Enterprise bancorp inc /ma/ (EBTC)
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'11
Cash flows from operating activities:
Net Income (Loss) Attributable to Parent

29,521

34,200

31,961

30,941

30,752

28,881

25,101

22,625

20,646

19,393

21,626

20,834

20,010

18,751

18,519

18,097

16,841

16,148

15,427

14,966

14,765

14,651

14,135

13,837

13,602

13,529

13,279

12,809

12,635

12,375

0

0

0

-

-

-

0

Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses

7,727

1,180

1,180

905

250

2,250

2,450

2,925

2,905

1,430

2,120

2,281

2,268

2,993

3,670

2,534

3,492

3,267

2,330

2,845

1,820

1,395

2,544

2,362

2,696

3,279

2,500

2,717

3,233

2,750

3,393

4,433

4,575

5,197

0

0

0

Depreciation and amortization

6,275

6,142

6,231

6,383

6,572

6,836

6,936

6,994

7,038

7,028

6,944

6,676

6,386

6,081

5,828

5,717

5,639

5,603

5,531

5,461

5,463

5,458

5,418

5,313

5,167

5,015

4,880

4,810

4,681

4,485

4,335

4,210

4,141

4,125

0

0

0

Stock-based compensation expense

1,872

1,872

1,867

1,907

1,889

1,848

1,852

1,818

1,814

1,753

2,318

2,295

2,261

2,380

1,787

1,754

1,758

1,803

1,792

1,790

1,759

1,752

1,748

1,719

1,804

1,662

1,554

1,478

1,292

1,271

0

0

0

-

-

-

-

Bank Owned Life Insurance Income

629

638

649

658

666

672

679

686

693

701

710

718

732

747

759

734

644

553

458

400

405

413

426

438

451

459

468

479

488

506

0

0

0

-

-

-

-

Debt Securities, Realized Gain (Loss), Excluding Other-than-temporary Impairment

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Marketable Securities, Realized Gain (Loss), Excluding Other-than-temporary Impairment Loss

-

-

-

-

-

-

-

0

177

-

676

1,506

1,340

802

1,076

537

930

1,828

2,152

2,360

2,031

1,619

1,038

906

1,247

1,239

1,070

1,025

669

236

241

689

838

791

0

0

0

Stock-based compensation expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Mortgage loans originated for sale

32,076

25,562

20,225

12,937

10,933

13,026

12,637

14,506

17,802

19,820

24,963

29,801

31,154

28,873

25,603

21,029

20,217

23,673

24,929

26,384

24,056

20,864

17,481

17,816

25,915

35,284

50,958

58,134

54,876

54,248

51,420

47,231

42,433

35,717

0

0

0

Proceeds from mortgage loans sold

32,512

26,131

17,871

12,451

10,813

12,793

13,175

15,026

18,965

21,641

26,826

31,594

31,817

29,614

25,268

20,785

20,997

24,827

25,745

28,032

24,805

20,154

17,244

19,685

28,581

43,378

56,631

57,568

56,501

51,741

50,287

46,159

39,227

37,751

0

0

0

Net gains on sales of loans

580

469

325

233

212

260

280

321

411

460

568

678

645

601

511

402

425

492

496

542

489

406

347

383

530

792

1,048

1,088

1,084

989

953

861

707

687

0

0

0

Equity Securities, FV-NI, Gain (Loss)

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Equity Securities, FV-NI, Unrealized Gain (Loss)

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gains (Losses) on Sales of Other Real Estate

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

154

154

154

154

0

0

0

20

121

163

163

112

87

45

45

76

0

0

0

0

Changes in:
Increase in other assets

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Accrued interest receivable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Income on bank-owned life insurance, net of costs

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Accrued interest receivable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

5

462

415

7

412

183

29

289

0

0

0

Prepaid expenses and other assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-2,936

-2,069

-4,110

6,597

1,820

-2,415

-1,583

-6,592

-5,286

2,088

2,275

3,207

3,054

-2,366

1,034

824

0

0

0

Deferred income taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

864

-164

-164

-90

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Accrued expenses and other liabilities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-3,298

2,643

1,363

85

2,264

1,736

1,200

780

6,554

-1,323

2,003

1,387

561

4,423

788

2,456

0

0

0

Subordinated debt issuance costs

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Subordinated debt issuance costs

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Accrued interest payable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1

-298

21

1

-16

-28

-38

-38

-56

-3

-39

-148

0

0

0

-

-

-

-

Increase (decrease) in other liabilities

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Decrease (increase) in other assets

-

-

-

-

-

1,815

-181

-6,074

-1,960

-6,026

-978

1,967

-4,123

2,174

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Increase in other liabilities

-

-

-

-

-

1,812

652

3,795

969

2,357

2,662

1,325

343

701

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by operating activities

0

-

-

-

0

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Accrued interest payable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Net cash provided by operating activities

-

-

-

-

-

-

-

0

35,219

-

0

0

0

-

-

-

-

25,723

20,171

26,863

26,332

13,140

21,544

27,327

25,997

35,784

36,735

13,992

19,762

13,956

14,317

22,789

13,512

20,453

0

0

0

Cash flows from investing activities:
Proceeds from sales of debt securities

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of debt securities

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from maturities, calls and pay-downs of debt securities

52,860

48,805

51,764

46,661

43,159

42,278

38,172

37,988

32,928

32,643

35,357

34,092

32,207

30,930

22,163

22,468

25,073

26,731

31,462

30,811

35,035

40,497

44,504

43,656

34,459

27,923

28,681

35,634

39,052

37,283

39,078

40,694

50,371

55,746

0

0

0

Net purchases of equity securities

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sales of investment securities

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sales of investment securities

-

-

-

-

-

-

-

-

-

-

0

0

14,451

-

16,167

14,847

15,270

25,115

14,719

16,053

33,458

25,371

25,600

23,618

8,662

9,564

8,598

7,985

5,971

3,545

3,649

11,636

11,884

11,344

0

0

0

Net (purchases) proceeds from the sales of FHLB capital stock

4,133

-873

-569

-1,042

-879

142

-4,632

-1,746

-804

3,121

5,341

2,485

381

-956

-2,355

-2,360

-1,446

-307

882

882

-85

-967

-967

-967

316

64

64

64

-252

-480

-480

-480

-480

0

0

0

0

Purchase of investment securities

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of investment securities

-

-

-

-

-

-

-

-

-

-

0

0

124,985

-

100,868

89,850

108,295

108,962

90,106

89,714

93,591

90,918

110,114

92,639

67,833

70,663

49,150

66,387

77,070

83,964

99,589

85,381

79,173

63,085

0

0

0

Net (increase) decrease in loans

300,982

179,623

163,672

117,113

95,764

118,918

109,219

184,281

225,386

247,032

217,044

215,882

200,654

163,426

195,457

162,991

183,957

188,738

178,858

146,644

135,030

150,079

142,087

145,562

144,949

165,135

175,103

157,695

158,008

116,458

75,236

119,120

99,675

111,162

0

0

0

Additions to premises and equipment, net

13,132

12,498

10,487

6,224

5,895

5,297

6,136

7,587

7,068

8,211

7,138

5,903

7,426

7,918

8,001

7,866

6,158

3,938

4,688

5,309

4,708

4,667

5,248

4,642

5,457

6,580

5,881

6,700

5,585

4,330

4,367

3,798

4,532

5,433

0

0

0

Proceeds from OREO sales

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,015

1,015

1,015

901

0

0

0

51

652

1,619

1,619

1,827

1,852

1,160

1,160

1,226

600

0

0

0

Net cash used in investing activities

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from bank-owned life insurance

-

-

-

-

-

-

-

-

-

-

-

-

-

405

405

405

405

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash used in investing activities

-

-

-

-

-

-

-

0

-277,582

-

-273,280

-305,220

-286,788

-252,508

-263,236

-232,017

-267,492

-259,860

-238,728

-195,127

-164,307

-179,286

-186,835

-174,602

-175,383

-204,303

-191,300

-185,853

-193,806

-161,837

-135,070

-154,329

-119,419

-111,990

0

0

0

Cash flows from financing activities:
Net increase in deposits

156,684

221,948

172,681

169,794

184,777

123,420

309,039

306,572

296,477

172,441

81,064

169,352

187,175

250,773

257,994

224,932

222,443

249,602

194,819

212,704

186,728

132,554

114,849

167,501

193,898

160,965

183,521

125,681

79,661

141,869

124,938

133,653

119,961

89,087

0

0

0

Net decrease in borrowed funds

83,681

-4,319

3,680

-17

488

11,492

-148,758

-43,754

-46,671

78,329

148,584

43,584

46,000

-43,000

-23,500

-645

-229

-5,229

23,167

832

-6,584

22,366

-876

-1,396

-36,866

9,994

-1,114

-989

41,481

22,046

-1,500

-1,910

-2,673

-11,047

0

0

0

Repayment of subordinated debt

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

10,825

10,825

10,825

10,825

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from the issuance of subordinated debt

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

15,000

15,000

15,000

15,000

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Cash dividends paid, net of DRP

6,560

6,371

6,019

5,827

5,334

5,443

5,145

5,012

4,881

4,747

6,164

6,085

5,886

5,684

5,491

5,301

5,229

5,158

5,084

5,007

4,931

4,853

4,778

4,706

4,619

4,535

4,449

4,361

4,288

4,215

4,147

4,080

4,012

3,945

0

0

0

Proceeds from issuance of common stock

68

69

-106

-112

-306

121

84

172

147

96

1,546

1,523

21,215

21,183

21,178

21,163

1,432

1,448

1,452

1,404

1,349

1,283

1,208

1,218

1,227

1,239

1,266

1,269

1,271

1,274

1,268

1,263

1,259

1,254

0

0

0

Net settlement for employee taxes on restricted stock and options

344

402

527

550

513

559

540

491

523

931

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from stock option exercises

-

-

-

-

-

-

0

0

402

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repurchases for tax withholdings on options and restricted stock awards, net of proceeds from exercise of stock options

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net proceeds from stock option exercises

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

1,953

1,125

582

509

281

173

362

309

0

0

0

Tax benefit from stock-based compensation

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

320

4

21

27

25

25

8

2

2

1

1

5

4

0

0

0

Exercise of stock options, net of repurchases for tax withholdings and tax benefit on stock options and restricted stock

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by financing activities

-

-

-

-

-

-

-

0

244,951

-

225,254

208,786

248,811

224,165

250,600

240,321

218,741

245,486

219,576

215,174

181,834

152,559

111,151

164,298

155,862

169,517

181,202

122,733

118,709

161,485

120,841

129,100

114,902

75,662

0

0

0

Net increase in cash and cash equivalents

-

-

-

-

-

-

-

0

2,588

-

-11,469

-66,099

-4,640

-1,020

6,374

26,201

-32,230

11,349

1,019

46,910

43,859

-13,587

-54,140

17,023

6,476

998

26,637

-49,128

-55,335

13,604

88

-2,440

8,995

-15,875

0

0

0

Net cash provided by financing activities

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net increase in cash and cash equivalents

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash Paid For: Interest

-

-

-

-

-

-

-

-

-

-

6,659

6,107

5,698

5,536

5,349

5,265

5,192

5,467

5,197

5,534

5,290

5,242

5,276

5,299

5,312

5,369

5,512

5,680

6,061

6,643

5,854

6,684

7,217

7,542

0

0

0

Cash Paid For: Income taxes

-

-

-

-

-

-

-

-

-

-

10,672

10,682

10,992

10,868

10,324

8,995

7,643

7,594

6,582

7,311

7,433

7,466

7,883

6,754

7,141

7,342

6,760

7,060

5,300

6,611

7,206

7,968

8,614

7,112

0

0

0

Net purchases of (sales proceeds from) investment securities not yet settled

-

-

-

-

-

-

-

-

-

-

115

-6,094

-173

-301

3,511

2,302

159

2,296

0

0

0

-

-

-2,734

3,370

703

-5,148

4,978

-3,086

0

0

0

0

-

-

-

-

Purchase of investment securities not yet settled

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

Transfer from loans to other real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

168

343

342

343

575

795

1,620

1,620

1,220

0

0

0

Capital expenditures incurred not yet paid

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-