First Savings Financial Group, Inc. FSFG Cash Flow

First savings financial group, inc. (FSFG)

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
CASH FLOWS FROM OPERATING ACTIVITIES
Net income
13,128	17,494	16,995	14,275	12,989	11,947	12,336	11,731	10,497	10,469	9,313	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6,933	6,902	6,794	6,751	6,293	5,553	5,562	5,390	5,389	5,074	4,708	4,696	4,468	4,599	4,393	4,287	3,983	3,834	3,840	4,014	0	0	0
Adjustments to reconcile net income to net cash used in operating activities:
Provision for loan losses
3,018	1,653	1,463	1,246	1,175	1,206	1,353	1,398	1,453	1,457	1,301	1,211	1,193	943	637	660	565	652	859	969	1,061	1,152	1,246	1,200	1,460	1,707	1,858	2,197	1,945	1,665	1,532	1,428	1,555	1,572	1,605	0	0	0
Depreciation and amortization
1,585	1,609	1,684	1,599	1,599	1,557	1,373	1,288	1,216	1,171	1,164	1,229	1,306	1,387	1,461	1,474	1,468	1,462	1,452	1,442	1,462	1,456	1,445	1,464	1,401	1,321	1,241	1,117	1,037	994	996	965	971	959	903	0	0	0
Amortization of premiums and accretion of discounts on securities, net
-506	-467	-477	-487	-201	-215	-235	-304	-607	-647	-702	-619	-657	-622	-553	-572	-556	-630	-679	-734	-727	-618	-643	-597	-563	-652	-615	-612	-522	-434	-384	-281	-175	-43	126	0	0	0
Decrease in trading account securities
-	-	-	-	-	-	-7,175	-5,819	-639	-2,499	-2,080	-2,983	-2,743	1,628	211	32	3,902	2,830	3,725	3,516	130	526	2,109	2,977	1,248	723	-352	146	3,851	3,431	3,562	0	0	0	-	-	-	-
Amortization and accretion of fair value adjustments on loans, net
821	746	664	646	649	575	517	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loans originated for sale
1,849,991	1,414,621	939,608	500,544	252,658	145,510	115,065	109,887	107,234	105,801	89,738	72,646	59,271	53,836	27,572	31,856	26,493	21,599	16,980	10,119	9,498	8,336	8,458	9,784	12,937	14,503	16,435	17,024	13,526	12,282	10,087	6,349	4,998	5,296	9,839	0	0	0
Proceeds on sales of loans
1,778,600	1,377,984	904,692	448,495	236,264	143,714	115,980	117,701	110,259	102,015	75,638	58,231	51,246	40,653	28,797	26,662	21,239	19,776	11,324	10,251	9,539	8,729	8,863	10,182	13,946	15,232	17,189	17,380	13,332	12,456	9,641	7,718	6,455	8,017	13,229	0	0	0
Net realized and unrealized gain on loans held for sale
47,238	38,868	29,753	20,244	11,647	8,696	7,080	6,495	5,888	5,383	4,734	3,402	2,859	1,920	1,145	1,430	1,017	969	824	316	302	295	287	287	450	480	510	497	303	270	197	139	222	216	288	0	0	0
Net realized and unrealized gain on other real estate owned
66	51	78	62	24	62	215	214	244	237	170	207	187	208	49	-18	17	-36	1	-108	-81	-114	-73	117	19	123	42	33	0	-101	-39	0	0	0	-	-	-	-
Unrealized loss on derivative contract
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-16	-4	-2	0	0	-20	-31	-39	-62	-80	-80	-27	0	0	0
Net realized and unrealized loss on foreclosed real estate
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Net gain on sales of available for sale securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	123	123	1	1	1	13	31	31	30	54	36	36	104	0	0	0
Gain on life insurance
-	-	-	-	-	-	-	-	-	-	-	189	189	189	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Increase in cash surrender value of life insurance
678	631	580	520	475	434	430	440	433	431	433	428	434	442	448	453	461	466	479	496	510	527	496	462	427	406	387	357	331	290	289	0	0	0	-	-	-	-
Net loss on equity securities
0	0	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net (gain) loss on sale of premises and equipment
13	26	31	21	19	19	25	28	30	38	38	2,060	2,053	2,037	2,030	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Increase in cash surrender value of life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Deferred income taxes
643	830	507	-832	-360	-613	235	1,426	2,249	2,299	1,836	1,738	-1,771	-2,000	-2,431	-2,628	12	35	-36	-16	96	111	150	384	1,035	1,003	513	154	-619	-656	160	295	437	540	565	0	0	0
Stock compensation expense
265	255	246	240	231	222	217	212	206	205	176	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
ESOP and stock compensation expense
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	756	928	1,140	1,108	1,181	1,208	1,192	1,127	1,119	1,108	1,099	1,063	1,040	1,019	996	664	654	647	645	677	0	0	0
Increase in accrued interest receivable
555	766	754	871	728	488	562	678	420	647	592	453	345	413	151	231	272	227	144	80	4	-16	120	36	36	80	-21	4	188	24	144	58	-168	118	-194	0	0	0
Increase (decrease) in accrued interest payable
-538	-224	192	955	1,009	666	459	162	100	128	88	78	15	15	9	8	21	12	11	16	-3	-3	-9	-23	-26	-43	-52	-84	-90	-115	-185	-165	-143	-102	-28	0	0	0
Change in other assets and liabilities, net
-1,241	-4,529	-628	-4,437	-5,598	-4,101	-3,085	-1,543	1,896	474	-1,181	789	2,098	1,170	1,001	858	-847	725	-273	-822	-147	-801	-793	-1,798	-1,144	-1,753	-1,801	-470	-1,974	-1,759	-1,404	-1,262	-1,259	-505	-269	0	0	0
Net Cash Used In Operating Activities
-101,034	-51,255	-44,725	-52,196	-2,335	13,281	17,965	23,177	10,855	7,994	-2,229	0	0	0	-	-	-	-	-	-	-	-	-	8,340	10,591	11,118	11,922	9,277	5,185	5,406	4,328	7,228	9,928	10,324	11,007	0	0	0
CASH FLOWS FROM INVESTING ACTIVITIES
Net Cash Provided By (Used In) Operating Activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	2,890	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Investment in interest-bearing time deposits
-885	-1,085	-1,085	-1,330	-1,180	-980	-980	-500	-700	-945	-455	0	0	0	-	-	-	-	-1,600	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sales and maturities of interest-bearing time deposits
838	1,083	838	1,486	993	4,489	4,734	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from maturities of interest-bearing time deposits
-	-	-	-	-	-	-	-	-	-	-	0	0	245	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Investment in interest-bearing time deposits
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of securities available for sale
33,558	20,474	24,448	27,115	52,155	54,438	50,020	50,065	31,884	24,895	32,005	31,148	21,657	23,274	15,659	15,506	22,269	21,544	23,669	25,052	26,316	31,063	41,765	40,878	38,734	32,371	50,951	53,104	80,263	87,918	76,777	78,868	58,457	52,073	48,970	0	0	0
Proceeds from sales of securities available for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	808	808	303	303	801	2,548	3,066	3,066	2,265	3,699	3,181	3,181	7,095	0	0	0
Proceeds from maturities of securities available for sale
0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from maturities of securities available for sale
-	-	-	-	-	-	-	-	3,115	3,460	3,665	4,160	3,160	2,720	6,725	8,205	10,505	11,160	11,227	11,844	13,544	13,049	9,660	6,323	4,156	5,991	12,223	15,713	13,880	12,555	12,698	19,173	30,870	32,907	25,908	0	0	0
Proceeds from maturities of securities held to maturity
247	240	240	239	239	232	227	219	214	208	208	372	372	1,381	1,381	1,447	1,447	666	666	656	656	629	698	608	858	841	767	828	639	640	620	0	0	0	-	-	-	-
Principal collected on securities
0	0	-	0	0	0	-	0	0	14,594	-	17,531	17,123	17,679	14,894	14,981	16,904	18,812	18,814	18,304	16,114	13,859	14,219	14,853	16,789	18,632	19,910	20,428	21,145	22,255	22,125	19,955	16,295	12,998	12,108	0	0	0
Net increase in loans
118,127	120,046	108,847	106,232	83,176	85,659	85,798	96,985	102,232	85,808	71,583	64,879	63,563	67,015	52,721	46,358	33,356	19,343	24,519	25,717	18,315	23,841	27,775	21,309	36,507	28,463	21,670	9,522	11,015	7,258	4,732	15,965	15,789	19,797	14,540	0	0	0
Purchase of Federal Reserve Bank stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	945	945	945	945	0	100	100	100	100	0	500	500	1,000	0	0	0	-	-	-	-
Proceeds from redemption of Federal Reserve Bank stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of Federal Home Loan Bank stock
5,788	3,319	2,785	0	0	0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Investment in cash surrender value of life insurance
0	0	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5,000	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of Federal Home Loan Bank stock
-	-	-	-	-	-	-	-	0	0	-	0	0	0	-	-	-	-	533	1,303	1,303	1,303	1,017	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Investment in cash surrender value of life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	0	0	0	-	-	-	-
Proceeds from life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	425	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Investment in historic tax credit entity
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	417	417	417	417	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from redemption of Federal Home Loan Bank stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	121	0	0	0
Proceeds from sale of other real estate owned
123	129	178	178	123	171	606	628	724	692	208	0	0	0	-	-	-	-	809	0	0	0	-	-	-	-	-	-	-	-	468	409	840	996	1,200	0	0	0
Proceeds from sale of other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Investment in real estate development and construction
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	216	230	725	1,745	2,727	3,139	3,505	2,406	4,538	0	0	0	-	-	-	-
Purchase of premises and equipment
6,849	6,054	9,496	9,202	8,943	9,038	1,594	955	867	406	426	519	354	442	353	348	472	496	475	393	230	63	342	4,047	4,485	4,662	4,745	1,532	1,178	1,011	856	737	913	1,203	1,562	0	0	0
Proceeds from sales of premises and equipment
141	141	74	82	102	102	51	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Cash Used In Investing Activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-9,566	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Cash Used In Investing Activities
-134,137	-125,660	-112,127	-90,770	-97,540	-56,555	-50,492	-84,172	-71,501	-90,612	-78,235	0	0	0	-	-	-	-	-	-	-	-	-	-49,823	-64,075	-46,497	-50,240	50,601	20,289	16,443	30,905	-57,024	-27,436	-26,655	-18,626	0	0	0
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits
112,536	53,525	23,272	53,391	65,983	64,859	49,965	69,089	35,777	50,503	89,915	99,798	63,823	91,036	46,170	45,147	30,485	18,163	103	3,760	13,047	24,225	55,468	40,812	28,635	-351	-16,508	-35,157	-30,992	5,711	-9,933	25,690	40,715	-4,403	21,465	0	0	0
Net decrease in federal funds purchased
0	0	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in repurchase agreements
-	-	-	-	-	-	4	4	3	3	3	3	4	4	3	3	3	3	4	4	4	3	3	3	4	6	6	7	7	7	-15,074	-15,180	-15,287	-15,393	-418	0	0	0
Increase (decrease) in Federal Home Loan Bank line of credit
-5,938	-7,453	12,544	14,255	-8,285	17,019	-18,065	0	1,173	-4,996	-3,568	-5,265	13,050	-4,139	6,766	639	-1,554	4,272	5,319	-123	-9,190	-12,702	200	-6,610	10,671	17,565	9,348	6,396	110	-3,669	0	-1,292	-5,326	-2,922	-6,922	0	0	0
Proceeds from Federal Home Loan Bank advances
455,000	415,000	310,000	260,000	140,000	145,000	224,500	209,500	194,500	109,500	15,000	0	0	0	-	-	-	-	300,000	340,000	400,000	413,500	372,000	347,000	262,000	188,500	130,000	55,000	110,000	80,000	100,000	123,000	108,000	138,000	128,000	0	0	0
Repayment of Federal Home Loan Bank advances
340,000	275,000	190,000	175,000	115,000	205,000	234,500	219,500	164,500	59,500	15,000	0	0	0	-	-	-	-	280,000	325,000	395,000	401,500	382,000	337,006	252,025	171,544	103,062	83,075	98,112	100,093	100,075	93,075	118,037	111,056	135,100	0	0	0
Proceeds from other long-term debt
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2,868	4,962	4,432	3,246	2,132	0	0	0	-	-	-	-
Repayment of other long-term debt
-	-	-	-	-	-	-	-	-	-	-	-	-	-	4,632	187	187	184	180	177	172	170	161	145	104	61	27	0	0	0	-	-	-	-	-	-	-	-
Net increase in advance payments by borrowers for taxes and insurance
711	414	688	551	294	72	6	-184	-38	112	198	251	149	16	131	100	122	56	135	106	93	77	41	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from exercise of stock options
219	356	408	408	510	392	362	362	189	158	62	62	62	26	169	50	50	169	159	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Taxes paid on stock award shares for employees
53	53	32	32	32	32	46	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net decrease in advance payments by borrowers for taxes and insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	235	246	292	0	0	0	-	-	-	-
Net decrease in advance payments by borrowers for taxes and insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Treasury shares purchased with cash
-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	3,273	3,155	2,754	1,248	625	902	879	879	743	171	152	152	725	0	0	0
Dividends paid on preferred stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	62	104	147	171	171	171	171	171	171	171	171	171	171	172	172	172	244	0	0	0	-	-	-	-
Dividends paid on common stock
1,532	1,505	1,472	1,440	1,750	1,373	1,343	1,313	942	1,256	1,229	1,202	1,175	1,147	1,110	1,084	1,060	1,037	995	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Distributions to noncontrolling interests
0	0	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Cash Provided By Financing Activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	14,139	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Dividends paid on common stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-
Dividends paid on common stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-
Net Cash Provided By Financing Activities
217,332	181,898	156,010	170,069	101,287	40,587	40,542	57,907	66,116	94,478	85,381	0	0	0	-	-	-	-	-	-	-	-	-	39,753	45,851	33,641	20,342	-54,045	-16,301	-16,480	-23,645	56,142	26,965	21,180	23,544	0	0	0
Net Decrease in Cash and Cash Equivalents
0	0	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Increase (Decrease) in Cash and Cash Equivalents
-	-	-	-	-	-	-	-	0	11,860	-	16,014	9,608	-1,264	4,348	3,685	3,755	7,463	4,664	2,006	326	1,015	-485	-1,730	-7,633	-1,738	-17,976	5,833	9,173	5,369	11,588	6,346	9,457	4,849	15,925	0	0	0