Magyar Bancorp, Inc. MGYR Cash Flow

Magyar bancorp, inc. (MGYR)

CashFlow / Quarterly

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	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
Operating activities
Net income
305	553	818	726	767	685	706	599	396	329	488	287	301	347	351	253	178	309	323	245	147	182	189	60	133	129	194	-343	282	-	-	-	31	-38	19	-357	127
Adjustment to reconcile net income to net cash (used in) provided by operating activities
Depreciation expense
217	217	185	218	218	250	249	188	215	209	210	203	202	201	202	197	192	187	180	219	222	224	233	230	234	234	233	232	228	226	219	243	247	249	240	238	247
Premium amortization on investment securities, net
-22	-28	-25	-24	-27	-29	-30	-28	-30	-46	-44	-49	-46	-48	-47	-52	-50	-46	-49	-50	-86	-60	-73	-77	-76	-68	-59	-58	-46	-51	-48	-64	-65	-66	-391	81	74
Provision for loan losses
421	210	167	194	106	201	215	276	256	250	295	315	403	330	477	420	291	178	328	346	170	420	342	381	359	-	-	-	441	428	340	323	370	510	402	478	358
Provision for loss on other real estate owned
0	60	-	-	-	-	110	35	116	157	0	68	40	110	31	0	-1	271	41	0	0	25	0	141	26	-	-	-	0	-	-	-	-	-55	-102	157	292
Originations of SBA loans held for sale
0	262	-	-	-	-	1,912	1,807	342	4,106	1,731	968	413	1,270	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from the sales of SBA loans
0	288	-	-	-	-	-	1,953	371	4,293	-	1,040	437	1,357	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from the sales of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3,131	975	2,065	4,076	1,205	1,042	3,399	381	2,290	219	731	244	1,046	2,936	4,279	0	2,004	2,926	4,912	402	0	7,613
Gains on sale of loans receivable
0	26	-	-	-	-	131	146	29	187	141	72	24	87	159	223	72	171	127	89	93	233	25	72	30	51	9	81	265	206	0	144	116	251	953	-10	-449
Gains on sales of investment securities
-	-	-	-	-	-	0	0	0	107	0	0	0	0	0	9	24	39	0	0	12	30	0	0	36	0	57	0	64	0	138	64	84	59	109	-35	0
Gains on the sales of other real estate owned
5	11	0	22	31	4	118	36	24	6	-85	-36	41	0	54	-146	0	-9	38	-20	-8	51	0	-11	0	-14	-19	-37	-8	-	-	-	-32	-31	81	0	-157
ESOP compensation expense
35	38	37	37	36	39	39	39	40	39	38	41	40	35	30	29	33	30	31	27	26	27	25	25	23	21	18	15	15	12	13	15	8	-	-	-	-
Stock-based compensation expense
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	2	1	2	1	5	4	4	4	5	5	4	5	4	5	4	70	102	-	-	-	-
Deferred income tax benefit
-153	-135	-	-13	-132	-26	-	531	0	107	-	194	207	288	-	227	-1	174	-	100	61	134	74	-34	0	83	31	-163	132	-	-	-43	5	-	-	-	0
ESOP compensation expense
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	14	13	14
Stock-based compensation expense
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	101	101	100
Increase in accrued interest receivable
51	-34	-252	148	157	-101	167	51	-64	98	124	-144	97	142	-31	-7	101	-56	19	-14	99	-73	-60	-14	-1	-159	58	20	-61	77	-50	-105	51	-113	109	-155	130
Increase in surrender value of bank owned life insurance
79	82	82	75	73	74	75	72	75	71	79	71	71	72	74	73	75	73	75	76	75	78	73	82	83	83	83	82	84	-	-	-	84	-	-	-	-
Increase in surrender value of bank owned life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	442	-88	-90
Increase in other assets
234	-92	-227	-10	555	-92	-210	256	421	-300	-276	-223	625	-281	-294	-23	291	44	-572	246	144	-64	-284	567	-233	-412	-744	-173	90	-439	438	-67	213	-326	-842	80	240
(Decrease) increase in accrued interest payable
30	-31	29	-60	31	-2	33	43	-18	30	-27	21	-33	29	-27	51	-48	37	-5	24	-33	-3	24	-8	-1	-56	8	-27	20	-110	26	-45	25	-74	4	-37	-11
Decrease in accounts payable and other liabilities
-1,048	-1,730	1,120	738	352	-472	-1,532	1,281	-427	908	-76	496	515	-2,185	305	922	336	-256	-458	904	23	-780	-121	-59	-2,151	1,478	308	858	-981	188	354	493	272	-506	609	-1,200	978
Net cash provided by operating activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5,153	1,444	2,780	4,988	2,744	1,334	3,437	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net income to net cash (used in) provided by operating activities
-608	-757	2,599	1,602	769	819	-228	2,605	152	2,093	1,438	2,006	887	-730	-	-	-	-	-	-	-	-	1,470	2,411	-992	3,602	1,909	2,708	2,689	5,561	637	3,092	3,535	5,284	1,986	-734	9,466
Investing activities
Net increase in loans receivable
-6,842	-7,424	7,895	-16,662	-5,325	-6,318	-9,067	-13,949	-5,259	-8,958	-5,911	5,841	1,526	-6,996	-12,891	-20,992	-5,734	8,362	-4,569	-10,088	-3,400	-7,798	-6,061	-3,498	-3,867	-7,120	-4,960	-804	-9,564	-	-	-	-9,650	4,962	-1,075	-3,932	1,808
Purchases of loans receivable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	402	1,893	654	6,444	4,891	275	0	674	0	0	5,514	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of loans receivable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-
Proceeds from the sale of loans receivable
-	-	0	5,066	0	4,386	339	2,199	0	1,200	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of investment securities held to maturity
0	3,679	0	0	0	1,645	-	-	-	-	1,510	0	1,498	2,476	0	0	5,020	5,545	0	5,568	4,132	0	0	0	4,419	0	14,577	5,131	4,069	0	9,153	2,069	5,988	10,911	0	1,994	5,753
Purchases of investment securities available for sale
0	1,516	-	-	-	-	-	-	-	-	1,852	0	0	6,079	0	0	0	6,482	0	0	0	0	-	-	-	-	-	-	-	0	0	4,033	6,123	6,218	1,992	1,982	16,109
Sales of investment securities held to maturity
-	-	-	-	-	-	0	0	0	3,408	-	0	0	0	-	-	-	-	-	-	-	-	0	0	3,036	-	-	-	0	-	-	-	-	-	-	-	-
Sales of investment securities available for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	2,200	2,033	2,065	0	0	2,506	2,915	0	0	0	0	3,243	0	1,064	0	8,580	3,105	2,479	5,781	2,031	2,016	0
Principal repayments on investment securities held to maturity
863	2,230	2,521	1,891	617	721	681	2,725	905	912	1,180	1,135	1,247	3,334	2,416	3,451	1,129	3,084	1,323	2,094	1,041	1,426	2,708	1,116	1,748	1,886	3,988	2,372	3,894	5,683	7,839	3,779	3,720	5,479	2,744	2,310	7,442
Principal repayments on investment securities available for sale
1,943	696	1,626	662	434	444	511	434	439	1,373	290	254	191	364	304	367	164	198	137	144	228	225	656	4,172	453	487	637	1,191	837	792	928	1,161	1,806	3,670	499	693	1,161
Purchases of premises and equipment
38	16	-12	1	27	37	41	38	106	99	97	113	74	15	27	10	93	54	6	12	4	61	70	16	9	20	95	74	77	96	115	84	19	811	288	264	43
Investment in other real estate owned
-	-	-	-	-	11	9	0	15	167	24	4	8	22	7	43	64	48	75	107	51	232	0	4	0	27	0	104	160	271	636	264	5	292	230	562	406
Proceeds from other real estate owned
740	17	6	549	454	408	1,471	434	518	327	723	302	892	31	1,674	2,714	17	430	1,626	55	954	3,824	1,025	113	199	1,001	1,255	230	553	4,437	595	202	3,215	2,295	1,254	-1	542
Redemption of Federal Home Loan Bank stock
27	-257	-639	830	-96	-37	-	-	-	-	-114	-33	0	-90	-225	541	-102	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Redemption of Federal Home Loan Bank stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	102	621	-527	612	-	-	-	-	-	-	-	-	-	-	-	-
Net cash used by investing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-14,747	-8,120	-4,434	-5,937	-14,507	-2,788	-477	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
(Purchase) redemption of Federal Home Loan Bank stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	235	251	-146	63	-37	-149	100	0	390	1	288	-203
Net cash used in investing activities
-7,357	-9,435	15,353	-7,851	-5,892	-2,015	-6,618	-12,865	-9,004	-2,004	-7,087	-3,728	826	-11,769	-	-	-	-	-	-	-	-	-2,897	2,410	-8,985	-3,558	-12,293	-7,506	-7,459	-2,835	7,536	5,206	-10,565	4,345	2,944	-3,428	-11,561
Financing activities
Net increase in deposits
17,284	13,579	10,036	-51,755	22,008	19,649	22,153	-8,770	9,300	-7,747	15,429	5,951	-6,003	7,174	20,504	-7,345	-7,673	20,895	21,161	-17,800	17,066	-2,609	-16,402	11,483	-12,664	9,302	17,304	2,345	7,859	-10,163	4,158	-4,454	2,034	6,580	-12,167	19,027	-16,429
Net increase in escrowed funds
92	74	-258	-57	132	297	-193	314	89	138	-191	199	147	114	-38	217	122	66	-61	99	102	4	99	161	-47	-87	580	-338	94	-148	-146	154	-134	-206	-8	171	-469
Proceeds from long-term advances
-	-	-	5,630	2,000	1,975	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repayments of long-term advances
-2,000	-5,701	-	0	-4,140	-2,800	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from long-term advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4,331	1,062	0	5,701	0	5,100	2,000	0	0	4,692	0	-	-	-	-	-	-	-	-
Repayments of long-term advances
-	-	-	-	-	-	-	-	-	-	-	-	-	2,000	0	0	2,260	0	0	0	1,500	3,500	0	1,200	4,000	5,233	6,007	1,455	0	-	-	-	-	5,000	3,975	900	978
Net change in short-term advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	50	-	-	15,600	0	0	0	-1,400	-	-	-2,228	0	-	-	-	-
Repayments of securities sold under agreements to repurchase
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	5,000	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by financing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4,578	-9,811	20,961	9,581	-789	15,618	-5,354	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net change in short-term advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5,500
Purchase of treasury stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2	11	11	21	0	0	0	0
Net cash provided by financing activities
17,877	7,952	-4,422	-33,982	20,000	19,121	8,720	6,403	11,389	-7,609	15,238	4,015	-5,856	5,288	-	-	-	-	-	-	-	-	-3,753	-56	889	3,982	11,877	5,244	6,553	-19,498	7,001	-6,539	1,879	-2,301	-12,475	12,798	-12,376
Net (decrease) increase in cash and cash equivalents
-	-2,240	-	-	-	17,925	1,874	-3,857	2,537	-7,520	9,589	2,293	-4,143	-7,211	5,894	-5,016	-16,487	19,307	8,632	-12,552	14,164	-2,394	-5,180	4,765	-9,088	4,026	1,493	446	1,783	-16,772	15,174	1,759	-5,151	7,328	-7,545	8,636	-14,471
Supplemental disclosures of cash flow information
Interest
1,537	1,674	1,683	1,742	1,657	1,629	1,357	1,123	1,054	1,027	1,046	909	936	891	935	816	913	856	845	754	792	823	828	873	925	1,032	1,070	1,151	1,154	1,366	1,409	1,558	1,581	1,767	1,807	1,912	2,037
Income taxes
-	-	-	-	-	-	-	-	-	-	0	0	4	32	0	0	0	4	0	0	0	14	0	0	9	0	0	4	50	2	0	6	0	0	2	6	0
Non-cash operating activities
Initial recognition of lease liability and right-of-use asset
0	3,835	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Real estate acquired in full satisfaction of loans in foreclosure
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	1,106	570	148	2,000	184	1,358	1,308	10	800	525	-	-	-	-	-	-	-	-	-	-	-	-
Investment securities transferred from held to maturity to available for sale
-	-	-	-	-	-	0	0	0	12,619	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-