Old point financial corp (OPOF)
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'11Jun'11Mar'11
CASH FLOWS FROM OPERATING ACTIVITIES
Net income

7,083

7,860

7,273

6,638

6,004

4,919

642

-198

-29

-29

3,755

4,327

3,718

3,797

3,212

2,723

3,450

3,634

4,670

4,522

4,344

4,116

2,979

3,325

3,239

3,163

4,349

4,386

4,009

4,187

3,657

3,626

4,023

3,290

0

0

0

Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization

2,205

2,220

2,271

2,343

2,408

2,469

2,531

2,598

2,664

2,742

2,772

2,770

2,756

2,725

2,694

2,635

2,582

2,543

2,503

2,504

2,419

2,277

2,137

2,002

1,947

1,952

1,944

1,925

1,906

1,884

1,862

1,835

1,821

1,816

0

0

0

Amount of amortization expense for right-of-use asset from operating lease.

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Accretion related to acquisition, net

178

239

334

352

422

341

199

1,299

602

0

-601

-2,314

-2,284

-2,196

-2,116

-2,137

-2,166

-2,188

-2,203

-2,227

-2,217

-2,241

-2,269

-2,319

-2,399

-2,512

-2,510

-2,450

-2,169

-1,705

-1,274

-974

-540

-285

0

0

0

Provision for loan losses

392

318

2,025

2,774

2,562

2,861

3,084

3,610

4,035

4,160

3,555

2,180

2,430

1,930

2,075

2,125

900

1,025

50

550

625

600

1,300

1,150

1,350

1,300

1,250

1,700

2,400

2,400

2,750

2,600

2,100

3,700

0

0

0

Gain on sale of available-for-sale securities, net

288

314

312

26

66

120

127

129

176

96

89

94

13

522

598

591

585

76

0

0

0

-

-

-

-

-

-

-

-

2,313

2,053

1,819

1,101

787

0

0

0

Net amortization of securities

922

1,103

1,267

1,428

1,529

1,687

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Increase in loans held for sale, net

1,660

111

545

-95

-66

-300

52

-751

715

779

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sale of loans held for sale

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale of loans held for sale

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net loss on disposal of premises and equipment

-

-

-

-

-

-9

-9

-9

-15

-4

-4

-4

-7

3

-1

-2

5

-6

-5

-2

-2

-1

0

0

0

-

-

-

-

0

0

0

0

-

0

0

0

Net (gain) on sale of other real estate owned

0

2

2

2

-84

-86

0

0

0

-

-

-

-

-154

-872

-993

-987

-957

-679

-887

-858

-872

-1,507

-1,198

-1,302

-1,345

-309

-344

-646

-777

-1,323

-1,592

-1,480

-1,413

0

0

0

Bank-owned life insurance income

823

784

789

790

765

782

763

759

785

774

743

760

778

795

868

874

879

885

866

861

856

851

849

849

849

848

843

1,322

1,330

1,339

1,352

866

844

823

0

0

0

Stock compensation expense

260

224

218

246

202

160

111

70

25

17

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

82

108

110

110

110

0

0

0

Deferred tax benefit

-22

352

1,175

1,156

425

-164

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-101

-83

-69

-313

-316

-176

-144

-10

-7

1,343

1,938

2,094

2,094

0

0

0

Increase in other assets

-1,989

-1,967

120

724

890

-338

-1,192

-476

-726

-458

177

-1,227

-270

567

293

394

4,190

3,969

3,937

3,919

-184

-440

451

1,141

881

988

441

-87

-1,838

-1,989

-572

310

1,551

1,756

0

0

0

Decrease in accrued expenses and other liabilities

-984

-625

541

6

-290

732

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Increase (decrease) in other liabilities

-

-

-

-

-

-

-

-

-

-

-

-

138

-243

-426

-740

3,079

3,637

4,043

3,742

258

442

180

297

475

343

404

682

264

410

859

340

679

50

0

0

0

Net cash provided by (used in) operating activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

6,278

-

9,634

9,552

9,948

10,035

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net cash (used in) provided by operating activities

9,385

12,370

12,668

12,792

10,845

12,154

9,899

10,029

8,976

9,438

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

8,746

8,944

9,950

9,775

10,347

9,657

8,945

9,392

0

0

0

CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of available-for-sale securities

97,465

103,036

83,360

36,975

43,676

26,002

14,457

10,011

2,912

23,095

72,342

91,005

111,164

151,204

144,467

144,820

144,431

104,103

84,946

65,577

45,802

25,471

6,246

5,644

8,612

14,746

94,157

184,247

298,106

359,157

382,131

393,168

308,287

251,239

0

0

0

The net cash paid (received) associated with the acquisition or disposal of restricted investments.

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

The net cash (paid) received associated with the sale or purchase of investments that are pledged or subject to withdrawal restrictions during the period.

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash used in purchases of restricted securities, net

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchases of held-to-maturity securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,000

0

0

0

Proceeds from redemption (cash used in purchases) of restricted securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

1,334

-

277

-573

-236

85

85

85

310

184

183

731

1,073

889

0

0

0

-

-

-

-

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

30,075

29,725

24,385

19,145

8,485

10,990

12,415

12,205

32,545

50,290

47,955

46,450

45,320

43,660

62,430

81,865

80,840

80,790

61,245

41,245

21,245

725

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

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

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

Proceeds from maturities and calls of securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

94,790

133,636

127,174

132,670

0

0

0

Proceeds from sales of available-for-sale securities

59,223

65,699

48,146

7,973

16,282

12,536

9,589

9,039

6,210

4,480

7,916

52,447

50,286

107,647

126,507

82,630

80,211

23,005

26,730

27,006

38,808

38,653

16,687

38,038

63,602

63,637

113,169

146,512

178,642

198,217

190,488

162,063

113,705

94,716

0

0

0

Proceeds from payments on available-for-sale mortgage-backed securities.

12,860

11,984

11,290

10,596

10,329

10,183

10,169

10,225

9,954

9,981

10,038

10,159

10,650

11,288

10,584

10,334

10,088

9,353

9,519

9,440

9,240

9,318

0

0

0

-

-

0

0

-

-

-

-

-

-

-

-

Proceeds from sale of loans held for investment

-

-

-

-

-

8,746

8,930

8,746

8,746

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

The (increase) outflow of cash or decrease cash inflow in loans held for investment.

1,753

25,529

37,456

13,390

10,885

-3,568

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net increase in loans held for investment

-

-

-

-

-

-

-

-

-

137,615

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Paydowns on held-to-maturity securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

8,161

7,849

7,480

6,624

6,160

0

0

0

-

-

0

0

-

-

-

-

-

-

-

-

(Purchases) paydowns of consumer installment loans, net

-

-

-

-

-

-

-

-

-

-

-

-

-

2,281

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net increase in all other loans (including repayments on student loans)

-

-

-

-

-

-

-

-

-

-

-

-

-

34,549

32,695

35,826

12,654

26,599

31,327

38,587

47,033

36,985

47,686

53,322

55,436

33,032

19,912

-3,754

-28,000

-44,770

-57,725

-57,173

-69,887

-57,862

0

0

0

Proceeds from sales of other real estate owned

0

85

84

202

295

210

0

0

0

-

-

-

-

1,699

2,199

2,358

1,949

1,956

1,527

1,610

1,632

1,799

1,671

998

1,078

1,404

1,898

1,920

2,178

2,974

4,064

3,822

3,740

2,376

0

0

0

Purchases of premises and equipment

1,652

1,782

1,334

840

787

478

548

492

558

619

691

859

770

891

1,262

1,184

1,154

1,756

1,514

1,771

2,567

3,806

6,443

9,483

11,073

10,883

9,856

7,602

5,792

4,148

2,868

2,219

2,448

2,464

0

0

0

Net cash used in investing activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

16,725

-

-24,678

-33,465

-17,812

-9,245

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net cash (used in) provided by investing activities

5,333

29,131

37,001

14,117

1,562

12,027

-21,763

-36,721

-58,319

-98,370

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

11,393

12,954

-26,988

-45,004

-35,702

-40,960

691

30,040

0

0

0

CASH FLOWS FROM FINANCING ACTIVITIES
Decrease in noninterest-bearing deposits

25,150

16,293

10,891

-2,187

-4,704

14,236

10,773

13,971

-2,295

-2,925

-2,578

17,971

28,475

13,551

29,697

21,849

12,569

28,810

12,997

-312

8,168

3,767

2,864

7,438

7,566

5,773

4,271

4,260

10,879

13,101

17,027

20,947

26,317

34,431

0

0

0

Increase in savings deposits

56,647

31,105

13,093

8,999

14,933

15,487

15,056

4,880

-6,294

601

19,466

36,291

44,753

23,082

10,886

-5,121

1,634

14,292

11,079

24,572

14,454

20,993

23,644

21,660

22,370

17,832

31,812

26,989

31,128

35,905

15,681

19,473

13,405

7,138

0

0

0

(Decrease) increase in time deposits

-15,348

-917

-570

792

-6,923

-14,056

-10,885

343

4,224

1,416

1,060

-4,083

-4,515

1,398

-5,213

-13,387

-17,850

-13,285

-10,453

-17,128

-17,784

-33,511

-41,828

-42,938

-53,689

-52,016

-36,935

-25,057

-1,627

13,931

8,563

3,310

-18,512

-29,904

0

0

0

Decrease in federal funds purchased, repurchase agreements and other borrowings, net

-20,426

-14,923

4,866

-8,637

-9,098

-2,368

-2,919

5,677

8,013

11,989

5,646

-643

-3,650

-7,246

-8,003

-4,016

-4,181

-11,866

-4,321

1,791

-262

6,230

-6,868

36

8,600

-5,640

-1,111

2,113

-12,113

745

-1,867

-7,485

-19,099

-53,966

0

0

0

Increase in Federal Home Loan Bank advances

30,000

10,000

62,500

72,500

87,500

140,500

135,500

165,500

225,500

167,500

120,000

80,000

55,000

55,000

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repayment of Federal Home Loan Bank advances

43,000

33,000

75,500

82,500

102,500

148,000

120,500

155,500

155,500

100,000

95,000

75,000

55,000

80,000

60,000

55,000

50,000

25,000

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from ESPP issuance

87

85

81

79

80

87

291

768

908

1,264

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from exercise of stock options and ESPP issuance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repurchase of stock due to stock option exercises

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from exercise of stock options

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

284

0

0

0

Repurchase and retirement of common stock

-

-

-

-

-

-

-

-

-

157

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash dividends paid on common stock

2,497

2,496

2,442

2,389

2,333

2,262

2,243

2,224

2,203

2,198

2,141

2,086

2,034

1,983

1,935

1,885

1,786

1,686

1,586

1,487

1,388

1,289

1,240

1,191

1,141

1,092

1,040

991

991

991

992

992

992

991

0

0

0

Net cash provided by financing activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-39,614

-

2,716

22,436

8,188

1,190

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by (used in) financing activities

30,613

6,147

12,919

-13,343

-23,045

3,624

25,048

33,356

72,270

77,490

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-3,003

-2,685

17,275

52,691

28,412

35,302

1,191

-43,008

0

0

0

Net decrease in cash and cash equivalents

45,331

47,648

62,588

13,566

-10,638

27,805

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net increase (decrease) in cash and cash equivalents

-

-

-

-

-

-

-

-

-

-11,442

-59,458

-1,844

7,250

-11,136

60,084

11,160

-16,611

3,685

-12,328

-1,477

324

1,980

-39,576

-32,638

-15,408

-10,992

17,136

19,212

237

17,462

3,056

4,000

10,829

-3,576

0

0

0

SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION
Cash payments for: [Abstract]
Interest

6,549

6,396

6,111

5,669

5,171

4,735

4,183

3,772

3,335

2,880

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

3,499

-

3,634

3,681

3,745

3,920

4,152

4,340

4,559

4,791

5,049

5,395

5,688

5,912

6,115

6,278

6,532

6,963

0

0

0

Income tax

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

200

200

375

375

535

535

360

460

550

550

0

0

0

-

-

-

-

-

-

-

-

SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Unrealized gain (loss) on securities available-for-sale

117

2,629

5,615

4,614

2,686

-1,560

-4,345

-3,240

-1,382

1,563

-2,301

-2,841

-1,894

-1,762

2,405

3,923

-113

-755

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Unrealized gain (loss) on securities available-for-sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-6,109

-11,076

-13,897

-12,130

-766

706

0

0

0

-

-

-

-

Loans transferred to other real estate owned

0

-

-

-

0

-

-

-

203

0

0

0

0

-

-

-

-

553

1,300

1,377

1,789

1,815

1,309

1,699

1,614

1,673

0

0

0

-

-

-

0

-

-

-

-

Right of use lease asset and liability

672

751

751

751

751

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Transactions Related to Acquisitions [Abstract]
Unrealized gain on securities available-for-sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Real Estate Owned, Transfer from Real Estate Owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

481

0

0

0

-

-

-

-

-

-

-

-

-

0

0

0

(Increase) decrease in pension liability

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

Equity securities transferred from other assets to available-for-sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

100

0

0

0

-

-

0

0

-

-

-

-

-

-

-

-

Securities transferred from available-for-sale to held-to-maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

Amortization of unrealized loss on securities transferred to held-to-maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

934

927

914

858

835

820

659

458

267

0

0

0

-

-

-

-

-

-

-

-