Magyar Bancorp, Inc. MGYR Cash Flow

Magyar bancorp, inc. (MGYR)

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	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
2,402	2,864	2,996	2,884	2,757	2,386	2,030	1,812	1,500	1,405	1,423	1,286	1,252	1,129	1,091	1,063	1,055	1,024	897	0	0	0	511	516	113	262	0	0	0	-	-	-	-345	-249	0	0	0
Adjustment to reconcile net income to net cash (used in) provided by operating activities
Depreciation expense
837	838	871	935	905	902	861	822	837	824	816	808	802	792	778	756	778	808	845	0	0	0	931	931	933	927	919	905	916	935	958	979	974	974	0	0	0
Premium amortization on investment securities, net
-99	-104	-105	-110	-114	-117	-134	-148	-169	-185	-187	-190	-193	-197	-195	-197	-195	-231	-245	0	0	0	-294	-280	-261	-231	-214	-203	-209	-228	-243	-586	-441	-302	0	0	0
Provision for loan losses
992	677	668	716	798	948	997	1,077	1,116	1,263	1,343	1,525	1,630	1,518	1,366	1,217	1,143	1,022	1,264	0	0	0	0	0	0	-	-	-	1,532	1,461	1,543	1,605	1,760	1,748	0	0	0
Provision for loss on other real estate owned
0	0	-	-	-	-	418	308	341	265	218	249	181	140	301	311	311	312	66	0	0	0	0	0	0	-	-	-	0	-	-	-	-	292	0	0	0
Originations of SBA loans held for sale
0	0	-	-	-	-	8,167	7,986	7,147	7,218	4,382	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from the sales of SBA loans
0	0	-	-	-	-	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from the sales of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10,247	8,321	8,388	9,722	0	0	0	3,621	3,484	2,240	4,957	8,505	8,261	9,219	9,209	9,842	10,244	8,240	12,927	0	0	0
Gains on sale of loans receivable
0	0	-	-	-	-	493	503	429	424	324	342	493	541	625	593	459	480	542	0	0	0	178	162	171	406	561	552	615	466	511	1,464	1,310	745	0	0	0
Gains on sales of investment securities
-	-	-	-	-	-	107	107	107	107	0	0	9	33	72	72	63	51	42	0	0	0	36	93	93	121	121	202	266	286	345	316	217	133	0	0	0
Gains on the sales of other real estate owned
38	64	57	175	189	182	184	-19	-91	-74	-80	59	-51	-92	-101	-117	9	1	61	0	0	0	-25	-44	-70	-78	0	0	0	-	-	-	18	-107	0	0	0
ESOP compensation expense
147	148	149	151	153	157	157	156	158	158	154	146	134	127	122	123	121	114	111	0	0	0	94	87	77	69	60	55	55	48	0	0	0	-	-	-	-
Stock-based compensation expense
-	-	-	-	-	-	-	-	-	-	-	-	-	-	3	5	6	9	12	0	0	0	18	18	19	18	18	18	83	181	0	0	0	-	-	-	-
Deferred income tax benefit
0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	123	80	-49	83	0	0	0	-	-	0	0	-	-	-	0
ESOP compensation expense
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0
Stock-based compensation expense
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0
Increase in accrued interest receivable
-87	19	-48	371	274	53	252	209	14	175	219	64	201	205	7	57	50	48	31	0	0	0	-234	-116	-82	-142	94	-14	-139	-27	-217	-58	-108	-29	0	0	0
Increase in surrender value of bank owned life insurance
318	312	304	297	294	296	293	297	296	292	293	288	290	294	295	296	299	299	304	0	0	0	321	331	331	332	0	0	0	-	-	-	0	-	-	-	-
Increase in surrender value of bank owned life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0
Increase in other assets
-95	226	226	243	509	375	167	101	-378	-174	-155	-173	27	-307	18	-260	9	-138	-246	0	0	0	-362	-822	-1,562	-1,239	-1,266	-84	22	145	258	-1,022	-875	-848	0	0	0
(Decrease) increase in accrued interest payable
-32	-31	-2	2	105	56	88	28	6	-9	-10	-10	20	5	13	35	8	23	-17	0	0	0	-41	-57	-76	-55	-109	-91	-109	-104	-68	-90	-82	-118	0	0	0
Decrease in accounts payable and other liabilities
-920	480	1,738	-914	-371	-1,150	230	1,686	901	1,843	-1,250	-869	-443	-622	1,307	544	526	213	-311	0	0	0	-853	-424	493	1,663	373	419	54	1,307	613	868	-825	-119	0	0	0
Net cash provided by operating activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	14,365	11,956	11,846	12,503	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net income to net cash (used in) provided by operating activities
2,836	4,213	5,789	2,962	3,965	3,348	4,622	6,288	5,689	6,424	3,601	0	0	0	-	-	-	-	-	-	-	-	6,491	6,930	7,227	10,908	12,867	11,595	11,979	12,825	12,548	13,897	10,071	16,002	0	0	0
Investing activities
Net increase in loans receivable
-23,033	-21,516	-20,410	-37,372	-34,659	-34,593	-37,233	-34,077	-14,287	-7,502	-5,540	-12,520	-39,353	-46,613	-31,255	-22,933	-12,029	-9,695	-25,855	0	0	0	-20,546	-19,445	-16,751	-22,448	0	0	0	-	-	-	-9,695	1,763	0	0	0
Purchases of loans receivable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	9,393	13,882	12,264	11,610	5,840	0	0	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of loans receivable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-
Proceeds from the sale of loans receivable
-	-	9,452	9,791	6,924	6,924	3,738	3,399	1,200	1,200	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of investment securities held to maturity
3,679	3,679	1,645	0	0	0	-	-	-	-	5,484	3,974	3,974	7,496	10,565	10,565	16,133	15,245	9,700	0	0	0	4,419	18,996	24,127	23,777	23,777	18,353	15,291	17,210	28,121	18,968	18,893	18,658	0	0	0
Purchases of investment securities available for sale
0	0	-	-	-	-	-	-	-	-	7,931	6,079	6,079	6,079	6,482	6,482	6,482	6,482	0	0	0	0	-	-	-	-	-	-	-	10,156	16,374	18,366	16,315	26,301	0	0	0
Sales of investment securities held to maturity
-	-	-	-	-	-	3,408	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	0	0	0	-	-	-	0	-	-	-	-	-	-	-	-
Sales of investment securities available for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	6,298	6,298	4,098	4,571	5,421	0	0	0	0	3,243	3,243	4,307	4,307	9,644	12,749	14,164	19,945	13,396	12,307	9,828	0	0	0
Principal repayments on investment securities held to maturity
7,505	7,259	5,750	3,910	4,744	5,032	5,223	5,722	4,132	4,474	6,896	8,132	10,448	10,330	10,080	8,987	7,630	7,542	5,884	0	0	0	7,458	8,738	9,994	12,140	15,937	19,788	21,195	21,021	20,817	15,722	14,253	17,975	0	0	0
Principal repayments on investment securities available for sale
4,927	3,418	3,166	2,051	1,823	1,828	2,757	2,536	2,356	2,108	1,099	1,113	1,226	1,199	1,033	866	643	707	734	0	0	0	5,768	5,749	2,768	3,152	3,457	3,748	3,718	4,687	7,565	7,136	6,668	6,023	0	0	0
Purchases of premises and equipment
43	32	53	106	143	222	284	340	415	383	299	229	126	145	184	163	165	76	83	0	0	0	115	140	198	266	342	362	372	314	1,029	1,202	1,382	1,406	0	0	0
Investment in other real estate owned
-	-	-	-	-	35	191	206	210	203	58	41	80	136	162	230	294	281	465	0	0	0	31	31	131	291	535	1,171	1,331	1,176	1,197	791	1,089	1,490	0	0	0
Proceeds from other real estate owned
1,312	1,026	1,417	2,882	2,767	2,831	2,750	2,002	1,870	2,244	1,948	2,899	5,311	4,436	4,835	4,787	2,128	3,065	6,459	0	0	0	2,338	2,568	2,685	3,039	6,475	5,815	5,787	8,449	6,307	6,966	6,763	4,090	0	0	0
Redemption of Federal Home Loan Bank stock
-39	-162	58	0	0	0	-	-	-	-	-237	-348	226	124	214	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Redemption of Federal Home Loan Bank stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net cash used by investing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-33,238	-32,998	-27,666	-23,709	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
(Purchase) redemption of Federal Home Loan Bank stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	403	131	-269	-23	-86	341	491	679	476	0	0	0
Net cash used in investing activities
-9,290	-7,825	-405	-22,376	-27,390	-30,502	-30,491	-30,960	-21,823	-11,993	-21,758	0	0	0	-	-	-	-	-	-	-	-	-13,030	-22,426	-32,342	-30,816	-30,093	-10,264	2,448	-658	6,522	1,930	-6,704	-7,700	0	0	0
Financing activities
Net increase in deposits
-10,856	-6,132	-62	12,055	55,040	42,332	14,936	8,212	22,933	7,630	22,551	27,626	14,330	12,660	26,381	27,038	16,583	41,322	17,818	0	0	0	-8,281	25,425	16,287	36,810	17,345	4,199	-2,600	-8,425	8,318	-8,007	15,474	-2,989	0	0	0
Net increase in escrowed funds
-149	-109	114	179	550	507	348	350	235	293	269	422	440	415	367	344	226	206	144	0	0	0	126	607	108	249	188	-538	-46	-274	-332	-194	-177	-512	0	0	0
Proceeds from long-term advances
-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repayments of long-term advances
0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from long-term advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	11,094	0	0	0	7,100	7,100	6,692	4,692	0	0	0	-	-	-	-	-	-	-	-
Repayments of long-term advances
-	-	-	-	-	-	-	-	-	-	-	-	-	4,260	2,260	2,260	2,260	1,500	5,000	0	0	0	10,433	16,440	16,695	12,695	0	0	0	-	-	-	-	10,853	0	0	0
Net change in short-term advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	15,600	-1,400	0	0	0	-	-	0	0	-	-	-	-
Repayments of securities sold under agreements to repurchase
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5,000	0	0	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by financing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	25,309	19,942	45,371	19,056	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net change in short-term advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Purchase of treasury stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	45	43	32	21	0	0	0	0
Net cash provided by financing activities
-12,575	-10,452	717	13,859	54,244	45,633	18,903	25,421	23,033	5,788	18,685	0	0	0	-	-	-	-	-	-	-	-	1,062	16,692	21,992	27,656	4,176	-700	-12,483	-17,157	40	-19,436	-99	-14,354	0	0	0
Net (decrease) increase in cash and cash equivalents
-	-14,064	-	-	-	18,479	-6,966	749	6,899	219	528	-3,167	-10,476	-22,820	3,698	6,436	-1,100	29,551	7,850	0	0	0	-5,477	1,196	-3,123	7,748	-13,050	631	1,944	-4,990	19,110	-3,609	3,268	-6,052	0	0	0
Supplemental disclosures of cash flow information
Interest
6,636	6,756	6,711	6,385	5,766	5,163	4,561	4,250	4,036	3,918	3,782	3,671	3,578	3,555	3,520	3,430	3,368	3,247	3,214	0	0	0	3,658	3,900	4,178	4,407	4,741	5,080	5,487	5,914	6,315	6,713	7,067	7,523	0	0	0
Income taxes
-	-	-	-	-	-	-	-	-	-	36	36	36	32	4	4	4	4	14	0	0	0	9	9	13	54	56	56	58	8	6	8	8	8	0	0	0
Non-cash operating activities
Initial recognition of lease liability and right-of-use asset
0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Real estate acquired in full satisfaction of loans in foreclosure
-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,824	3,824	2,902	3,690	4,850	0	0	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Investment securities transferred from held to maturity to available for sale
-	-	-	-	-	-	12,619	12,619	12,619	12,619	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-