Evans bancorp inc (EVBN)
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
OPERATING ACTIVITIES:
Interest received

65,681

65,036

64,405

61,820

59,536

57,605

54,617

52,344

49,619

47,028

45,186

43,121

41,281

39,570

38,373

36,906

35,878

35,044

35,037

34,689

34,858

34,707

33,620

33,118

32,643

32,176

32,482

32,747

32,908

33,281

33,277

32,929

32,593

32,236

0

0

0

Fees received

17,561

17,872

17,467

16,061

15,989

14,960

14,221

13,812

13,604

13,419

13,286

12,823

12,210

11,839

11,943

12,478

12,779

12,719

12,448

12,159

11,896

12,505

13,161

14,332

14,873

14,786

14,316

12,797

12,198

12,004

12,288

12,321

12,363

12,846

0

0

0

Interest paid

12,020

12,771

12,145

11,312

10,268

9,140

7,790

6,872

6,239

5,631

5,270

4,965

4,822

4,627

4,414

4,206

4,068

3,896

3,770

3,704

3,566

3,607

3,697

3,780

3,860

4,070

4,415

4,794

5,227

5,630

5,978

6,491

6,737

7,016

0

0

0

Cash paid to employees and vendors

44,409

45,732

48,002

44,129

42,865

41,302

40,710

40,039

38,784

37,778

36,665

36,195

35,639

33,876

33,265

33,155

33,207

32,658

31,341

30,033

28,854

29,418

29,962

31,318

29,026

28,667

28,269

26,132

27,554

26,603

25,200

24,713

24,656

23,583

0

0

0

Cash contributed to pension plan

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

185

0

0

0

-

-

-

-

-

-

-

-

Income taxes paid

0

-

-

-

-

-3,314

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Income taxes paid

-

-

-

-

-

-

-

-

-

-

-

0

1,530

-

3,323

2,628

2,958

2,950

318

674

1,899

2,858

2,716

2,372

2,401

1,902

3,253

3,241

2,941

3,200

3,295

3,566

3,425

3,004

0

0

0

Proceeds from sale of loans held for sale

14,676

13,008

0

0

0

-

-

-

-

11,487

14,268

11,637

11,683

9,775

6,690

8,195

12,675

14,453

0

0

0

-

-

-

-

776

7,404

13,543

18,561

24,035

25,923

22,419

23,232

24,267

0

0

0

Originations of loans held for sale

14,528

13,238

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Originations of loans held for resale

-

-

-

-

-

-

-

-

-

-

11,723

11,522

12,486

9,467

8,876

7,631

9,789

14,449

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Originations of loans held for resale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

4,486

12,569

17,150

20,915

22,861

17,796

19,030

24,811

0

0

0

Net cash provided by operating activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

11,145

-

12,578

11,638

9,913

11,021

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by operating activities

23,756

21,073

23,906

26,045

25,426

25,123

18,401

17,902

15,205

13,480

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

12,151

10,330

12,602

13,814

14,673

14,220

10,815

0

0

0

INVESTING ACTIVITIES:
Available for sales securities: Purchases

84,670

48,916

46,893

32,631

10,578

47,863

47,863

61,055

91,442

65,889

65,889

52,697

27,782

25,953

26,457

30,544

45,188

28,961

0

0

0

-

-

-

-

27,055

22,990

19,757

18,495

32,767

41,958

45,273

39,357

31,627

0

0

0

Available for sales securities: Proceeds from sales, maturities, calls, and payments

53,239

41,332

55,087

43,394

33,265

60,869

55,449

56,278

42,485

13,014

18,846

17,130

25,003

25,230

26,037

27,466

28,192

26,760

27,153

27,372

17,125

20,217

15,162

15,220

17,534

15,750

18,740

17,282

35,099

40,349

42,365

44,881

27,964

21,610

0

0

0

Held to maturity securities: Purchases

1,879

1,592

0

0

0

-

-

-

-

4,345

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,118

3,363

2,678

2,768

2,475

0

0

0

Held to maturity securities: Proceeds from maturities, calls, and payments

931

891

465

3,629

3,678

4,278

4,264

1,046

995

995

1,014

1,051

1,099

500

540

530

619

619

697

806

1,403

1,403

2,765

2,825

2,302

2,302

2,500

2,702

2,791

3,176

1,717

1,419

1,135

778

0

0

0

Cash paid for bank-owned life insurance

-

360

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from bank-owned life insurance claims

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Additions to properties and equipment

4,705

4,640

4,862

1,354

1,370

1,106

882

586

589

483

481

597

1,208

1,452

1,962

2,508

2,077

1,888

1,402

804

465

580

1,314

1,024

1,627

1,448

1,116

2,138

1,932

2,002

1,638

1,113

761

726

0

0

0

Purchase of tax credit investment

0

-

-

-

3,767

3,877

0

0

0

-

-

-

-

2,078

971

972

792

1,100

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Insurance agency acquisition

0

-

-

-

-

-

-

-

-

275

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net increase in loans

59,885

68,890

64,031

85,732

72,882

91,873

156,379

149,788

166,801

120,438

86,465

122,003

146,807

167,901

179,289

142,904

98,022

78,441

45,725

45,997

38,043

47,941

57,250

54,730

71,908

64,280

29,487

10,614

9,737

2,974

34,713

61,370

53,540

56,765

0

0

0

Net cash used in investing activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-116,722

-

-52,117

-50,159

-42,800

-44,810

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net cash used in investing activities

-88,456

-69,882

-62,024

-80,149

-55,908

-82,567

-158,221

-166,707

-228,218

-186,523

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-15,225

5,036

2,664

-37,590

-65,364

-68,557

-70,435

0

0

0

FINANCING ACTIVITIES:
Proceeds (repayments) from short-term borrowings, net

90

-717

4,438

-50

-59,302

-84,397

-30,001

-10,063

50,105

59,180

0

0

0

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from (repayments of) borrowings, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

467

-4,422

-5,409

-8,760

0

0

0

-

-

-

-

-

-

-

-

Repayments of borrowings

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

0

0

0

Net increase in deposits

51,874

52,382

43,183

100,443

141,290

163,829

183,304

163,412

156,456

111,255

134,354

149,171

128,928

136,992

115,662

95,719

68,691

95,347

72,507

66,996

58,413

1,023

7,171

14,756

23,645

27,620

29,895

38,494

48,620

62,790

59,492

67,153

64,533

71,745

0

0

0

Repurchase of treasury stock

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

210

210

18

34

1,436

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Issuance of common stock

1,280

1,178

1,473

1,339

1,000

1,025

699

691

605

14,804

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Reissuance of treasury stock

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

443

498

564

552

515

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by financing activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

78,275

-

67,740

66,657

46,736

2,733

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by financing activities

48,152

47,751

44,340

96,978

78,560

76,029

149,887

149,925

203,216

181,289

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

31,666

41,364

60,533

58,387

67,061

67,085

60,576

0

0

0

Net increase in cash and cash equivalents

-16,548

-1,058

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net increase (decrease) in cash and cash equivalents

-

-

-

-

-

-

-

-

-9,797

-

-1,172

4,115

-3,157

-9,537

-21,192

-37,035

-27,302

11,723

28,201

28,136

13,849

-31,056

-51,224

-52,148

-53,753

-48,523

-1,538

28,592

56,730

75,799

34,611

16,370

12,748

956

0

0

0

RECONCILIATION OF NET INCOME TO NET CASH PROVIDED BY OPERATING ACTIVITIES:
Net income

13,498

17,014

17,717

17,348

16,757

16,356

12,897

11,825

10,652

10,479

11,826

10,319

9,704

8,272

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

7,549

7,710

8,054

7,857

8,312

7,997

7,569

8,132

7,348

7,139

6,616

6,112

0

0

0

Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization

2,082

2,049

1,978

1,967

1,884

1,825

1,781

1,744

1,776

1,762

1,808

1,782

1,627

1,554

1,472

1,415

1,516

1,513

1,498

1,491

1,507

1,573

1,766

1,807

1,851

1,996

2,045

2,117

2,182

2,125

2,436

2,358

2,127

1,996

0

0

0

Deferred tax (benefit) expense

-1,584

-571

-120

170

363

495

2,734

2,841

2,927

3,150

970

393

260

-71

124

914

974

980

-833

-1,028

-1,405

-1,460

-447

-729

-494

-372

156

257

561

539

118

-33

-321

-322

0

0

0

Provision for loan losses

2,536

75

-79

604

1,173

1,402

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Provision (credit) for loan losses

-

-

-

-

-

-

-

-

-

-

-

-

566

-

1,042

432

1,223

1,216

1,586

1,517

1,277

1,229

891

1,338

1,243

1,540

1,174

410

631

-68

890

1,039

1,747

2,484

0

0

0

Loss on tax credit investment

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Changes in refundable state historic tax credit

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on loans sold

179

154

0

0

0

-

-

-

-

156

145

119

96

93

97

96

126

133

0

0

0

-

-

-

-

25

0

0

0

-

-

-

-

188

0

0

0

Change in fair value of equity securities

-

-

-

-

-

244

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Stock compensation expense

993

937

886

841

806

791

758

727

673

623

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Premium on loans sold

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

Stock options and restricted stock expense

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

496

-

497

507

483

465

438

397

376

352

338

330

309

305

307

298

288

274

0

0

0

Proceeds from sale of loans held for sale

14,676

13,008

0

0

0

-

-

-

-

11,487

14,268

11,637

11,683

9,775

6,690

8,195

12,675

14,453

0

0

0

-

-

-

-

776

7,404

13,543

18,561

24,035

25,923

22,419

23,232

24,267

0

0

0

Originations of loans held for sale

14,528

13,238

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Originations of loans held for resale

-

-

-

-

-

-

-

-

-

-

11,723

11,522

12,486

9,467

8,876

7,631

9,789

14,449

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Originations of loans held for resale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

4,486

12,569

17,150

20,915

22,861

17,796

19,030

24,811

0

0

0

Cash contributed to pension plan

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

185

0

0

0

-

-

-

-

-

-

-

-

Changes in assets and liabilities affecting cash flow:
Other assets

645

4,948

5,652

7,150

6,874

3,406

4,293

3,272

3,134

2,975

2,316

2,300

3,618

2,156

2,911

2,452

2,329

2,563

4,334

4,375

2,215

2,919

-342

2,660

1,797

2,119

4,931

2

1,988

1,062

-2,585

75

598

-636

0

0

0

Other liabilities

6,456

6,903

4,720

6,233

5,528

2,183

-244

670

-1,535

-1,766

-52

-1,657

1,441

1,059

669

663

-413

-523

3,466

3,523

2,228

1,751

-1,746

417

1,256

1,354

3,629

259

186

-25

-2,372

-96

374

393

0

0

0

NET CASH PROVIDED BY OPERATING ACTIVITIES

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

11,145

-

12,578

11,638

9,913

11,021

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

NET CASH PROVIDED BY OPERATING ACTIVITIES

23,756

21,073

23,906

26,045

25,426

25,123

18,401

17,902

15,205

13,480

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

12,151

10,330

12,602

13,814

14,673

14,220

10,815

0

0

0