Howard Bancorp Inc HBMD Cash Flow

Howard bancorp inc (HBMD)

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
CASH FLOWS FROM OPERATING ACTIVITIES:
Net Income
15,968	16,881	11,127	10,469	6,103	-3,828	-2,091	-4,357	-41	7,200	6,271	6,306	5,909	5,303	4,836	2,303	1,453	1,142	9,828	10,849	10,795	10,412	1,796	1,967	1,744	1,961	1,843	1,824	1,705	1,621	1,536	1,485	1,440	1,385	0	0	0
Adjustments to reconcile net income to net cash from operating activities:
Provision for credit losses
5,913	4,193	6,293	6,381	6,696	6,091	4,041	3,836	2,751	1,831	1,766	1,677	1,852	2,037	2,123	1,951	1,971	1,836	1,700	3,539	3,329	3,255	2,854	925	765	950	734	902	938	718	1,074	1,324	1,193	1,164	0	0	0
Deferred income tax
3,056	3,160	-1,962	-3,898	-1,477	-3,468	243	578	-2,381	-1,132	-835	-868	-801	-1,229	-1,107	-2,748	-2,660	-3,019	3,564	5,512	5,574	5,825	442	-58	-89	45	-241	339	481	518	856	702	718	991	0	0	0
Provision for other real estate owned
0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Depreciation and amortization
-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Provision for other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	777	0	0	0
Depreciation and amortization
2,320	2,348	0	0	0	-	-	-	-	1,287	0	0	1,253	-	1,223	1,175	1,100	1,008	909	829	773	734	695	658	627	599	583	569	547	523	493	473	464	455	0	0	0
Stock-based compensation
271	240	576	413	484	873	954	921	1,096	695	675	527	485	399	270	407	453	436	563	394	313	246	207	194	151	124	0	0	0	-	-	-	-	-	-	-	-
Net (accretion) amortization of investment securities
-	-	-	-	-	-	0	0	-89	-	-66	-41	-21	3	17	24	22	13	-3	-3	-5	-7	-1	-4	-5	-17	-26	-34	-44	-42	-41	-79	-178	-181	0	0	0
Net accretion of discount on purchased loans
-1,380	-1,640	-1,797	-2,610	-2,630	-2,313	-1,934	-849	-662	-575	-588	-748	-605	-714	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
(Gain) loss on sale of securities
-	-	-	-	-	-364	0	0	-139	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net amortization of intangible asset
2,928	3,013	3,096	3,185	3,281	2,856	2,162	1,456	728	505	535	573	614	655	733	648	556	462	301	237	174	111	78	75	54	34	0	0	0	-	-	-	-	-	-	-	-
Loans originated for sale
568,799	573,306	508,295	508,963	516,767	586,385	675,321	683,818	680,257	673,448	676,276	674,545	636,137	599,299	545,666	578,177	578,158	591,422	572,526	470,679	407,249	309,404	205,754	109,648	35,658	14,119	11,946	12,636	10,994	10,777	10,301	8,409	6,526	3,298	0	0	0
Proceeds from sale of loans originated for sale
599,169	571,656	496,502	532,836	564,751	640,710	734,701	718,429	684,277	693,384	679,746	681,612	649,845	606,020	572,292	600,529	594,440	591,597	553,659	440,140	379,747	274,162	170,774	83,977	21,042	12,674	11,922	11,498	10,936	9,907	9,840	8,196	6,701	3,744	0	0	0
Realized and unrealized gains on mortgage banking activity
7,349	7,798	6,668	5,599	4,914	5,245	6,761	8,506	10,050	11,035	9,812	9,929	9,349	8,098	8,540	7,603	7,149	6,971	6,892	6,370	5,563	4,341	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Gains on sales of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	121	94	70	28	0	0	0
Loss on sale of other real estate owned, net
0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-37	-37	-37	-37	-131	328	328	328	459	0	0	0
Gain on sale of portfolio loans, net
-	-	-	-	-	-	-	-	-	-	-32	-299	348	532	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash surrender value of BOLI
1,856	1,858	1,847	1,816	1,776	1,614	1,364	1,120	900	760	717	663	617	623	591	538	473	408	374	366	371	377	353	331	307	282	210	137	67	0	0	0	0	-	-	-	-
Decrease in interest receivable
-	-	-	-	-	-	-	0	135	-	740	376	430	649	176	849	607	356	827	357	456	542	161	16	43	29	47	142	196	93	12	84	39	111	0	0	0
Increase in interest payable
-	-	-	-	-	-	0	0	155	-	138	35	-26	5	-7	95	115	90	119	51	52	56	38	29	35	21	16	-9	-15	-10	2	-24	-19	-27	0	0	0
Increase in other assets
892	-2,044	-1,185	-5,579	-4,913	-5,041	-3,890	-364	4,017	2,044	1,800	976	-961	817	873	-1,452	-1,733	368	-579	1,598	2,087	-159	689	509	451	981	388	-50	-529	-1,092	-697	-714	-315	-52	0	0	0
Decrease in other liabilities
61	1,618	4,065	192	-2,286	-1,091	-3,163	217	-845	417	-317	-454	365	-1,460	-1,766	-748	-2,021	-2,190	2,449	1,098	3,749	4,447	15	715	-360	-443	-72	-28	163	292	347	-157	96	260	0	0	0
Other - net
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by operating activities
49,555	20,561	5,107	37,728	58,846	54,811	58,539	30,170	-7,733	16,902	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0
CASH FLOWS FROM INVESTING ACTIVITIES:
Net cash provided by operating activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	9,673	-	-23,100	-32,777	-27,308	-31,343	-32,941	-23,236	-12,395	740	0	0	0	-	-	-	-	-	-	-	-
Proceeds from maturities of interest bearing deposits with banks
-	-	-	-	-	-	-	-	-	19,513	19,019	9,880	5,187	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of investment securities
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of investment securities available-for-sale
-	-	-	-	-	-	-	0	41,493	-	66,114	58,858	62,295	84,969	94,533	73,426	74,909	42,880	8,463	44,034	35,043	26,544	47,513	37,516	45,513	50,513	37,997	31,995	35,022	47,018	44,018	54,821	45,911	39,185	0	0	0
Purchases of investment securities held-to-maturity
-	-	-	-	-	-	-	-	-	-	0	6,000	5,750	3,250	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sales, maturities and calls of investment securities
87,236	115,758	139,740	138,411	97,586	169,291	122,916	121,039	123,587	23,520	35,725	64,233	86,227	95,731	96,028	77,030	62,040	61,043	57,780	60,284	59,810	48,810	41,598	36,612	42,141	48,658	52,697	46,721	38,224	33,479	25,520	41,818	43,345	40,652	0	0	0
Net (increase) decrease in loans and leases outstanding
115,534	99,177	109,011	93,641	44,287	49,995	68,651	67,203	96,270	120,321	90,988	94,022	83,783	68,273	54,586	57,174	45,638	49,116	52,477	48,951	52,250	48,534	46,894	45,471	50,565	45,679	65,830	63,209	54,399	48,799	31,678	35,654	31,126	23,283	0	0	0
Purchase of bank owned life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	2,200	4,000	4,000	4,000	1,800	0	0	0	-	-	-	-	11,000	8,000	8,000	8,000	0	0	0	0	-	-	-	-
Proceeds from the sale of other real estate owned
0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	141	141	184	232	527	3,153	3,110	3,062	2,626	0	0	0
Proceeds from the sale of portfolio loans
-	-	-	-	-	-	-	-	-	3,798	4,932	5,937	8,017	4,263	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of premises and equipment
1,635	1,429	539	592	1,593	1,943	1,902	1,998	829	409	557	412	431	627	1,160	1,240	5,381	5,273	5,430	5,414	1,605	2,010	1,830	2,004	1,616	1,033	473	121	373	612	840	1,105	887	700	0	0	0
Cash acquired in acquisition
-	-	-	-	-	-38,889	0	0	-38,889	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash used in investing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-61,992	-	37,584	1,807	10,834	11,644	-55,543	-54,574	-61,748	-62,621	0	0	0	-	-	-	-	-	-	-	-
Net cash (used in) provided by investing activities
-187,065	-83,266	-127,990	-95,303	-140,850	-31,314	27,743	15,886	31,486	-142,514	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase (decrease) in deposits
115,431	28,559	30,993	151,572	123,508	115,463	56,110	4,500	-8,447	55,174	58,313	56,592	48,798	61,327	61,009	62,475	79,173	17,966	-1,027	549	-7,385	2,128	15,047	14,417	3,966	-6,115	11,256	10,345	17,665	33,831	22,270	20,620	21,680	13,365	0	0	0
Net decrease in short-term borrowings
-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in interest-bearing deposits
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	58,327	47,174	38,714	44,866	25,868	32,632	20,852	18,385	14,183	19,875	22,018	9,963	0	0	0
Net decrease in short-term borrowings
107,052	101,551	173,805	31,557	-241,156	-180,829	-213,133	-105,677	129,106	23,329	47,769	47,622	5,150	37,935	28,386	5,121	4,116	15,493	-4,641	15,409	5,407	2,971	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net increase (decrease) in FHLB advances
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in short-term borrowings
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	4,438	-153	-6,689	-12,040	0	0	0
Proceeds from issuance of long-term debt
-	-	-	-	-	-	-	-	-	15,016	-18,676	-18,709	-6,168	2,810	22,961	19,933	15,392	6,914	12,451	11,000	5,000	12,000	3,000	7,500	15,500	12,000	16,000	16,000	6,000	2,000	0	2,000	2,000	4,000	0	0	0
Repayment of long-term debt
-	-	-	-	-	-	-	-	-	17,000	13,977	13,977	20,988	12,000	12,000	21,000	11,500	9,000	16,000	7,000	7,000	9,000	2,000	6,000	8,000	8,000	4,000	0	-2,000	0	4,000	4,000	4,000	0	0	0	0
Proceeds from issuance of common stock, net of cost
514	396	153	224	55	97	147	218	361	38,699	38,639	38,633	38,492	35	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash consideration paid in acquisition
-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repurchase of common stock
0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash dividends on preferred stock
-	-	-	-	-	-	-	-	-	-	-	-	-	166	198	229	152	126	126	126	126	126	125	126	127	165	279	404	528	616	644	602	526	451	0	0	0
Net cash provided by (used in ) financing activities
235,998	71,184	96,234	74,675	101,928	49,029	-35,834	20,075	5,301	115,218	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0
Net increase (decrease) in cash and cash equivalents
98,488	8,479	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by financing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	78,744	-	-13,808	33,405	20,044	8,480	86,741	80,574	63,928	61,256	0	0	0	-	-	-	-	-	-	-	-
Net (decrease) increase in cash and cash equivalents
-	-	-	-	-	-	-	-	29,054	-	7,332	9,022	-6,487	1,026	25,531	3,802	26,425	13,823	676	2,435	3,570	-11,219	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net decrease in cash and cash equivalents
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	1,947	1,767	14,093	6,451	0	0	0
SUPPLEMENTAL INFORMATION
Cash payments for interest
21,527	22,341	21,306	19,312	16,330	13,123	10,060	7,648	5,772	5,044	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash payments for interest
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	3,267	-	2,702	2,613	2,493	2,345	2,709	2,070	1,942	1,879	1,324	1,835	1,931	2,015	1,994	1,833	1,778	1,774	0	0	0
Cash payments for income taxes
0	-	-	-	-	-	-	-	0	-	-	-	-	3,145	1,125	2,625	2,890	2,890	2,815	1,685	495	495	370	282	707	707	722	455	160	490	755	740	610	330	0	0	0
Cash payments for operating leases
-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Transferred from loans to other real estate owned
0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	0	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-
Cash payments for operating leases
1,167	1,337	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Assets acquired in business combination (net of cash received)
-	-	-	-	-	971,431	0	0	971,431	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Transferred from loans to other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	0	0
Liabilities assumed in business combination
-	-	-	-	-	897,569	0	0	897,569	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Lease liabilities arising from obtaining right of use assets (see Note 8)
2,011	18,009	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Goodwill reduction for adjustments to acquired net deferred tax assets
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Lease liabilities arising from obtaining right of use assets (see Note 8)
-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-