Fsb bancorp, inc. (FSBC)
CashFlow / Quarterly
Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15
Cash Flows from Operating Activities
Net income (loss)

-476

2

-48

9

43

-50

68

74

-187

179

224

-5

415

252

110

77

134

261

31

87

Adjustments to reconcile net income (loss) to net cash flows from operating activities:
Net amortization of premiums and accretion of discounts on investments

-15

-17

-20

-23

-15

-26

-21

-21

-31

-34

-36

-35

-31

-75

-81

-140

-61

-271

-37

-43

Gain on sale of loans

311

278

172

170

339

461

289

348

479

650

691

326

643

749

512

348

493

468

298

219

Proceeds from loans sold

15,114

12,392

7,528

7,689

15,840

21,515

5,451

19,263

17,581

22,104

20,997

11,567

52,032

11,561

863

11,764

70,059

8,547

5,326

3,404

Loans originated for sale

13,307

14,629

8,192

5,725

12,972

18,416

10,218

18,389

15,692

23,222

18,784

13,116

47,846

9,937

2,921

11,443

67,784

8,741

7,252

3,000

Amortization of net deferred loan origination costs

-

-

-59

46

57

9

-51

22

340

-29

-34

-276

-75

-11

-30

-133

-1

-1

-1

-125

Depreciation and amortization

104

108

108

105

107

111

114

113

139

118

96

120

112

109

110

113

116

117

114

106

Provision for loan losses

120

75

25

75

75

75

75

75

75

84

60

52

45

45

45

45

46

37

37

38

Expense related to ESOP

-

17

17

16

-

16

17

23

13

13

13

13

12

10

12

10

10

8

8

9

Stock-based compensation

-

-

-76

-76

-

-

-76

-76

-

-

-

-

-

-

-

-

-

-

-

-

Deferred income tax benefit

-198

-4

-4

-4

-125

-3

-4

-3

264

-56

-4

-38

4

-5

-47

-68

16

-36

-48

-48

Earnings on investment in bank owned life insurance

13

15

15

15

15

16

15

15

15

16

16

15

17

17

16

17

19

18

19

18

Decrease (Increase) in accrued interest receivable

-105

-73

7

102

-60

85

42

-15

26

99

-6

53

10

16

-17

-12

-

-16

51

-38

Decrease in other assets

-90

34

-39

87

-113

-175

64

182

-253

268

158

168

499

-576

890

-41

-281

280

87

313

Increase in other liabilities

744

-111

71

-163

180

-24

193

-15

-418

201

3

-418

338

99

123

71

-339

345

157

2

Net Cash Flows From Operating Activities

2,068

-2,324

-495

1,681

3,020

2,933

-4,566

686

-

-

-

-

-

-

-

-

-

-

-

-

Cash Flows from Investing Activities
Net cash flows from operating activities

-

-

-

-

-

-

-

-

-

-

-

-2,076

4,049

1,978

-2,995

530

2,086

-46

-2,044

254

Purchases of securities available-for-sale

-

-

3,000

2,000

-

-

-

-

0

4,030

2,003

1,500

1,000

5,216

2,453

3,910

-

-

-

-

Proceeds from maturities and calls of securities available-for-sale

4,066

3,000

2,000

1,999

-

-

-

-

-

-

-

-

2,189

3,186

2,077

3,833

1,000

1,000

1,000

1,000

Proceeds from principal paydowns on securities available-for-sale

313

462

470

563

310

676

525

390

617

837

957

873

-1,466

830

911

831

957

1,297

982

938

Proceeds from maturities and calls of securities held-to-maturity

-

-

-

-

-

-

-

-

-

-

-

-

536

956

2,451

3,391

-

-

-

-

Proceeds from principal paydowns on securities held-to-maturity

24

10

9

5

5

5

5

163

12

6

8

82

-325

93

227

31

26

347

80

89

Net decrease (increase) in loans

-1,364

-2,038

-1,356

-1,461

2,694

8,555

4,161

3,883

9,341

11,148

6,377

9,923

12,780

3,850

4,105

4,056

3,168

3,731

5,623

764

Purchase of restricted stock

0

45

144

225

90

497

417

473

-

-

-

-

-

-

-

27

-

-

-

16

Redemption of restricted stock

204

161

414

515

178

264

199

469

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of restricted stock, net

-

-

-

-

-

-

-

-

-

589

-460

483

-

-

-

-

-

-

-

-

Purchase of premises and equipment

37

67

20

9

-15

59

44

24

31

91

69

171

210

236

95

334

31

58

119

153

Net Cash Flows From Investing Activities

2,249

2,559

1,085

2,309

-3,502

-8,166

-4,348

-3,358

-

-

-

-

-

-

-

-

-

-

-

-

Cash Flows from Financing Activities
Net cash flows from investing activities

-

-

-

-

-

-

-

-

-

-

-

-11,122

-14,734

-1,791

-1,824

-241

-4,436

948

-5,115

1,094

Net increase in deposits

2,677

411

7,069

2,788

3,231

-2,580

5,207

66

17,138

-2,282

15,151

3,750

4,406

-33,305

24,244

2,028

5,422

2,456

1,354

1,022

Proceeds from borrowings

4,500

1,000

4,522

12,124

20,750

20,550

13,500

12,500

64,501

9,999

1,000

5,501

9,500

6,000

0

3,500

1,500

0

8,500

2,500

Repayments on borrowings

9,028

3,579

11,072

18,558

22,720

15,372

9,417

12,412

61,077

4,624

3,613

4,053

2,467

6,461

2,456

2,895

1,315

4,701

4,664

2,153

Repayments on short-term borrowings, net

-

-

-

-

-

-

-

-

-

-

-8,000

7,500

-

-

-

-

-

-

-

-

Proceeds on short-term borrowings, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

Net decrease in official bank checks

251

64

-291

-368

-411

877

-357

-175

-1,746

2,080

2

275

-177

266

72

-957

282

473

105

-204

Net Cash Flows From Financing Activities

-1,600

-2,104

228

-4,014

808

3,475

8,933

-21

-

-

-

-

-

-

-

-

-

-

-

-

Net cash flows from financing activities

-

-

-

-

-

-

-

-

-

-

-

12,973

13,262

-20,510

21,860

1,676

4,389

-1,778

5,295

1,165

Change in cash and cash equivalents

-

-

818

-24

-

-

19

-2,693

3,446

-1,278

1,047

-225

2,577

-20,323

17,041

1,965

2,039

-876

-1,864

2,513

Supplementary Cash Flows Information
Interest paid

1,242

1,278

1,300

1,174

1,144

1,043

913

805

-

-

-

-

-

-

-

-

-

-

-

-

Interest

-

-

-

-

-

-

-

-

-

-

-

584

533

515

551

546

534

518

478

464

Taxes paid

-

-

-

6

-298

129

164

43

-

-

-

0

107

25

71

17

-

-

-

-