage-backed securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

85

211

583

797

1,449

1,323

952

1,332

0

0

0

-

-

-

-

Amortization of Intangible Assets

1,581

1,496

1,410

1,159

974

808

645

584

461

338

219

164

157

140

111

80

64

57

57

57

56

57

57

57

57

56

56

57

71

140

209

0

0

0

-

-

-

-

Other-than-temporary impairment mortgage-backed securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Amortization of core deposit intangible

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Amortization of restricted stock

469

470

497

464

455

382

271

212

135

83

83

61

24

35

46

59

105

105

96

88

80

72

66

60

54

48

45

39

32

26

22

19

15

9

5

0

0

0

Net stock based compensation expense

18

18

19

20

20

11

12

14

17

29

31

0

0

0

-

40

63

63

59

55

51

47

43

0

0

0

-

29

26

24

21

0

0

0

-

-

-

-

Loss on sale of office properties and equipment

59

32

32

31

-24

3

3

-175

-179

-179

-181

-2

-2

-2

0

-8

-8

-1

-8

3

3

-2

-323

-478

-478

-496

-168

-16

-16

0

-134

0

0

0

-

-

-

-

Provision for deferred income taxes

-

-

-

-

-

-

-

-

0

-1,538

-

-

-632

-827

-449

-565

-294

-171

141

141

142

-894

-1,012

-1,184

-1,168

-22

-182

0

0

0

-

-

-

-

-

-

-

-

Deferred income taxes

-902

-752

0

-331

-331

-194

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Increase in cash surrender value of life insurance

581

552

494

658

541

428

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net (gain) loss from disposals of foreclosed and repossessed assets

194

125

113

51

-552

-552

-535

-537

-51

-35

-32

9

-4

8

70

41

9

-1

-31

13

82

80

71

95

67

102

102

102

114

75

64

-28

-53

-18

-25

0

0

0

Fair value adjustment on equity securities

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Provision for valuation allowance on foreclosed properties

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

57

47

103

101

74

70

24

54

76

194

270

268

271

144

58

25

135

0

0

0

Gain on sale of loans held for sale, net

2,934

2,462

1,948

1,503

1,156

1,331

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net change in loans held for sale

-884

1,504

-603

6,229

-1,445

-1,738

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

(Decrease) increase in accrued interest receivable and other assets

-7,069

-4,497

-2,853

1,771

2,115

-277

-683

-1,750

-1,770

-4,226

-117

-2,235

-1,767

3,406

-698

1,237

1,759

-1,311

460

509

-667

1,873

673

563

902

-364

-599

-2,387

-2,192

-3,022

-2,874

-1,647

-1,587

-1,018

-2,027

0

0

0

Decrease in other liabilities

-900

-3,602

-5,749

-5,854

-676

1,353

1,055

2,759

-1,780

-2,099

-2,902

-1,931

-2,120

-270

-402

-285

69

-620

376

109

369

547

200

525

300

529

-834

-1,289

-1,307

-1,601

-326

313

434

1,264

561

0

0

0

Total adjustments

11,536

3,373

2,752

-9,149

4,460

7,709

6,572

16,905

3,190

4,079

-586

2,104

2,628

-469

3,125

1,513

1,357

3,695

2,971

2,757

4,541

3,741

5,327

6,288

6,238

6,716

5,696

5,900

5,567

6,501

8,872

9,150

9,207

9,603

9,815

0

0

0

Net cash provided by (used in) operating activities

22,652

12,836

10,307

-1,729

8,276

11,913

10,855

19,631

6,496

6,978

1,913

5,237

5,553

2,197

5,698

4,793

4,374

6,633

5,777

6,007

7,737

6,662

7,836

7,758

7,316

7,806

6,743

6,864

6,714

7,381

9,078

9,327

9,211

9,621

10,008

0

0

0

Cash flows from investing activities:
Purchase of investment securities

-

-

-

-

-

-

-

-

0

22,440

-

-

21,000

25,415

19,665

32,599

51,557

60,030

54,232

38,620

24,878

24,276

20,506

30,961

39,330

51,936

71,544

70,757

66,621

63,496

59,114

0

0

0

-

-

-

-

Purchase of bank owned life insurance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

Net decrease in other interest-bearing deposits

3,221

3,708

3,207

2,460

2,444

-25

968

1,206

717

1,961

968

-250

7,241

7,491

7,241

5,744

-1,497

-1,997

-2,747

-1,250

-1,250

-1,000

1,743

1,747

1,996

1,996

-1,988

-1,992

498

7,104

9,543

0

0

0

-

-

-

-

Purchase of available for sale securities

46,475

53,915

53,628

56,987

55,510

63,793

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of held to maturity securities

0

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from principal payments and sale of available for sale securities

78,665

58,618

10,816

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sale of securities available for sale

-

-

-

-

-

-

-

-

0

27,407

-

-

28,631

32,356

21,712

17,664

10,945

27,320

29,285

31,578

28,993

25,456

23,491

21,199

36,622

34,586

44,780

53,645

39,244

33,371

27,065

0

0

0

-

-

-

-

Proceeds from principal payments and maturities of held to maturity securities

2,002

1,999

19,743

14,221

6,868

8,940

10,785

10,748

9,849

10,081

9,597

11,340

14,862

15,267

16,183

13,769

9,826

8,940

8,171

7,707

7,158

6,710

6,892

6,508

7,584

8,680

9,621

11,031

11,414

11,158

10,146

9,274

8,723

9,800

11,949

0

0

0

Net sales of other investments

0

-

-

3,985

0

0

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sale of non-marketable equity securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sale of non-marketable equity securities

-

-

-

-

-

-

-

0

0

379

-

0

0

0

-

-

-

-

889

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of non-marketable equity securities

-

-

-

-

-

-

-

0

0

1,291

-

417

334

334

3

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sale of foreclosed and repossessed assets

3,173

3,038

2,658

5,580

5,714

5,225

5,347

2,569

1,597

1,383

1,111

1,082

1,080

1,058

1,261

1,166

1,174

1,532

1,323

2,105

2,512

2,330

2,342

2,471

2,113

2,466

2,553

2,014

2,166

1,889

2,067

2,120

1,860

1,819

1,462

0

0

0

Net increase in loans

38,194

60,874

40,506

52,374

99,078

62,440

26,849

68,255

5,603

651

-22,374

-62,457

-41,967

-31,258

-2,846

-472

-1,801

-5,276

-17,927

-5,083

13,103

20,299

33,455

31,480

26,613

27,999

18,757

11,670

-118

-3,908

1,203

5,553

-6,133

-13,053

-17,022

0

0

0

Net capital expenditures

6,842

6,771

6,739

3,730

2,457

2,995

2,955

2,805

1,751

1,041

609

616

741

730

961

825

758

646

331

346

252

235

485

560

642

795

549

438

480

373

473

447

143

228

577

0

0

0

Net cash (disbursed) acquired in business combinations

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from disposal of office properties and equipment

-

-

-

-

-

74

74

87

14

14

21

7

7

7

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

465

0

0

0

-

-

-

-

Net cash provided by (used in) investing activities

-21,698

-63,333

-27,015

-37,169

-89,246

-67,028

-49,463

-101,222

-36,307

-6,666

13,793

64,905

79,823

81,616

49,272

26,039

-19,423

-18,956

285

6,642

-5,779

-16,130

-25,034

-35,621

-21,120

-35,502

-38,384

-20,041

-11,946

-4,451

-9,517

-6,468

12,189

-6,063

10,446

0

0

0

Cash flows from financing activities:
Net (decrease) increase in short-term Federal Home Loan Bank advances

-76,973

1,036

19,543

67,043

27,027

5,012

-27,000

-9,900

24,509

20,509

30,709

9,026

-3,983

11,600

-2,600

9,983

10,583

5,000

0

-19,000

-6,839

-2,609

8,891

11,941

9,780

7,050

750

4,800

12,850

19,850

18,850

12,850

-7,700

-13,200

-33,800

0

0

0

Proceeds from long-term Federal Home Loan Bank advances

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Amortization of debt issuance costs

0

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from other borrowings to fund business combination, net of debt issuance costs

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from other borrowings to fund business combination, net of origination costs

-

-

-

-

-

-

-420

19,205

18,785

19,205

19,625

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repayments of Other Debt

-

-

-

-

-

15,191

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net (decrease) increase in deposits

769

39,553

-6,087

-1,748

9,363

-6,228

4,025

7,498

-219

-11,948

-33,078

-66,091

-93,924

-100,771

-76,772

-49,380

-8,785

3,328

6,531

16,635

21,029

15,902

2,369

-2,390

-2,085

11,243

25,340

15,511

312

-16,871

-26,915

-32,377

-46,335

-38,263

-27,329

0

0

0

Proceeds from private placement stock offering, net of issuance costs

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Common stock canceled/retired Wells ESOP

-

-

-

-

-

-

-

-

-

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repurchase shares of common stock

0

-

-

-

0

1

1

1

1

0

16

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Surrender of restricted shares of common stock

65

53

55

60

50

41

0

0

0

-

-

-

-

-

50

50

49

36

36

36

35

24

22

21

20

14

4

0

0

0

-

-

-

-

-

-

-

-

Proceeds from Stock Options Exercised

8

203

293

293

285

131

50

97

105

123

114

0

0

0

-

-

-

-

299

299

299

177

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Cash dividends paid

2,372

2,198

2,198

2,198

2,198

1,181

0

0

0

-

-

-

-

-

629

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash (used in) provided by financing activities

-965

60,559

34,490

58,175

90,860

53,678

31,425

75,573

41,429

26,459

15,925

-57,738

-87,538

-78,599

-68,796

-28,957

1,182

7,996

6,376

-2,521

14,035

13,239

11,031

9,323

7,365

18,176

25,983

20,204

13,162

2,979

-8,065

-19,527

-54,035

-51,463

-61,129

0

0

0

Net decrease in cash and cash equivalents

-11

10,062

17,782

19,277

9,890

-1,437

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net (decrease) increase in cash and cash equivalents

-

-

-

-

-

-

-

-6,018

11,618

26,771

31,631

12,404

-2,162

5,214

-13,826

1,875

-13,867

-4,327

12,438

10,128

15,993

3,771

-6,167

-18,540

-6,439

-9,520

-5,658

7,027

7,930

5,909

-8,504

-16,668

-32,635

-47,905

-40,675

0

0

0

Supplemental cash flow information:
Cash paid during the period for:
Interest on deposits

0

-

-

-

-

6,468

5,530

4,934

4,566

4,353

4,199

4,404

4,336

4,222

4,091

2,869

2,843

2,862

2,852

0

0

0

-

2,722

3,033

3,350

3,667

4,905

4,992

5,145

5,360

7,468

7,906

8,413

8,923

0

0

0

Interest on borrowings

0

-

-

-

-

3,119

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest on borrowings

-

-

-

-

-

-

-

0

0

1,412

-

848

870

859

759

477

463

463

466

0

0

0

-

708

539

494

543

704

927

1,135

1,273

1,381

1,499

1,628

1,974

0

0

0

Income taxes

0

-

-

-

-

1,738

1,160

1,559

1,765

1,616

1,618

1,252

832

796

1,484

1,446

1,617

1,902

1,214

0

0

0

-

86

282

436

790

1,048

863

631

281

28

15

17

15

0

0

0

Supplemental noncash disclosure:
Transfers from loans receivable to foreclosed and repossessed assets

0

-

-

-

-

1,316

1,189

839

999

628

791

631

509

595

630

858

969

1,177

1,263

0

0

0

-

3,112

3,292

3,074

3,013

1,949

1,796

2,195

1,617

1,937

2,530

2,345

2,403

0

0

0

Fair value of assets acquired, net of cash and cash equivalents

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Fair value of liabilities assumed, net of cash and cash equivalents

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-