OptimumBank Holdings, Inc. OPHC Cash Flow

Optimumbank holdings, inc. (OPHC)

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	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 loss
-308	-244	-280	-430	-146	-621	-202	1,904	-285	-79	-58	-169	-283	-88	23	-55	-276	-33	46	6	-182	11	-79	1,343	330	-2,334	-325	-2,259	-2,157	-2,320	-1,025	-770	-582	-57	-563	-1,970	-1,157
Adjustments to reconcile net loss to net cash used in operating activities:
Gain on sale of foreclosed real estate
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3	0	0	360	449	0	0	-135	0	-4	-28	25	-25	0	-20	0	-166
Provision for loan losses
189	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	90	-150	150	9	280	0	541	183	-	-	-	-	-	-	-	-
Depreciation and amortization
46	41	46	44	42	44	44	36	35	-	-	32	40	38	40	38	40	37	39	40	41	42	43	44	47	49	52	50	47	41	35	26	26	11	29	32	33
Write-down of foreclosed real estate
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-150	-	-	-	0	-	-	-	-	-	-	-	-
Provision for loan losses
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	822	1,372	1,275	197	154	27	-801	-242	860	34
Common stock issued as compensation to directors
-	-	-	-	-	-	-	-	-	-	-	-	-	14	-190	11	211	13	12	9	208	6	13	10	210	12	12	14	9	-14	17	25	0	-	-	-	-
Gain on sale of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	32	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net amortization of fees, premiums and discounts
38	50	59	51	43	69	52	52	64	-105	81	134	101	286	-77	43	72	57	343	44	96	-7	9	273	63	0	379	-348	9	22	10	-19	9	31	15	147	-69
Increase in accrued interest receivable
8	78	-16	46	10	-47	33	44	-32	-	23	-39	2	-9	39	-92	-20	17	9	-9	19	-21	-27	-20	-2	-17	10	3	1	22	-7	-11	-4	-	-	-	-
Amortization of right of use asset
38	-	-	-	17	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net decrease in lease liability
34	-	-	-	16	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gain on sale of securities available for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-234	3	17	28	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Decrease (increase) in other assets
-24	-379	377	-91	328	46	-64	0	3	71	-45	-113	111	83	-215	37	99	-81	-216	213	71	58	-165	124	-23	62	299	-177	-99	124	-40	-307	100	111	97	-263	-207
Write-down of foreclosed real estate
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	524	180
Decrease in accrued interest receivable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-54	38	-85
(Decrease) increase in official checks and other liabilities
-17	293	-169	-156	208	-210	156	472	151	190	13	211	335	-22	263	-197	159	-279	-643	376	268	42	-273	130	-184	35	-164	704	-384	189	-338	188	-502	877	-355	-232	508
Net cash provided by operating activities
-	-	-	-	-	-	-	-	-	-	-	-	-	214	232	6	99	-209	256	274	306	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other-than-temporary impairment of securities available for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-9	-149	-204	-	-	-	-	-	-	-	-
Other-than-temporary impairment losses
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-
Net cash used in operating activities
-32	535	-657	-246	-190	-371	81	320	-6	34	96	360	80	-	-	-	-	-	-	-	-	-	-	-	201	-2,003	-326	-18	-619	-712	-903	45	-1,093	834	-1,139	-567	-13
Cash flows from investing activities:
Purchase of securities available for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	10,444	8,309	3,070	5,915	1,261	7,817	1	3,235	8,163	91	3,127	9,055	1,434	8,735	5,504	0	-	-	-	-	-	-	-	-
Principal repayments of debt securities available for sale
514	430	337	185	154	240	108	201	357	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	5,048
Principal repayments of securities available for sale
-	-	-	-	-	-	-	-	-	533	645	578	433	1,252	1,183	-5,950	7,841	555	1,237	-739	2,964	-3,075	4,864	988	894	2,100	3,469	1,662	1,487	2,851	3,918	1,952	2,286	-	-	-	-
Net (increase) decrease in loans
-	-	-	-	-	-	-	-	-	-	-49	-6,207	-1,422	-	-	-	771	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Principal repayments of debt securities held-to-maturity
340	402	450	334	193	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in loans
5,205	8,993	11,288	2,388	1,314	1,290	5,247	-104	918	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases of premises and equipment
140	-	-	-	43	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net decrease (increase) in loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6,595	-5,640	3,223	3,638	315	4,059	-5,640	-1,210	-2,841	-2,401	-764	2,937	2,552	518	179	-929	-6,818	-3,049	-2,980	-2,463
Proceeds from sale of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7,556	3,405
Purchases of premises and equipment
-	-	-	-	-	-	-	-8	113	24	38	10	22	6	14	50	31	1	13	4	6	58	21	8	46	15	24	50	82	88	156	91	8	-5	0	1	4
Redemption (purchase) of FHLB stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	169	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sale of foreclosed real estate, net
-	-	-	-	-	-	-	-	-	-	-	-	-	2,586	0	0	1,617	1,069	0	425	185	150	0	2,966	1,000	1	0	2,942	0	-	-	-	-	1	2,060	0	1,643
Capital improvements on foreclosed real estate
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	35	0	22	0	0	0	0
(Purchase) redemption of FHLB stock
449	0	0	0	-490	-	-	-	-	0	0	0	-134	-	-	-	-	96	-213	-170	24	90	0	0	-57	114	-337	0	-59	0	-292	-389	0	-	-	-	-
Net cash provided by investing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	7,746	-747	4,795	2,572	-6,093	5,529	-1,386	-3,754	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash used in investing activities
-4,940	-8,108	-10,624	-6,073	-520	-752	-4,855	263	-674	5,799	2,934	6,775	1,967	-	-	-	-	-	-	-	-	-	-	-	-5,940	3,383	-587	-186	-1,473	1,185	3,628	2,261	3,185	14,635	7,682	16,464	2,459
Cash flows from financing activities:
Net increase in deposits
4,387	8,107	7,364	5,077	18,446	4,339	6,480	-3,538	-10,154	-12,201	-4,276	-5,343	984	-4,299	-1,833	-401	-5,029	4,767	-5,917	7,176	-58	2,480	-6,740	-5,957	3,128	1,399	-386	1,796	-5,728	-3,915	-1,138	1,131	-2,362	-21,329	-8,347	-4,727	-5,940
Net decrease in federal funds purchased
-	0	0	0	-560	-	-	-	2,767	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase (decrease) in FHLB Advances
10,000	0	0	0	-11,600	-1,950	0	5,550	500	-	0	0	-3,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in federal funds purchased
-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Increase in advanced payment by borrowers for taxes and insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	33	160	222	-608	265	-40	309	-653	225	132	150	-568	132	388	-58	-698	214	160	85
(Repayments) purchase of Federal Home Loan Bank advances, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4,000	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-
Net decrease in advanced payment by borrowers for taxes and insurance
-	-	-	-	-	-	-	-	-	511	-24	-163	-110	461	-124	-172	-135	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net (decrease) increase from FHLB Advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3,750	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sale of common stock
539	-	-	-	-	-	-	358	46	30	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	254	1,595	137	1,643	8,636	0	0	0
Net cash used in financing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-1,760	-1,709	-3,029	-1,144	8,387	-12,569	3,386	4,164	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by financing activities
14,926	8,107	7,364	5,077	6,286	3,059	6,491	-397	-6,841	-12,682	-4,252	-5,180	-1,906	-	-	-	-	-	-	-	-	-	-	-	3,437	3,310	-7,561	1,928	-5,578	-4,229	-3,411	1,656	-777	-13,391	-8,133	-4,567	-5,855
Net increase in cash and cash equivalents
9,954	534	-3,917	-1,242	5,576	1,936	1,717	186	-7,521	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net (decrease) increase in cash and cash equivalents
-	-	-	-	-	-	-	-	-	-	-1,222	1,955	141	6,200	-2,224	1,772	1,527	2,085	-6,784	2,274	716	3,305	-4,659	1,849	-2,302	4,690	-8,474	1,724	-7,670	-3,756	-686	3,962	1,315	2,078	-1,590	11,330	-3,409
Supplemental disclosure of cash flow information:
Interest
460	507	473	406	370	303	236	198	194	232	251	258	239	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	236	210	186	181	180	176	173	178	198	204	443	448	510	525	560	622	636	640	748	791	842	902
Income taxes
-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Income taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	0	-	-	-	0
Noncash transaction -
Change in accumulated other comprehensive loss, net change in unrealized gain on debt securities available for sale, net of income taxes
53	15	25	68	17	22	4	-59	-47	-56	14	28	16	-162	-176	66	158	-217	110	-237	123	-115	-57	126	125	-	-	-	-	-	-	-	-	-	-	-	-
Reclassification of stock compensation from other liabilities to common stock
-	-	-	-	-	-	-	-	614	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of unrealized loss on debt securities transferred to held-to-maturity
24	-	-	-	17	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Right-of use lease assets obtained in exchange for operating lease liabilities
-	-	-	-	281	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Right-of-use lease assets obtained in exchange for operating lease liabilities
-	-	-	-	281	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of unrealized loss on securities transferred to held-to-maturity
24	-	-	-	17	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Reclassification of stock compensation from other liabilities to common stock
-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change in accumulated other comprehensive loss, net change in unrealized loss on securities available for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-31	123	603	111	327	-	-	-	-
Loans transferred to foreclosed real estate
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	182	0	551	0	0	0	697	-	-	-	-	-	-	-	-
Change in accumulated other comprehensive loss, net change in unrealized loss on securities available for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	21	-875	0
Loans transferred to foreclosed real estate
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,501	1,655	0	497	3,564	75	4,957