Eagle Bancorp Montana, Inc. EBMT Cash Flow

Eagle bancorp montana, inc. (EBMT)

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	Dec'10	Sep'10
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income
13,616	10,872	9,979	7,506	5,592	4,982	4,091	4,180	3,913	4,103	4,999	5,050	5,248	5,132	4,564	3,313	2,841	2,580	2,623	2,820	2,890	2,612	2,162	2,111	1,933	2,732	2,218	1,973	1,894	1,645	2,172	2,178	2,055	1,805	1,962	2,410	0	0	0
Adjustments to reconcile net income to net cash provided by operating activities:
Loan loss provision
2,693	2,627	2,255	1,755	1,082	980	1,014	1,151	1,429	1,228	1,386	1,527	1,684	1,833	1,724	1,562	1,431	1,303	1,260	1,165	1,005	811	664	608	580	568	602	678	0	0	0	-	-	-	-	-	-	-	-
Impairment of servicing rights
0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Write-down on real estate owned and other repossessed assets
-	-	-	-	-	-	-	-	-	45	45	45	36	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Provision for loan losses
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0
Write-down on real estate owned and other repossessed assets
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	192	0	0	0	-	-	-	-	201	0	0	0
Depreciation
1,943	1,786	1,667	1,565	1,426	1,282	1,180	1,075	1,004	969	973	989	1,012	1,058	1,104	1,167	1,219	1,231	1,217	1,190	1,169	1,157	1,155	1,146	1,137	1,104	1,025	931	840	777	756	760	763	751	744	739	0	0	0
Net amortization of investment securities premiums and discounts
-866	-866	-991	-1,126	-1,210	-1,237	-1,297	-1,381	-1,450	-1,555	-1,627	-1,677	-1,747	-1,838	-1,877	-1,938	-1,958	-1,988	-1,996	-2,058	-2,107	-2,258	-2,503	-2,839	-3,224	-3,337	-2,953	-2,169	-1,317	-616	-391	-374	-395	-425	-480	-553	0	0	0
Amortization of mortgage servicing rights
1,901	1,637	1,410	1,228	1,209	1,203	1,180	1,172	1,065	1,086	1,222	1,260	1,283	1,249	998	890	810	799	802	750	709	624	603	630	652	678	758	752	727	770	723	629	593	726	992	1,158	0	0	0
Amortization of right-of-use assets
472	474	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of core deposit intangible and tax credits
722	812	942	870	852	700	624	549	421	426	431	436	440	445	450	454	444	432	420	409	413	418	423	427	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Compensation expense related to restricted stock awards
0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ESOP compensation expense for allocated shares
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Deferred income tax benefit
1,305	739	781	869	102	880	828	492	487	202	-34	218	52	-20	-233	-592	-633	-344	-808	-705	-669	-777	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net gain on sale of loans
19,487	16,675	13,745	10,543	8,903	7,743	7,590	7,874	8,417	8,803	9,688	10,278	10,453	10,346	8,866	7,341	6,759	6,672	6,592	6,351	5,691	4,896	4,393	4,586	5,315	6,197	6,196	5,417	4,026	2,830	2,271	1,695	1,386	1,197	1,596	2,187	0	0	0
Originations of loans held-for-sale
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sales of loans held-for-sale
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net loss on sale of available-for-sale securities
-	69	-25	-48	-137	-187	-62	-39	-68	37	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net gain on sale of available-for-sale securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	234	375	569	562	572	836	1,073	1,516	1,785	1,625	1,261	986	636	500	490	0	0	0	-	-	-	-
Net loss on sale of real estate owned and other repossessed assets
-	-18	-15	-15	-66	-54	-61	-61	-53	-29	-25	-31	5	6	-3	1	-12	-13	-4	-3	-2	-1	-23	-50	-44	-53	-37	-26	0	0	0	-	-	-	-	-2	0	0	0
Net loss on fair value hedge
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-93	-410	-457	-519	-498	-133	-63	95	210	190	204	-29	22	-50	-417	0	0	0	-	-	0	0
Net gain on sale/disposal of premises and equipment
0	-	-	-	-	-	-	-	-	-	-	-	-	-6	0	0	0	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-84	0	0	0
Net appreciation in cash surrender value of life insurance
723	720	712	592	527	486	442	403	406	386	389	491	478	466	452	335	332	329	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net appreciation in cash surrender value of life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	305	297	292	290	292	272	252	233	210	209	0	0	0
Net change in:
Accrued interest and dividends receivable
-684	-158	172	-21	537	219	916	789	406	432	131	-100	-112	-155	-194	-63	67	-40	-8	-92	-73	-70	1	42	-18	434	987	1,016	786	470	-196	-187	-123	-38	-17	-52	0	0	0
Loans held-for-sale
-	-	-	-	-	-	-8,319	-12,125	-7,791	-17,851	-19,053	-15,116	-20,010	-10,741	-4,570	-3,676	-5,603	-5,696	-13,307	-6,413	1,632	-2,149	-3,495	-8,027	-8,394	-6,542	4,951	4,388	-3,518	2,605	3,612	6,958	9,436	4,958	-6,736	-7,775	0	0	0
Other assets
7,432	1,037	836	1,066	-336	7	-807	-950	-1,030	-1,107	-854	-648	-270	-552	36	-29	761	1,603	1,329	1,237	740	290	510	652	-769	-1,372	415	685	1,628	2,086	236	-593	-1,063	-652	-165	342	0	0	0
Accrued expenses and other liabilities
3,744	504	47	2,315	54	547	981	1,067	951	1,111	872	659	-858	971	340	292	2,701	196	1,067	1,692	743	1,274	1,226	526	51	157	59	272	719	938	1,121	1,454	1,134	1,193	466	529	0	0	0
Net cash provided by operating activities
2,771	366	829	4,024	12,747	13,571	11,732	15,343	10,441	20,053	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-3,854	548	11,035	11,496	0	0	0
CASH FLOWS FROM INVESTING ACTIVITIES:
Sales
-	58,027	58,518	59,496	29,225	51,319	53,894	52,916	36,579	10,585	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by operating activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5,036	8,108	4,884	13,316	7,562	29	5,044	6,177	9,597	9,331	7,203	-7,384	-6,875	0	0	0	-	-	-	-	-	-	-	-
Sales
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	31,301	48,336	57,982	49,611	44,619	45,555	52,058	42,774	45,541	35,076	19,501	19,371	14,315	7,698	9,000	0	0	0	-	-	-	-
Maturities, principal payments and calls
14,833	13,646	13,143	12,944	12,249	11,908	11,795	10,929	10,499	10,014	8,771	8,788	9,152	9,882	11,757	12,636	12,726	12,515	10,602	11,819	12,102	13,664	16,666	22,344	30,318	35,905	37,815	32,888	33,173	26,947	23,943	20,961	12,390	16,350	19,803	25,093	0	0	0
Purchases
51,451	51,464	51,464	37,133	20,376	45,970	69,028	69,028	50,470	24,365	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases
-	-	-	-	-	-	-	-	-	-	-	-	-	18,859	17,258	4,137	29,354	28,872	27,445	28,526	17,045	17,593	34,455	44,738	47,758	85,348	190,476	192,919	187,263	149,821	26,997	15,526	12,877	15,164	19,496	18,434	0	0	0
FHLB stock (purchased) redeemed
139	-592	-714	561	839	814	385	-393	249	74	251	1,106	-220	615	1,017	1,409	1,597	1,429	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FRB stock purchased
-	493	493	507	21	568	1,162	1,148	1,148	594	0	0	0	-16	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash received from acquisitions
-7,744	-6,901	-6,901	-6,901	-6,901	4,243	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Federal Reserve Bank stock redeemed
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	-	0	0	0	-	-	-	-	-	-	-	-
Loan origination and principal collection, net
57,676	79,888	70,942	83,966	73,991	50,581	33,328	20,596	25,297	49,118	51,979	67,500	69,264	62,201	72,041	87,462	88,184	90,477	0	0	0	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0
Maturities, prepayments and calls
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	125	0	0	0
Loan origination and principal collection, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	71,149	67,244	61,166	49,815	35,876	27,597	2,476	0	0	0	-	-	-	-	-	-	-	-
Proceeds from Bank owned life insurance
-	-	-	-	-	205	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of Bank owned life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-	2,000	0	0	0	-	-	-	-
Proceeds from sale of real estate and other repossessed assets acquired in settlement of loans
-	352	0	0	0	-	-	-	-	292	493	539	458	353	186	142	99	87	24	25	7	6	60	83	625	690	1,300	1,856	0	0	0	-	-	-	-	166	0	0	0
Insurance proceeds related to premises and equipment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sale of premises and equipment
-	-	-	-	-	-	-	-	-	-	-	-	-	7	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0
Purchases of premises and equipment, net
20,289	10,543	9,491	6,203	4,838	7,062	7,316	7,400	7,014	3,535	2,290	3,064	2,630	2,247	2,370	686	816	630	616	694	1,208	1,980	2,407	2,320	1,770	1,417	1,376	1,391	1,255	861	266	170	470	859	1,119	1,128	0	0	0
Net cash used in investing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-80,167	-84,008	-76,763	-62,345	-43,840	-35,540	-33,529	-42,288	-33,690	-26,959	-41,303	-15,846	-13,128	0	0	0	-	-	-	-	-	-	-	-
Net cash used in investing activities
-49,886	-59,701	-49,418	-53,943	-56,736	-50,922	-54,977	-37,790	-40,964	-56,793	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	13,439	10,738	-5,354	-7,444	0	0	0
CASH FLOWS FROM FINANCING ACTIVITIES:
Net (decrease) increase in deposits
57,908	89,676	75,453	42,507	22,404	23,857	13,945	16,720	17,460	7,769	9,890	5,383	31,891	29,613	34,149	42,884	41,278	41,782	40,566	38,536	13,897	8,742	11,865	9,294	17,215	17,516	24,916	15,299	18,970	17,102	7,281	10,803	9,478	10,867	9,613	11,247	0	0	0
Net short-term advances (payments) on FHLB and other borrowings
5,773	-13,184	-22,417	21,686	47,135	46,687	40,912	-22,204	-30,529	-34,027	-29,810	22,783	-322	15,313	12,625	19,580	11,222	-1,723	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net short-term payments on Federal Home Loan Bank and other borrowings
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	-	0	-	-	-	-	-	-	-	-	-	-	-	-
Long-term advances from FHLB and other borrowings
25,000	33,000	0	0	0	-	-	-	-	46,300	46,300	17,000	10,000	5,000	25,000	25,000	28,000	33,000	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0
Net increase in federal funds purchased
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0
Payments on long-term FHLB and other borrowings
30,136	32,823	33,615	38,407	46,350	31,434	29,017	19,809	9,509	11,717	11,509	11,092	12,616	10,616	14,304	12,700	10,658	13,554	9,762	9,262	12,200	7,200	9,200	9,200	0	0	0	-	-	-	-	-	-	-	0	-	0	0	0
Proceeds from issuance of long-term debt
-	-	-	-	-	-	-	-	-	10,000	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from issuance of long-term debt
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Payments for debt issuance costs
-	-	-	-	-	-	-	-	-	219	219	219	200	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of treasury stock
-	1,210	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	1,320	1,198	1,203	0	0	0	-	-	-	-	-	-	-	-	414	0	0	0	-	-	-	-
Net change in advances from the FHLB and other borrowings
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-
Dividends paid
2,458	2,407	2,304	2,201	2,100	1,995	1,939	1,778	1,592	1,404	1,258	1,216	1,204	1,193	1,182	1,177	1,169	1,164	1,161	1,154	1,153	1,149	1,143	1,136	1,134	1,128	1,120	1,114	1,108	1,105	1,105	1,106	1,116	1,127	1,137	1,144	0	0	0
Net cash (used in) provided by financing activities
55,609	73,052	52,907	54,375	42,357	41,115	44,058	22,386	37,268	36,859	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-8,048	-7,020	2,314	1,979	0	0	0
Net cash provided by financing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	72,827	77,763	66,815	52,365	38,186	30,970	33,932	32,895	24,751	9,881	14,994	18,616	6,350	0	0	0	-	-	-	-	-	-	-	-
NET INCREASE IN CASH AND CASH EQUIVALENTS
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS
8,494	13,717	4,318	4,456	-1,632	3,764	813	-61	6,745	119	0	0	0	-	-	-	-	-5,064	3,336	1,908	-4,541	5,447	-3,216	658	-7,747	-19,106	-4,614	-13,653	1,434	17,628	1,137	10,274	1,537	4,266	7,995	6,031	0	0	0
SUPPLEMENTAL CASH FLOW INFORMATION:
Cash paid during the period for interest
7,527	6,968	6,546	6,056	5,208	4,824	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash paid during the period for interest
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0	-	0	0	0	-	0	-	0	0	0	-	0	0	0	-	0	0	0
Cash paid during the period for income taxes
-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0	-	0	0	0	-	0	-	-	-	-	-	0	0	0	-	0	0	0	-	0	0	0
NON-CASH INVESTING AND FINANCING ACTIVITIES:
Increase in fair value of securities available-for-sale
2,284	3,620	6,565	4,185	2,093	-1,926	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Increase in market value of securities available-for-sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Mortgage servicing rights recognized
3,754	3,276	2,681	2,178	1,914	1,725	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Right-of-use assets obtained in exchange for lease liabilities
-	2,374	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Increase in market value of securities available-for-sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	-	0	0	0	-	0	0	0	-	0	0	0
Mortgage servicing rights recognized
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	-	0	0	0	-	0	0	0	-	0	0	0
Loans transferred to real estate and other assets acquired in foreclosure
35	132	131	131	131	4	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	0	0	-	-	-	-
Stock issued in connection with acquisitions
8,467	16,435	16,435	16,435	16,435	9,030	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Real estate acquired in foreclosure transferred to premises and equipment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-
Employee Stock Ownership Plan shares released
-	-	-	-	-	-	-	-	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	-	0	0	0	-	-	0	0	-	-	-	-