MutualFirst Financial Inc, MFSF Cash Flow

Mutualfirst financial inc, (MFSF)

CashFlow / TTM

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
Operating Activities
Net income
23,751	22,414	21,681	20,095	18,864	15,033	13,383	13,116	12,315	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net income
-	-	-	-	-	-	-	-	-	-	-	-	-	13,343	13,086	12,146	12,262	12,584	12,110	11,507	11,046	10,208	9,929	9,427	9,383	8,562	8,264	7,796	7,246	6,293	5,566	5,603	3,484	0	0	0
Items not requiring cash
Provision for loan losses
1,950	1,975	2,120	2,145	2,120	1,870	1,670	1,470	1,220	1,120	1,000	850	850	0	0	0	-	-	-	-	850	-100	650	700	1,300	3,600	4,325	5,625	6,025	8,675	10,400	10,250	13,100	0	0	0
Depreciation and amortization
6,689	6,394	6,099	5,886	5,634	5,206	4,861	4,422	4,278	4,034	4,175	4,491	4,586	5,227	4,832	4,668	4,546	4,103	5,408	4,181	4,113	5,235	4,215	5,555	5,756	6,082	6,273	6,448	6,736	5,831	6,031	6,085	6,142	0	0	0
Deferred income tax
-	-	-	-	-	-	-	-	-	-	-	-	-1,537	-76	-1,414	-2,531	-1,926	-2,210	-497	-687	-1,087	-2,497	-3,478	-2,884	-2,387	-607	-679	-669	-582	-1,956	-1,498	-1,512	-915	0	0	0
Increase in cash value of life insurance
1,239	1,254	1,255	1,252	1,239	1,202	1,164	1,130	1,113	1,120	1,129	1,147	1,159	1,165	1,173	1,180	1,184	1,185	1,188	1,179	1,158	1,320	1,346	1,346	1,396	1,276	1,295	1,327	1,351	1,366	1,372	1,410	1,420	0	0	0
Net accretion of purchase accounting adjustments
31	-339	-197	-361	-439	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loans originated for sale
216,107	182,381	151,476	133,365	122,172	117,701	110,712	113,598	116,887	123,519	141,146	149,315	150,620	143,733	137,622	138,680	145,749	141,138	120,608	95,567	67,295	53,797	41,248	42,773	67,787	67,126	72,390	63,542	42,060	40,299	31,460	25,929	27,091	0	0	0
Proceeds from sales of loans held for sale
212,063	175,014	147,873	131,424	125,450	117,846	118,553	118,197	119,711	130,224	144,641	154,244	156,827	145,830	145,552	147,329	149,613	145,287	116,629	88,663	64,614	48,727	44,063	47,700	70,926	70,591	73,535	64,814	43,171	41,896	27,574	23,824	36,048	0	0	0
Net gain on sale of loans
5,871	5,051	4,126	3,521	3,126	3,386	3,543	3,752	3,887	3,591	4,129	4,591	4,761	4,805	4,496	4,210	4,176	4,186	3,390	2,651	1,849	1,127	769	520	852	1,136	1,592	2,174	1,870	2,996	2,699	2,333	2,293	0	0	0
Net gain on sale of securities, available for sale
-	-	-	0	-	-	-	0	-	0	0	1,034	-	875	840	314	436	300	317	403	313	436	815	646	835	2,091	2,733	2,973	2,831	1,784	2,453	2,170	2,048	0	0	0
Gain on bank owned life insurance
-	-	-	-	327	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loss on sale of other real estate and repossessed assets
-19	-39	-44	-4	-43	-121	-158	-244	-122	-100	-14	-127	-210	-175	-278	-58	-111	187	137	-73	-53	-588	-616	-401	-320	-94	45	-152	-564	1,681	-643	-545	-426	0	0	0
Prepaid FDIC premium
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-1,647	-1,947	-2,236	-1,185	-1,174	-1,173	-1,192	-1,201	-1,387	0	0	0
Change in
Interest receivable and other assets
-3,562	-171	1,068	1,562	1,798	-728	-426	-105	-619	788	-211	-156	1,349	390	1,944	1,735	1,321	1,081	1,088	57	386	580	976	1,427	586	-981	-1,128	-1,453	-1,201	-23,263	-1,251	-1,263	-688	0	0	0
Interest payable and other liabilities
-2,302	-626	-1,365	62	1,293	967	1,278	521	287	-790	-675	-2,542	-5	-68	600	681	277	-1,263	-301	1,530	774	1,771	1,285	942	507	2,523	700	591	726	558	1,411	1,160	1,325	0	0	0
Loss on other-than-temporary impairment, securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Other equity adjustments
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-500	-474	-625	-629	-633	-624	-420	-383	-361	-335	0	0	0
Other adjustments
-231	-239	-164	139	-164	-307	-317	-266	-259	-63	-65	-124	-143	-143	-142	-140	-143	0	0	0	-	-	-	-	-375	-434	-473	-533	-524	-1,179	721	238	-655	0	0	0
Net cash provided by operating activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	21,555	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by operating activities
20,748	18,966	21,448	21,786	27,128	21,706	27,576	22,567	20,042	0	0	0	-	-	-	-	-	-	-	-	-	0	0	0	-	24,417	20,187	19,883	20,461	43,118	17,288	19,769	31,890	0	0	0
Investing Activities
Net change in interest-bearing time deposits
743	213	205	316	6,361	6,448	6,311	6,025	-860	-957	-1,066	-925	-993	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	1,415	0	0	0	-	-	-	-
Purchases of securities, available for sale
-	-	-	86,103	-	-	-	107,870	-	80,397	93,761	90,518	88,161	75,479	60,329	59,481	67,414	53,262	49,264	45,392	48,001	44,444	68,766	83,963	99,766	109,166	103,518	109,140	114,448	186,677	204,115	212,141	201,578	0	0	0
Proceeds from maturities and paydowns of securities, available for sale
44,156	37,055	34,085	32,947	31,920	29,948	28,032	26,224	26,622	30,408	33,457	36,814	37,872	40,731	40,392	41,537	41,824	36,766	36,082	32,817	31,709	31,343	35,131	42,146	53,348	63,954	70,055	72,197	68,847	68,501	60,377	54,395	47,574	0	0	0
Proceeds from sales of securities, available for sale
-	-	-	0	-	-	-	0	-	0	0	58,835	-	47,164	39,627	19,453	23,109	16,382	18,474	20,348	28,317	26,047	44,866	51,258	53,179	104,364	116,681	109,096	98,326	67,252	86,720	80,195	76,547	0	0	0
Purchase of Federal Home Loan Bank stock
81	0	0	0	-	-	-	-	258	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net change in loans
-	-	0	58,753	-	-	0	51,894	-	59,248	80,733	84,741	92,946	80,974	71,892	67,084	67,561	52,361	49,319	49,580	41,611	35,789	28,606	15,276	3,863	25,784	28,320	57,086	88,639	68,460	55,195	25,590	-13,698	0	0	0
Net cash and cash equivalents paid in acquisition
-	-	-	-	7,673	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of premises and equipment
1,538	1,505	1,613	1,616	1,466	1,539	2,109	1,998	1,809	1,342	804	1,092	2,079	3,247	3,399	3,074	2,413	1,717	1,529	1,450	1,306	940	1,174	1,306	1,025	1,191	1,550	2,123	2,139	2,367	1,633	1,087	1,117	0	0	0
Proceeds from sale of real estate owned and repossessed assets
2,703	2,368	2,183	2,174	1,598	1,578	1,128	843	980	1,111	1,675	2,498	2,497	2,602	2,146	2,158	2,260	6,367	6,776	6,931	7,605	3,886	3,862	3,925	3,753	3,520	4,825	5,308	4,539	5,162	4,079	3,880	4,426	0	0	0
Proceeds from sale of real estate held for investment
-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from bank owned life insurance
-	-	-	-	1,669	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sale of premises and equipment
375	375	375	375	67	0	0	0	-	-	-	-	9,490	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other investing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-
Net cash used in investing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-64,743	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by (used in) investing activities
1,359	-28,627	-65,204	-69,804	-76,273	-59,314	-58,855	-50,333	-41,079	0	0	0	-	-	-	-	-	-	-	-	-	0	0	0	-	35,719	58,195	21,907	-28,430	-63,011	-56,189	-48,147	-9,679	0	0	0
Financing Activities
Net change in
Noninterest-bearing, interest-bearing demand and savings deposits
-	-	-	-36,929	-	-	-	53,437	-	27,903	38,680	38,540	39,883	69,992	44,269	62,437	62,642	35,586	53,403	38,567	36,828	38,311	53,270	37,434	35,215	35,317	27,198	50,533	79,986	95,420	79,133	78,192	74,542	0	0	0
Certificates of deposit
14,071	16,706	74,141	56,248	35,176	22,709	-18,320	863	-1,583	45,299	37,804	18,460	22,117	-23,818	-26,056	-34,639	-50,580	-54,850	-54,416	-57,404	-70,593	-89,179	-128,396	-100,200	-106,140	-80,351	-45,993	-74,626	-64,334	-80,510	-69,203	-62,552	-29,474	0	0	0
Proceeds from FHLB advances
397,700	477,000	536,600	533,400	545,500	488,200	483,500	449,800	414,700	369,600	350,600	329,600	316,300	316,100	291,900	334,100	355,700	370,200	367,200	461,700	493,700	538,000	531,075	413,175	355,375	335,075	403,699	492,650	496,650	0	0	0	-	-	-	-
Repayments of FHLB advances
444,419	498,619	539,519	507,908	495,808	465,208	481,663	462,928	438,128	396,128	358,426	330,026	301,326	293,226	260,125	303,025	322,525	322,506	342,204	418,286	444,186	466,205	440,778	350,572	287,122	351,541	443,516	498,110	523,369	392,008	272,427	167,621	102,933	0	0	0
Proceeds from other borrowings
-	-	-	-	10,000	0	0	0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repayments of other borrowings
515	410	405	399	335	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net repayments other borrowings
-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repayments of other borrowings
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	759	759	759	759	759	759	759	759	786	808	829	847	835	823	810	800	0	0	0
Cash dividends
6,860	6,860	6,706	6,535	6,354	5,963	5,600	5,230	4,862	4,710	4,541	4,418	4,284	3,996	3,871	3,707	3,550	3,383	3,070	2,755	2,297	2,340	2,463	2,595	2,953	2,957	3,041	3,117	3,113	3,245	3,332	3,376	3,419	0	0	0
Stock options exercised
-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Stock options exercised
1,046	0	0	0	-	-	-	-	-	-	-	-	976	1,394	1,394	1,587	2,011	1,989	2,490	2,624	1,347	1,111	643	407	570	-41	604	-468	551	317	187	189	57	0	0	0
Stock repurchased
-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by (used in) financing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	55,233	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by (used in) financing activities
-23,198	9,104	43,695	38,299	55,218	43,729	39,116	46,531	21,518	0	0	0	-	-	-	-	-	-	-	-	-	0	0	0	-	-72,515	-69,088	-33,967	-14,476	29,789	31,627	-20,337	9,614	0	0	0
Net Change in Cash and Cash Equivalents
-	-	-	-9,719	-	-	-	18,765	-	608	-8,355	-8,408	5,945	6,500	9,254	12,045	-8,660	-1,856	-4,465	-3,455	4,290	-11,441	-4,150	-12,274	-7,493	-12,379	9,294	7,824	-22,445	9,896	-7,274	-48,715	31,825	0	0	0
Additional Cash Flows Information
Interest paid
21,036	21,132	20,072	18,252	15,972	14,067	12,629	11,239	10,505	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest paid
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	8,919	-	8,898	8,757	8,723	8,857	9,114	9,752	10,486	11,145	11,907	12,788	13,687	14,808	15,728	16,867	18,096	19,380	0	0	0
Income tax paid
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2,850	3,350	3,300	2,800	2,500	1,200	500	1,800	1,800	0	0	0	-	-	-	-	450	0	0	0
Transfers from loans to foreclosed assets
2,414	2,531	2,221	2,161	1,879	1,757	1,511	796	624	761	802	1,420	1,450	1,205	1,681	1,338	1,301	1,520	1,417	2,035	2,129	3,888	5,398	4,892	5,038	3,922	2,425	4,242	5,254	2,865	3,428	2,728	6,107	0	0	0
Mortgage servicing rights capitalized
818	522	474	446	438	593	570	544	549	411	424	471	482	448	464	445	460	425	365	326	278	283	318	349	464	457	439	414	294	264	187	337	430	0	0	0
Right of use assets obtained in exchange for lease obligations
3,603	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of securities, due to broker
-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Fair value of assets acquired
-	-	-	-	406,558	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash paid in acquisition
-	-	-	-	18,999	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Common stock issued
-	-	-	-	42,323	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Liabilities assumed
-	-	-	-	345,236	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-