Oconee federal financial corp. (OFED)
CashFlow / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11
Cash Flows From Operating Activities
Net income

3,950

3,956

3,785

3,720

3,669

4,025

3,047

3,035

3,656

3,732

5,109

5,525

5,441

5,446

5,077

5,246

5,026

4,769

4,910

4,512

4,121

3,841

3,764

3,639

3,852

3,850

3,942

4,040

4,168

4,259

4,053

4,013

0

0

0

Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses

-

-

-

218

267

200

134

108

85

170

184

203

211

118

371

451

0

0

0

-

-

-

-

108

85

225

200

260

303

204

383

270

0

0

0

Provision for real estate owned

154

154

65

55

18

18

18

26

49

49

49

126

186

186

201

193

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Provision for real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

346

0

0

0

Depreciation and amortization, net

1,201

1,163

1,150

1,148

1,201

1,246

1,270

1,317

1,320

1,344

1,410

1,420

1,287

1,457

1,299

1,269

1,370

1,178

1,179

1,075

1,008

882

876

907

977

1,064

1,130

1,154

1,096

842

764

579

0

0

0

Net accretion of purchase accounting adjustments

138

188

199

247

189

10

-173

-190

220

492

497

475

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net accretion of purchase accounting adjustments

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-136

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Deferred loan costs, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-14

23

-44

-33

47

436

389

325

600

-66

81

138

0

0

0

Deferred income tax expense/(income)

467

260

97

18

148

96

1,126

1,137

619

807

-241

-110

429

801

952

1,605

3,295

2,762

2,666

1,923

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net loss on sale of real estate owned

-

-

-

-7

25

46

104

96

53

62

11

86

149

131

134

-14

-137

-101

-67

-6

63

39

-5

-11

-11

-15

-6

65

0

0

0

-

-

-

-

Net gain on sale of premises and equipment

-

-

-

29

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Change in loan servicing asset

360

236

235

225

149

7

39

48

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net gain/(loss) on sales of securities

135

-29

-29

-40

-67

-16

-16

-7

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Change in loan servicing asset

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-309

-350

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale of real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Net gain on sales of securities

-

-

-

-

-

-

-

-

-

-

-

128

152

244

187

128

104

129

153

149

0

0

0

-

-

-

-

-

-

-

-

185

0

0

0

Mortgage loans originated for sale

10,941

8,889

6,804

5,498

5,269

5,447

5,096

4,455

3,691

2,402

1,882

2,114

2,472

3,293

3,847

4,282

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Mortgage loans sold

9,997

9,198

7,001

5,620

5,569

5,662

5,107

4,764

3,782

2,149

2,229

2,036

2,647

3,321

3,541

4,304

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sales of mortgage loans

139

155

128

122

122

99

80

64

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Change in fair value of equity securities, net

-105

158

178

83

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sales of mortgage loans

-

-

-

-

-

-

-

-

-

-

-

-

16

28

26

33

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Increase in cash surrender value of bank owned life insurance

-

-

-

-

-

-

-

-

490

499

507

513

520

527

528

514

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loss from other-than-temporary impairment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

8

0

0

0

Income on bank owned life insurance

461

465

467

468

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

292

298

307

0

0

0

-

-

-

-

-

-

-

-

Gain on payoff of purchase credit impaired loans

-

-

-

-

-

-

-

-

-

-

-

729

988

506

443

1,119

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

ESOP compensation expense

399

375

400

421

452

436

475

508

495

526

552

496

471

441

510

508

508

521

488

475

461

447

392

382

371

358

283

264

246

231

235

217

0

0

0

Stock based compensation expense

79

93

109

126

141

193

164

134

130

118

186

256

300

288

288

288

288

297

288

278

267

261

257

248

240

231

226

227

0

0

0

-

-

-

-

Net change in operating assets and liabilities:
Accrued interest receivable and other assets

-148

-210

-48

69

25

34

-17

-173

177

154

93

-109

-663

-510

-480

10

792

727

677

709

-65

66

-19

-70

-76

-80

-57

-51

7

-110

109

140

0

0

0

Accrued interest payable and other liabilities

-206

341

1,043

417

814

146

34

155

-163

-296

146

246

-185

510

-72

144

0

0

0

-

-

-1

-310

-2

-5

-12

-25

-19

-37

-26

-18

-32

0

0

0

Net cash provided by operating activities

4,715

6,256

6,369

5,518

6,087

5,804

5,724

6,379

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash Flows From Investing Activities
Other

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-1,134

-827

42

-193

-159

24

395

697

796

627

9

-22

0

0

0

Net cash provided by operating activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

7,607

8,150

9,458

8,704

6,661

5,731

4,022

3,961

4,403

4,464

5,021

5,039

5,674

6,209

6,245

6,656

5,644

5,150

0

0

0

Purchases of premises and equipment

2,464

2,411

1,659

1,811

1,303

1,366

1,523

669

554

507

232

195

98

218

198

204

353

163

423

435

358

448

217

152

135

34

58

70

106

66

146

153

0

0

0

Disposal of premises and equipment

-

-

-

29

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchases of securities held-to-maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,486

3,735

4,233

2,988

1,992

0

0

0

-

-

-

-

Purchases of securities available-for-sale

29,644

18,672

16,609

12,201

4,184

3,102

8,837

18,288

26,119

25,932

28,632

29,352

33,496

48,297

57,589

51,983

55,273

47,831

40,613

38,274

32,380

33,532

35,999

37,924

43,169

44,552

42,902

45,925

45,892

47,244

46,695

53,581

0

0

0

Proceeds from maturities, paydowns and calls of securities available-for-sale

19,216

17,075

13,780

11,054

12,025

12,507

12,510

13,866

15,916

14,953

16,000

18,479

22,325

28,396

29,112

26,469

23,467

22,026

21,726

21,027

18,233

15,586

15,086

13,981

12,614

12,112

11,083

11,611

12,230

9,284

9,285

6,669

0

0

0

Proceeds from maturities, paydowns and calls of securities held-to-maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,598

2,631

2,625

2,860

2,754

2,241

0

0

0

Proceeds from sales of securities available-for-sale

26,462

28,003

28,003

23,928

12,211

1,176

1,176

3,980

3,934

9,134

21,629

20,785

21,539

21,388

8,893

6,904

6,362

5,917

10,837

11,174

0

0

0

-

-

-

-

-

-

-

-

13,621

0

0

0

Purchases of restricted equity securities

-

-

-

940

771

1,549

1,592

1,488

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Redemptions of restricted equity securities

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Sales of restricted equity securities

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchases of bank owned life insurance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

8,000

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sale of real estate owned

371

417

417

633

733

485

724

473

1,021

1,094

918

1,552

1,371

1,648

1,734

2,357

2,616

2,927

3,668

2,568

1,749

1,109

219

196

369

447

802

1,300

1,421

1,628

2,558

1,935

0

0

0

Dispositions of purchased credit impaired loans

-

-

-

-

-

-

-

-

-

-

-

-

345

505

1,742

2,587

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loan originations and repayments, net

-7,533

3,522

19,092

32,469

41,224

40,059

29,658

20,904

13,383

15,248

17,504

15,503

14,612

5,158

-6,826

-13,509

-25,490

-27,968

-21,954

-15,621

760

9,601

11,254

8,977

-1,417

-8,305

-21,278

-27,347

-27,182

-23,417

-19,945

-14,199

0

0

0

Net cash provided/(used) in investing activities

21,996

22,159

4,861

-11,135

-21,992

-30,856

-25,877

-22,158

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash (used)/provided by financing activities
Net cash used in investing activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-10,061

-8,942

-896

6,716

35,334

36,984

25,713

11,671

-12,338

-15,247

-16,621

-14,751

-9,827

-4,738

-62

-7,438

-11,357

-17,068

0

0

0

Net change in deposits

2,358

18,453

23,238

31,518

19,930

22,651

16,742

-6,917

-10,827

-25,115

-20,749

-5,129

-2,409

-755

13,115

5,541

-3,467

-10,188

-31,850

-26,136

-20,832

-16,052

-10,836

-11,407

-11,388

-7,224

-4,728

-946

524

-1,652

1,741

899

0

0

0

Proceeds from notes payable to FHLB

-

-

-

54,100

63,600

69,100

35,500

43,000

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repayment of notes payable to FHLB

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Dividends paid

2,236

2,212

2,212

2,214

2,216

2,217

2,213

2,211

2,215

2,221

2,213

2,221

2,230

2,222

2,247

2,252

2,251

2,236

2,247

2,242

2,239

2,267

2,235

2,236

2,250

2,295

2,359

2,418

2,675

2,613

2,479

2,058

0

0

0

Purchase of treasury stock

2,196

1,899

1,862

1,587

1,428

666

741

428

704

1,085

993

1,486

0

0

0

-

-

-

-

-

-

-

-

1,626

0

0

0

-

-

-

-

-

-

-

-

Net cash provided/(used) by financing activities

-15,894

-17,978

16,344

32,397

22,286

29,454

20,788

4,944

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Change in cash and cash equivalents

-

0

27,574

-

-

4,402

635

-10,835

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash used in provided by financing activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

9,154

2,276

-6,060

-12,491

-34,132

-28,413

-23,132

-18,521

-13,266

-15,269

-17,536

-16,184

-16,295

-11,141

-7,771

-6,942

-879

-1,300

0

0

0

Change in cash and cash equivalents

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6,700

1,484

2,502

2,929

7,863

14,302

6,603

-2,889

-21,201

-26,052

-29,136

-25,896

-20,448

-9,670

-1,588

-7,724

-6,592

-13,218

0

0

0