Entegra Financial Corp. ENFC Cash Flow

Entegra financial corp. (ENFC)

CashFlow / TTM

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
Cash flows from operating activities:
Net income
13,699	13,225	14,148	13,915	6,898	5,846	4,861	2,579	8,225	7,554	6,310	6,376	5,964	6,329	22,576	23,825	23,187	22,904	6,467	5,943	0	0	0
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization and accretion
1,446	1,311	294	247	256	85	654	547	-1,425	-1,020	-879	-631	781	623	758	695	967	948	907	875	0	0	0
Investment amortization, net
-3,298	-3,366	-3,529	-3,522	-3,772	-4,142	-4,309	-4,613	-4,473	-3,487	-3,079	-2,445	-5,067	-4,310	-2,929	-2,046	1,194	377	-513	-1,159	0	0	0
Equity securities losses (gains)
27	-193	-127	344	-424	-371	-426	-686	-502	-457	-461	-328	-271	-178	-74	0	0	0	0	-	-	-	-
Provision for loan losses
393	729	956	1,201	1,791	1,975	1,943	1,897	1,334	914	589	274	100	0	0	-1,500	-1,494	-1,478	-1,472	33	0	0	0
Provision for real estate owned
-	-	-	98	208	208	232	292	247	314	391	655	575	667	479	250	1,091	1,343	1,827	2,349	0	0	0
Amortization of core deposit intangible
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-
Stock compensation expense
1,183	1,150	1,118	1,085	1,002	974	945	917	896	895	885	864	0	0	0	-	-	0	0	-	-	-	-
Deferred tax expense
2,354	2,193	2,485	2,335	6,598	7,264	7,599	7,097	2,967	2,564	2,484	2,922	2,557	2,423	-15,936	-16,437	-16,336	-16,897	2,196	2,121	0	0	0
Loss on sale of investments, net
-	-	-	-543	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase (decrease) in deferred loan fees
-	-	-	-	-	-	-	-	-	-	-	-	-	-	694	-	247	-303	-626	-237	0	0	0
Loss (gain) on sales of securities available for sale
-	-	-	-	-	-	-	-	-	0	954	-	1,186	814	508	403	327	565	759	657	0	0	0
Other than temporary impairment
-	-	-	-	-	-	-	757	0	0	700	-	0	0	0	-	-	-	-	76	0	0	0
Income on bank owned life insurance, net
837	843	852	872	789	802	822	803	781	683	563	489	421	421	436	441	398	451	455	456	0	0	0
Mortgage banking
1,282	1,040	982	958	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Mortgage banking income, net
-	-	-	-	-	-	-	-	-	0	984	-	897	794	659	774	853	714	861	800	0	0	0
Gain on sale of SBA loans
398	365	577	558	657	690	465	546	622	456	736	928	884	1,227	946	823	1,221	769	766	629	0	0	0
Net realized gain on sale of real estate owned
38	-7	26	4	69	244	252	268	255	85	78	222	186	216	191	71	67	-26	-37	-49	0	0	0
Loans originated for sale
47,140	47,570	48,828	49,063	51,908	49,866	49,541	50,644	37,604	50,180	48,204	40,288	50,822	35,596	33,878	35,649	32,940	35,394	30,519	31,939	0	0	0
Proceeds from sale of loans originated for sale
39,937	42,674	45,203	46,854	53,515	50,186	49,428	51,904	42,621	54,233	51,706	45,884	48,946	39,952	37,481	39,659	42,706	35,223	31,770	28,295	0	0	0
Net change in operating assets and liabilities:
Accrued interest receivable
5	1,024	1,130	1,038	297	70	-173	-32	1,127	951	919	906	391	472	672	629	359	565	308	252	0	0	0
Loan servicing rights
-251	-122	27	81	58	-33	88	153	287	326	240	259	108	234	166	157	254	69	181	304	0	0	0
Other assets
2,511	2,749	5,300	2,724	2,421	2,653	1,368	-675	-1,014	-2,137	-2,674	-2,053	-636	454	-93	1,056	1,042	560	733	544	0	0	0
Postemployment benefits
-682	-597	-601	-869	-258	-222	-198	-37	-104	-90	-44	-13	173	278	362	465	226	40	-124	-440	0	0	0
Accrued interest payable
372	546	408	712	360	266	111	276	349	62	-31	11	9	19	-80	-110	-2,062	-1,852	-1,696	-1,700	0	0	0
Other liabilities
1,060	3,191	-4,095	-4,353	-4,416	-6,414	55	486	-890	76	653	628	-110	-1,190	-1,737	-973	479	800	470	18	0	0	0
Net cash provided by operating activities
10,583	13,667	5,713	9,842	12,677	9,289	16,097	17,825	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by operating activities
-	-	-	-	-	-	-	-	-	-	-	-	0	0	10,308	-	12,945	3,921	7,747	3,442	0	0	0
Cash flows from investing activities:
Activity for investment securities:
Purchases
-	-	-	123,100	132,827	146,571	121,877	153,612	243,218	248,555	266,758	267,263	183,877	143,170	146,408	129,960	141,326	163,031	140,755	115,617	0	0	0
Maturities/calls and principal repayments
28,118	29,753	38,417	40,098	41,469	46,675	43,981	43,646	52,741	42,708	39,769	46,246	38,660	49,508	59,506	56,638	57,376	50,465	39,101	30,484	0	0	0
Sales
-	-	-	55,428	131,004	187,905	161,831	169,146	101,811	85,956	107,430	124,823	120,502	89,024	60,542	39,022	34,185	29,452	25,426	19,170	0	0	0
Net increase in loans
8,510	35,083	42,543	70,310	91,084	98,343	116,830	100,015	87,548	72,044	62,111	56,829	59,282	67,002	67,930	59,002	47,126	30,555	17,068	17,477	0	0	0
Proceeds from sale of real estate owned
600	386	417	738	463	1,153	1,668	1,528	1,675	1,721	2,139	2,173	2,255	2,157	1,385	1,495	2,411	2,781	3,265	4,355	0	0	0
Proceeds from settlement of BOLI policies
0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchased loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	25,189	0	0	0	-	-	0	0
Net cash received in branch acquisition
-	-	-	-	-	-	-	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-
Proceeds from sale of fixed assets
-	-	-	-	-	-	-	64	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of fixed assets
253	2,776	3,391	3,697	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of fixed assets
-	-	-	-	-	-	-	-	-	-	-	-	867	1,255	1,286	3,556	2,980	2,903	3,058	881	0	0	0
Purchase of Small Business Investment Company Holdings, at cost
-1,384	-1,095	-747	-348	-519	-766	-886	-1,836	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sale of other investment
-	-	-	-	-	-	-	3,478	0	0	3,053	-	0	0	0	150	154	154	154	213	0	0	0
Purchase of other investments, at cost
-	-	53	78	78	503	503	425	4,250	4,463	5,333	5,873	2,813	2,812	3,876	4,076	4,211	4,136	2,202	1,462	0	0	0
Net cash provided by (used in) investing activities
5,226	-52,534	-62,283	-100,844	-56,804	-13,758	-35,771	105,172	-30,915	-57,064	-53,011	-173,546	-78,032	-55,182	-80,761	-95,350	0	0	0	-	-	-	0
Cash flows from financing activities:
Net increase in deposits
24,138	26,667	41,038	60,047	85,731	41,202	52,517	12,501	13,477	30,776	24,665	24,973	25,455	7,918	-19,031	-26,372	-28,539	-20,759	14,728	18,855	0	0	0
Net increase in escrow deposits
148	176	78	-39	396	309	326	234	535	469	107	-26	321	108	65	-23	69	125	136	36	0	0	0
Net (decrease) increase in other borrowings
-4,932	-4,991	300	677	807	6,006	6,252	5,897	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from FHLB advances
310,500	330,500	381,000	371,000	426,500	601,501	679,501	979,501	1,159,001	1,074,100	1,010,600	795,600	520,100	440,100	345,600	245,600	190,600	120,500	45,000	20,000	0	0	0
Repayment of FHLB advances
318,500	338,500	391,000	381,000	446,500	611,501	679,501	1,054,501	1,134,001	1,044,100	959,625	659,625	456,125	376,125	257,100	152,100	95,100	40,000	10,000	0	0	0	0
Cash received (paid for shares surrendered) upon exercise of stock options
-	-	-	116	111	111	111	-6	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Cash paid for shares surrendered upon vesting of restricted stock
-221	-171	-157	-147	-151	-170	-160	-149	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from other borrowings
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-
Proceeds from sale of common stock
-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-
Repurchase of common stock
-	-	-	-	-	-	-	301	0	0	0	-	-	-	-	0	0	0	0	-	-	-	-
Net cash provided by financing activities
11,122	13,670	31,258	50,654	66,894	37,477	59,054	-56,824	44,550	61,566	75,065	159,527	90,280	72,530	70,539	69,024	0	0	0	-	-	-	0
Increase (decrease) in cash and cash equivalents
26,931	-25,197	-25,312	-40,348	22,767	33,008	39,380	66,173	32,469	22,166	38,317	2,644	19,619	28,950	-1,729	-18,332	-41,648	-10,780	12,690	24,701	0	0	0
Supplemental disclosures of cash flow information:
Cash paid during the year for:
Interest on deposits and other borrowings
18,893	17,992	16,123	13,522	11,196	9,358	8,296	7,407	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Interest on deposits and other borrowings
-	-	-	-	-	-	-	-	-	-	-	-	0	0	5,620	-	8,061	8,238	8,183	8,273	0	0	0
Income taxes
0	0	0	-	-	-	-	208	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Noncash investing and financing activities:
Real estate acquired in satisfaction of mortgage loans
-	-	-	1,761	1,758	1,487	1,487	958	752	295	460	748	1,018	2,334	2,541	3,350	3,714	2,826	2,903	2,200	0	0	0
Loans originated for disposition of real estate owned
439	1,159	1,159	1,004	774	54	1,055	1,001	0	0	0	-	-	-	-	3,260	1,157	1,527	1,718	1,596	0	0	0
Loan sales/investments to be settled
-	-	-	-	-	-	-	2,020	0	0	0	-	-	0	0	-	-	-	0	-	-	-	0
Transfer held to maturity investment securities to available for sale investments securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4,473	0	0	0
Assets acquired
-	-	-	-	-	-	-	193,191	3,987	3,811	73,600	110,010	0	0	0	-	-	-	-	-	-	-	-
Liabilities assumed
-	-	-	-	-	-	-	325,138	-154,505	-154,504	-96,547	97,878	0	0	0	-	-	-	-	-	-	-	-
Net assets/(liabilities)
-	-	-	-	-	-	-	-131,947	-150,518	-150,695	-138,863	12,132	0	0	0	-	-	-	-	-	-	-	-
Participation loans not qualified for sale accounting
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	0
Purchased loans and investments to be settled
-	-	-	-	-	-	-	2,020	0	0	0	-	-	-	-	-	-	-	-	-	-	-	0