GREENE COUNTY BANCORP INC GCBC Cash Flow

Greene county bancorp inc (GCBC)

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	Sep'10
Cash flows from operating activities:
Net income
18,191	18,496	17,967	17,484	16,939	16,260	15,316	14,408	13,646	12,866	12,152	11,187	10,662	9,926	9,320	8,963	8,450	8,073	7,564	7,189	6,923	6,635	6,549	6,528	6,376	6,417	6,361	6,371	0	0	0	-	-	-	-	-	-	-	-
Adjustments to reconcile net income to net cash provided by operating activities:
Net Income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5,619	5,476	5,291	0	0	0
Depreciation
696	682	659	638	638	635	632	635	636	636	635	637	637	632	630	629	616	601	573	545	531	536	573	617	662	697	717	737	771	800	823	835	826	793	748	737	0	0	0
Deferred income tax benefit
-689	-410	-959	-967	842	1,946	-1,546	56	-646	-193	154	-259	21	-459	-664	-714	-670	-421	604	488	464	43	2	18	-371	-364	520	324	0	0	0	-	-	-	-	-	-	-	-
Net amortization of premiums and discounts
-714	-523	-342	-303	-297	-336	-470	-602	-730	-767	-815	-825	-832	-818	-765	-716	-763	-859	-975	-1,145	-1,287	-1,473	-1,664	-1,815	-1,888	-1,870	-1,740	-1,569	-1,425	-1,270	-1,187	-1,122	-1,050	-1,045	-1,037	-1,031	0	0	0
Net amortization of deferred loan costs and fees
-523	-501	-528	-495	-486	-490	-484	-508	-479	-459	-473	-457	-462	-454	-409	-393	-382	-377	-456	-369	-349	-343	-274	-340	-350	-330	-302	-282	-263	-263	-261	-263	-255	-252	-252	-231	0	0	0
Provision for loan losses
3,267	2,192	1,856	1,659	1,544	1,539	1,537	1,530	1,483	1,481	1,715	1,911	2,007	2,085	1,842	1,673	1,562	1,557	1,519	1,556	1,523	1,395	1,598	1,500	1,539	1,582	1,615	1,746	0	0	0	-	-	-	-	-	-	-	-
Net loss (gain) on equity securities
1	50	19	36	20	-2	15	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Provision for loan losses
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,688	1,749	1,628	0	0	0
Stock based compensation
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	19	75	130	186	223	0	0	0
Net gain on sale of available-for-sale securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11	11	32	244	233	0	0	0
Net (gain) loss on sale of foreclosed real estate
18	50	50	-35	-25	-21	70	42	33	42	-63	-73	-73	-61	-118	-177	-212	-221	-249	-136	-109	-154	-53	-57	-16	39	-26	7	59	-195	-50	-36	0	0	0	-	-	-	0
Excess tax benefit from share based compensation
-	-	-	-	-	-	-	-	-	-	-	51	51	51	47	6	6	16	10	16	16	6	29	27	27	27	4	0	0	0	0	-	-	-	-	-	-	-	-
Net increase in accrued income taxes
-28	-364	241	109	-452	-1,447	2,847	1,774	813	-621	-652	-1,559	-282	-69	-193	597	1,040	1,970	909	1,703	1,843	-754	-672	-682	-338	-382	-1,534	-1,306	-1,223	1,722	-460	-1,021	-412	-367	-187	152	0	0	0
Net increase in accrued interest receivable
1,381	1,045	533	796	1,046	1,155	1,063	1,024	1,035	820	673	422	394	531	515	584	445	321	267	316	237	183	48	47	92	7	34	-25	73	33	96	-28	-26	81	-106	-15	0	0	0
Net increase in prepaid and other assets
1,498	1,580	1,748	43	89	57	302	382	468	524	-126	-158	-195	-253	-200	-202	-99	-103	442	819	836	1,043	231	88	-506	-531	-989	-1,096	-378	-290	-220	-194	-184	-339	-480	-417	0	0	0
Net increase in accrued expenses and other liabilities
4,502	5,074	6,254	2,744	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in other liabilities
-	-	-	-	-	-	-	-	2,315	2,228	2,889	1,091	690	584	2,156	1,535	1,095	861	900	818	1,004	1,512	852	1,354	1,256	934	879	-492	-482	-479	-478	690	509	510	362	773	0	0	0
Net cash provided by operating activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	13,098	13,864	13,030	12,798	12,944	10,105	10,585	11,385	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by operating activities
24,278	23,969	24,538	21,625	21,661	20,818	17,098	20,672	17,920	16,238	17,687	14,048	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	9,260	11,587	10,281	10,349	10,227	9,887	9,874	10,124	0	0	0
Cash flows from investing activities:
Securities available for sale: [Abstract]
Proceeds from maturities
98,025	97,220	102,832	105,479	98,697	89,348	78,771	63,540	55,913	62,461	62,154	69,041	72,985	61,538	56,685	47,939	34,321	27,946	20,157	6,672	5,250	4,250	4,765	2,515	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from maturities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8,740	11,020	10,615	8,815	13,045	9,875	9,685	11,309	9,911	0	0	0
Proceeds from sale of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	770	770	1,624	8,499	7,729	0	0	0
Purchases of securities
210,322	188,519	144,865	108,958	88,422	98,403	103,521	97,725	100,250	82,295	78,876	68,194	54,538	60,980	54,837	65,364	69,244	56,808	55,763	41,682	30,848	26,282	20,230	7,341	1,101	4,179	9,307	10,387	0	0	0	-	-	-	-	30,309	0	0	0
The cash inflow associated with prepayments, scheduled principal payments on MBS securities and calls (requests of early payments) on securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.
7,787	5,844	3,341	2,793	3,617	4,414	4,237	3,617	3,025	2,357	6,675	6,724	6,738	6,723	3,104	3,996	3,921	4,282	5,359	5,241	5,150	5,284	4,861	5,862	8,912	10,525	14,203	17,415	19,794	22,453	23,004	20,879	17,590	14,330	12,391	11,175	0	0	0
Securities held to maturity: [Abstract]
Proceeds from maturities
35,651	36,128	35,395	25,785	21,430	19,383	18,826	18,444	19,971	18,860	18,192	17,308	13,989	13,613	13,841	13,376	24,891	26,729	28,690	30,993	24,709	24,027	27,226	29,069	22,647	25,067	24,323	23,755	21,824	17,816	13,686	13,151	17,628	21,070	23,253	21,813	0	0	0
Purchases of securities
153,557	114,700	79,913	82,365	62,208	82,469	97,436	85,568	96,221	60,474	51,507	47,105	46,827	56,970	54,791	58,003	47,257	33,253	28,758	26,840	33,707	32,769	33,405	31,610	36,890	38,273	78,601	73,902	65,161	75,521	43,986	47,510	48,968	74,522	71,981	74,522	0	0	0
The cash inflow associated with prepayments, scheduled principal payments on MBS securities and calls (requests for early payments) of debt securities designated as held-to-maturity.
26,289	23,098	20,400	26,650	26,491	24,989	23,103	15,852	12,443	12,749	14,471	10,145	9,362	9,225	7,301	8,179	8,304	9,559	9,266	8,363	7,744	5,990	6,261	7,363	9,413	11,923	18,458	19,229	19,884	18,400	12,836	11,556	8,973	7,977	6,582	5,525	0	0	0
Net redemption of Federal Home Loan Bank Stock
-102	-319	-2,748	214	-187	1,385	2,572	-586	-198	-1,242	-645	-621	152	948	388	258	177	-448	388	933	-29	690	331	173	404	827	-1	-356	-159	440	-159	-172	-94	-184	-184	50	0	0	0
Purchase of long term certificate of deposit
1,441	1,486	1,486	735	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
The cash inflow associated with the maturity of long-term certificates of deposit.
-	-	-	-	-	-	-	-	-	-	-	490	310	310	310	245	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in loans receivable
124,455	103,603	83,612	83,495	86,887	88,750	88,388	82,563	74,645	75,168	92,487	104,505	116,112	115,851	90,748	81,718	60,569	58,592	57,253	47,466	45,727	38,134	35,251	42,388	44,848	42,187	40,518	35,178	40,374	38,199	31,467	28,405	18,145	18,295	10,063	7,766	0	0	0
Proceeds from sale of foreclosed real estate
287	41	41	65	196	1,030	1,030	1,003	872	156	211	212	212	94	500	684	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sale of foreclosed real estate
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	628	628	630	431	277	318	453	446	509	640	503	800	0	0	0	-	-	-	0
Purchases of premises and equipment
869	647	728	589	470	444	340	324	224	207	136	76	185	220	212	290	418	586	692	753	708	537	685	575	405	446	212	187	239	361	329	327	346	490	1,143	1,340	0	0	0
Net cash used by investing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-105,982	-80,029	-79,597	-66,541	-68,460	-58,233	-46,159	-36,847	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net cash used by investing activities
-322,258	-246,060	-145,602	-115,339	-87,859	-132,777	-166,530	-163,378	-179,158	-120,069	-120,658	-115,764	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-66,936	-79,472	-50,383	-48,393	-19,663	-42,867	-45,886	-56,834	0	0	0
Cash flows from financing activities
Net increase in short-term advances
-	0	-58,800	-	-	34,600	58,100	-6,900	-500	-25,500	-13,600	-19,200	500	18,000	6,100	3,200	0	-15,700	3,400	19,750	0	11,800	1,300	-7,450	0	17,400	3,500	-3,400	0	14,300	0	-300	0	0	0	5,200	0	0	0
Proceeds from long-term FHLB advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10,500	14,500	8,500	5,000	4,000	0	0	0	-	-	-	-	-	-	-	-
Repayment of long-term FHLB advances
4,500	3,500	4,500	5,500	5,500	5,000	3,000	4,500	4,500	4,500	5,000	2,500	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Payment of cash dividends
2,201	2,162	1,615	2,037	2,025	2,014	2,001	1,526	1,953	1,941	1,930	1,920	1,895	1,881	1,868	1,854	1,416	1,820	1,809	1,798	1,787	1,360	1,347	1,335	1,331	1,327	1,728	2,128	2,125	2,121	1,707	1,297	1,292	1,290	1,651	1,647	0	0	0
Proceeds from issuance of stock options
-	-	-	-	-	-	-	160	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	312	0	0	0
Proceeds from issuance of stock options
-	-	-	-	-	-	-	-	-	-	-	-	176	279	242	193	139	80	48	61	108	129	170	172	184	193	140	124	0	0	0	-	-	-	-	-	-	-	-
Excess tax benefit from share based compensation
-	-	-	-	-	-	-	-	-	-	-	51	51	51	47	6	6	16	10	16	16	6	29	27	27	27	4	0	0	0	0	-	-	-	-	-	-	-	-
Net increase in deposits
289,754	235,438	260,749	95,335	87,531	88,469	84,892	165,699	207,058	145,686	144,974	120,648	94,880	105,876	108,287	116,170	105,468	86,008	53,000	33,143	23,603	33,746	30,826	31,135	34,520	3,745	44,339	46,502	72,121	51,721	44,149	42,040	15,748	28,115	28,550	48,165	0	0	0
Net cash provided by financing activities
287,372	224,688	196,784	96,748	80,016	116,190	138,145	152,933	200,255	115,970	129,404	102,098	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	65,228	58,260	37,844	35,820	11,716	21,999	22,160	47,033	0	0	0
Net increase in cash and cash equivalents
-10,608	2,597	75,720	3,034	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by financing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	107,197	73,384	58,949	55,472	24,740	51,321	40,478	33,049	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in cash and cash equivalents
-	-	-	-	-	-	-	-	-	-	-	-	-	-	7,869	357	14,313	7,219	-7,618	1,729	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in cash and cash equivalents
-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	17,171	1,246	-8,088	-1,520	7,552	-9,625	-2,258	-2,224	2,280	-10,981	-13,852	323	0	0	0
Non-cash investing activities:
Foreclosed loans transferred to foreclosed real estate
215	215	215	34	67	216	279	273	831	682	742	714	123	189	66	384	804	1,170	1,514	1,354	1,025	763	823	665	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Cash paid during period for:
Interest
8,538	7,964	7,048	6,286	5,539	4,829	4,419	4,018	3,708	3,470	3,261	3,059	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Foreclosed loans transferred to foreclosed real estate
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	533	686	486	443	0	0	0
Interest
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2,484	2,403	2,345	2,304	2,327	2,351	2,367	2,376	2,406	2,532	2,691	2,845	3,008	3,133	3,329	3,598	3,866	4,111	4,343	4,522	0	0	0
Income taxes
3,831	4,171	4,177	4,400	3,298	3,380	2,670	2,325	4,029	4,920	4,604	5,559	3,768	3,732	3,716	2,795	2,098	761	771	127	109	3,185	3,173	3,201	3,213	3,338	3,615	3,654	3,652	1,259	2,144	3,141	3,376	3,361	3,139	2,721	0	0	0