Eagle Bancorp Montana, Inc. EBMT Cash Flow

Eagle bancorp montana, inc. (EBMT)

CashFlow / Quarterly

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	Dec'10	Sep'10
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income
3,927	2,337	4,105	3,247	1,183	1,444	1,632	1,333	573	553	1,721	1,066	763	1,449	1,772	1,264	647	881	521	792	386	924	718	862	108	474	667	684	907	-40	422	605	658	487	428	482	408	644	876
Adjustments to reconcile net income to net cash provided by operating activities:
Loan loss provision
670	632	694	697	604	260	194	24	502	294	331	302	301	452	472	459	450	343	310	328	322	300	215	168	128	153	159	140	116	187	235	-	-	-	-	-	-	-	-
Impairment of servicing rights
153	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Write-down on real estate owned and other repossessed assets
-	-	-	-	-	-	-	-	-	0	0	9	36	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Provision for loan losses
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	258	325	258	-	276	234	283
Write-down on real estate owned and other repossessed assets
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1	93	30	68	-	-	-	-	139	2	60	0
Depreciation
574	478	447	444	417	359	345	305	273	257	240	234	238	261	256	257	284	307	319	309	296	293	292	288	284	291	283	279	251	212	189	188	188	191	193	191	176	184	188
Net amortization of investment securities premiums and discounts
-280	-162	-167	-257	-280	-287	-302	-341	-307	-347	-386	-410	-412	-419	-436	-480	-503	-458	-497	-500	-533	-466	-559	-549	-684	-711	-895	-934	-797	-327	-111	-82	-96	-102	-94	-103	-126	-157	-167
Amortization of mortgage servicing rights
511	524	478	388	247	297	296	369	241	274	288	262	262	410	326	285	228	159	218	205	217	162	166	164	132	141	193	186	158	221	187	161	201	174	93	125	334	440	259
Amortization of right-of-use assets
117	120	119	116	119	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of core deposit intangible and tax credits
164	51	254	253	254	181	182	235	102	105	107	107	107	110	112	111	112	115	116	101	100	103	105	105	105	108	109	-	-	-	-	-	-	-	-	-	-	-	-
Compensation expense related to restricted stock awards
70	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ESOP compensation expense for allocated shares
82	-	-	-	72	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Deferred income tax benefit
-23	322	188	818	-589	364	276	51	189	312	-60	46	-96	76	192	-120	-168	-137	-167	-161	121	-601	-64	-125	13	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net gain on sale of loans
5,411	5,224	5,492	3,360	2,599	2,294	2,290	1,720	1,439	2,141	2,574	2,263	1,825	3,026	3,164	2,438	1,718	1,546	1,639	1,856	1,631	1,466	1,398	1,196	836	963	1,591	1,925	1,718	962	812	534	522	403	236	225	333	802	827
Originations of loans held-for-sale
132,225	-	-	-	72,293	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sales of loans held-for-sale
138,061	-	-	-	74,122	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net loss on sale of available-for-sale securities
-	20	0	104	-55	-74	-23	15	-105	51	0	-14	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net gain on sale of available-for-sale securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	48	186	141	194	41	196	405	431	484	465	245	67	209	115	109	57	-	-	-	-
Net loss on sale of real estate owned and other repossessed assets
-	0	0	19	-37	3	0	-32	-25	-4	0	-24	-1	0	-6	12	0	-9	-2	-1	-1	0	-1	0	0	-22	-28	6	-9	-6	-17	-	-	-	-	0	-2	0	0
Net loss on fair value hedge
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-93	-317	-47	-62	-72	48	23	96	43	28	37	-137	94	-44	-330	-	-	183	15
Net gain on sale/disposal of premises and equipment
4	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-12	6	-	-	-	-	-	0	0	-11	-	-	-	-	-	-	-	-	-	-	0	0	-82	-2
Net appreciation in cash surrender value of life insurance
160	148	255	160	157	140	135	95	116	96	96	98	96	99	198	85	84	85	81	82	81	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net appreciation in cash surrender value of life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	76	78	78	-	83	76	71	75	75	71	69	77	55	51	50	54	54
Net change in:
Accrued interest and dividends receivable
-256	-741	415	-102	270	-411	222	456	-48	286	95	73	-22	-15	-136	61	-65	-54	-5	191	-172	-22	-89	210	-169	49	-48	150	283	602	-19	-80	-33	-64	-10	-16	52	-43	-45
Loans held-for-sale
-	-	-	-	-	-	-5,075	861	-1,346	-2,759	-8,881	5,195	-11,406	-3,961	-4,944	301	-2,137	2,210	-4,050	-1,626	-2,230	-5,401	2,844	6,419	-6,011	-6,747	-1,688	6,052	-4,159	4,746	-2,251	-1,854	1,964	5,753	1,095	624	-2,514	-5,941	56
Other assets
6,042	466	-321	1,245	-353	265	-91	-157	-10	-549	-234	-237	-87	-296	-28	141	-369	292	-93	931	473	18	-185	434	23	238	-43	-987	-580	2,025	227	-44	-122	175	-602	-514	289	662	-95
Accrued expenses and other liabilities
2,688	-237	-1,721	3,014	-552	-694	547	753	-59	-260	633	637	101	-499	420	-880	1,930	-1,130	372	1,529	-575	-259	997	580	-44	-307	297	105	62	-405	510	552	281	-222	843	232	340	-949	906
Net cash provided by operating activities
3,688	3,995	3,190	-8,102	1,283	4,458	6,385	621	2,107	2,619	9,996	-4,281	11,719	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-750	-5,352	1,408	840	3,652	5,135	1,869
CASH FLOWS FROM INVESTING ACTIVITIES:
Sales
-	4,770	0	49,357	3,900	5,261	978	19,086	25,994	7,836	0	2,749	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by operating activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-1,254	4,749	-3,075	4,616	1,818	1,525	5,357	-1,138	-5,715	6,540	6,490	2,282	-5,981	4,412	-8,097	2,791	-	-	-	-	-	-	-	-
Sales
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	258	0	22,096	8,947	17,293	9,646	13,725	3,955	18,229	16,149	4,441	6,722	7,764	574	4,311	1,666	1,147	1,876	-	-	-	-
Maturities, principal payments and calls
4,106	3,648	3,012	4,067	2,919	3,145	2,813	3,372	2,578	3,032	1,947	2,942	2,093	1,789	1,964	3,306	2,823	3,664	2,843	3,396	2,612	1,751	4,060	3,679	4,174	4,753	9,738	11,653	9,761	6,663	4,811	11,938	3,535	3,659	1,829	3,367	7,495	7,112	7,119
Purchases
1,500	0	14,331	35,620	1,513	0	0	18,863	27,107	23,058	0	305	1,002	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases
-	-	-	-	-	-	-	-	-	-	-	-	-	3,861	13,467	0	1,531	2,260	346	25,217	1,049	833	1,427	13,736	1,597	17,695	11,710	16,756	39,187	122,823	14,153	11,100	1,745	-1	2,682	8,451	4,032	4,331	1,620
FHLB stock (purchased) redeemed
263	516	-1,217	577	-468	394	58	855	-493	-35	-720	1,497	-668	142	135	171	167	544	527	359	-1	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FRB stock purchased
-	0	0	486	7	0	14	0	554	594	0	0	0	0	0	0	-16	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash received from acquisitions
-7,744	0	0	0	-6,901	0	0	0	4,243	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Federal Reserve Bank stock redeemed
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	18	-	17	-	18	18	18	-	-	-	-	-	-	-	-
Loan origination and principal collection, net
371	29,699	2,409	25,197	22,583	20,753	15,433	15,222	-827	3,500	2,701	19,923	22,994	6,361	18,222	21,687	15,931	16,201	33,643	22,409	18,224	-	-	-	-	-	-	-	-	-	-	-	-4,637	-2,502	1,229	-	-2,262	11,304	9,912
Maturities, prepayments and calls
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	125
Loan origination and principal collection, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	18,340	25,325	15,893	11,591	14,435	19,247	4,542	-2,348	6,156	-5,874	-	-	-	-	-	-	-	-
Proceeds from Bank owned life insurance
-	-	-	-	-	0	0	0	205	-	0	0	0	-	-	-	-	-	-	-	-	-	0	0	109	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of Bank owned life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	495	-	-	-	-	-	-	-	-	0	0	0	2,000	-	-	-	-
Proceeds from sale of real estate and other repossessed assets acquired in settlement of loans
-	0	0	282	70	-	-	-	-	30	0	142	120	231	46	61	15	64	2	18	3	1	3	0	2	55	26	542	67	665	582	-	-	-	-	0	166	0	0
Insurance proceeds related to premises and equipment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	3	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sale of premises and equipment
-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	1	6	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	1
Purchases of premises and equipment, net
11,596	2,154	4,264	2,275	1,850	1,102	976	910	4,074	1,356	1,060	524	595	111	1,834	90	212	234	150	220	26	220	228	734	798	647	141	184	445	606	156	48	51	11	60	348	440	271	69
Net cash used in investing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-17,418	-14,981	-15,497	-32,271	-21,259	-7,736	-1,079	-13,766	-12,959	-5,725	-9,838	-5,168	-6,228	-20,069	15,619	-2,450	-	-	-	-	-	-	-	-
Net cash used in investing activities
-1,880	-23,801	-13,756	-10,449	-11,695	-13,518	-18,281	-13,242	-5,881	-17,573	-1,094	-16,416	-21,710	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8,152	7,298	-2,266	255	5,451	-8,794	-4,356
CASH FLOWS FROM FINANCING ACTIVITIES:
Net (decrease) increase in deposits
-10,040	19,532	41,073	7,343	21,728	5,309	8,127	-12,760	23,181	-4,603	10,902	-12,020	13,490	-2,482	6,395	14,488	11,212	2,054	15,130	12,882	11,716	838	13,100	-11,757	6,561	3,961	10,529	-3,836	6,862	11,361	912	-165	4,994	1,540	4,434	-1,490	6,383	286	6,068
Net short-term advances (payments) on FHLB and other borrowings
7,910	16,503	-28,062	9,422	-11,047	7,270	16,041	34,871	-11,495	1,495	-47,075	26,546	-14,993	5,712	5,518	3,441	642	3,024	12,473	-4,917	-12,303	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net short-term payments on Federal Home Loan Bank and other borrowings
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	232	-	4,806	-	6,345	-	-	-	-	-	-	-	-	-	-	-	-
Long-term advances from FHLB and other borrowings
10,000	0	5,000	10,000	18,000	-	-	-	-	0	29,300	12,000	5,000	0	0	5,000	0	20,000	0	8,000	5,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-7,000	7,000	0
Net increase in federal funds purchased
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	350	705	-1,055
Payments on long-term FHLB and other borrowings
14,175	3,987	6,987	4,987	16,862	4,779	11,779	12,930	1,946	2,362	2,571	2,630	4,154	2,154	2,154	4,154	2,154	5,842	550	2,112	5,050	2,050	50	5,050	50	4,050	50	-	-	-	-	-	-	-	2,050	-	-1,950	976	5,252
Proceeds from issuance of long-term debt
-	-	-	-	-	-	-	-	-	0	0	0	10,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from issuance of long-term debt
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Payments for debt issuance costs
-	-	-	-	-	-	-	-	-	0	0	19	200	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of treasury stock
-	0	0	478	732	-	-	-	-	-	-	-	-	-	-	-	-	176	528	0	616	54	533	-	-	-	-	-	-	-	-	0	0	229	185	-	-	-	-
Net change in advances from the FHLB and other borrowings
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-4,185	-9,050	-	-	-	-	-	-	-	-
Dividends paid
648	610	608	592	597	507	505	491	492	451	344	305	304	305	302	293	293	294	297	285	288	291	290	284	284	285	283	282	278	277	277	276	275	277	278	286	286	287	285
Net cash (used in) provided by financing activities
-6,953	31,438	10,416	20,708	10,490	11,293	11,884	8,690	9,248	14,236	-9,788	23,572	8,839	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-331	-4,016	1,921	-5,622	697	5,318	1,586
Net cash provided by financing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	18,482	9,407	18,764	26,174	23,418	-1,541	4,314	11,995	16,202	1,421	3,277	3,851	1,332	6,534	6,899	-8,415	-	-	-	-	-	-	-	-
NET INCREASE IN CASH AND CASH EQUIVALENTS
-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,408	-190	-825	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS
-5,145	11,632	-150	2,157	78	2,233	-12	-3,931	5,474	-718	-886	2,875	-1,152	-	-	-	-	192	-1,481	3,977	-7,752	8,592	-2,909	-2,472	2,236	-71	965	-10,877	-9,123	14,421	-8,074	4,210	7,071	-2,070	1,063	-4,527	9,800	1,659	-901
SUPPLEMENTAL CASH FLOW INFORMATION:
Cash paid during the period for interest
2,172	1,723	1,893	1,739	1,613	1,301	1,403	891	1,229	-	1,176	987	776	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash paid during the period for interest
-	-	-	-	-	-	-	-	-	-	-	-	-	-	787	820	734	-	725	527	490	-	545	511	485	-	532	-	510	611	629	-	790	863	898	-	993	1,076	1,113
Cash paid during the period for income taxes
-	-	-	-	-	-	-	-	-	-	500	680	0	-	725	590	0	-	92	23	27	-	80	-	-	-	-	-	0	372	0	-	0	208	0	-	0	792	0
NON-CASH INVESTING AND FINANCING ACTIVITIES:
Increase in fair value of securities available-for-sale
205	-948	1,166	1,861	1,541	1,997	-1,214	-231	-2,478	-	-91	1,789	279	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Increase in market value of securities available-for-sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-786	2,243	1,127	-	1,688	-2,746	1,309	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Mortgage servicing rights recognized
943	1,045	1,030	736	465	450	527	472	276	-	559	497	301	-	569	493	248	-	509	451	373	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Right-of-use assets obtained in exchange for lease liabilities
-	0	0	-87	2,461	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Increase in market value of securities available-for-sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,519	2,449	3,293	-	-2,489	-	1,936	1,005	-252	-	222	-2,086	1,248	-	-69	2,631	-1,931
Mortgage servicing rights recognized
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	323	318	207	-	421	-	640	221	319	-	216	161	84	-	181	386	302
Loans transferred to real estate and other assets acquired in foreclosure
34	1	0	0	131	0	0	0	4	-	34	0	0	-	0	8	26	-	0	0	9	-	165	0	51	-	-	-	-	-	-	-	-	714	122	-	-	-	-
Stock issued in connection with acquisitions
8,467	0	0	0	16,435	0	0	0	9,030	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Real estate acquired in foreclosure transferred to premises and equipment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	63	0	243	-	-	-	-	-	-	-	-
Employee Stock Ownership Plan shares released
-	-	-	-	-	-	-	-	85	-	74	79	83	-	57	53	47	-	46	45	46	-	45	44	44	-	46	-	45	42	43	-	-	42	43	-	-	-	-