POAGE BANKSHARES, INC. PBSK Cash Flow

Poage bankshares, inc. (PBSK)

CashFlow / TTM

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	Dec'10
Operating activities:
Net income
-2,455	-2,765	-3,102	-2,868	1,056	1,438	1,759	1,795	1,896	2,062	3,090	3,177	0	0	0	-	-	-	-	-	2,156	1,731	1,402	1,405	1,579	1,859	1,705	1,725	1,554	0	0	0
Net income
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Adjustments to reconcile net income to net cash from operating activities:
Depreciation
740	754	778	798	840	826	859	854	907	927	889	856	705	636	602	569	543	522	474	467	414	405	401	390	391	387	383	376	371	0	0	0
Provision for loan losses
3,205	3,983	3,660	3,516	2,083	1,488	1,227	1,249	841	489	798	514	962	989	595	504	27	0	7	106	106	691	741	864	902	472	575	503	615	0	0	0
ESOP compensation expense
278	256	257	258	259	260	249	241	232	220	217	210	205	203	198	195	193	193	154	154	148	0	0	0	-	-	-	-	-	-	-	-
Stock based compensation expense
176	250	303	303	304	300	305	377	581	539	591	573	523	626	628	629	531	528	491	360	228	0	0	0	-	-	-	-	-	-	-	-
Loss on securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-
Net gains on sales of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	236	246	0	0	0	-	-	-	-
(Gain) Loss on sale of premises and equipment, net
-	-	-	17	-40	-40	-40	36	0	0	0	-	-	-	-	-	-	-	-	-9	-9	0	0	0	-	-	-	-	-	-	-	-
(Gain) Loss on sale and write-downs of other real estate owned, net
-295	-349	-392	-479	-292	-399	-409	-348	-182	-128	-123	-166	-172	-94	-116	-75	-69	-126	-199	-183	-219	0	0	0	-	-	-	-	-81	0	0	0
Loss on sale of repossessed assets, net
0	0	0	-	-	-	-	-	-	-	-	1	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gain on sale of repossessed assets
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of core deposit intangible
337	338	337	339	342	344	346	347	351	356	349	343	428	351	345	264	89	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Accretion of fair value adjustments related to loans
-215	-263	-342	-383	-477	-560	-656	-768	-1,272	-1,425	-1,462	-1,579	-1,548	-1,470	-1,442	-1,103	-456	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Accretion of fair value adjustments related to deposits
-65	-66	-65	-65	-65	-64	-65	-65	-66	-71	-71	-71	-81	-61	-65	-49	-22	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of fair value related to subordinated debenture
65	65	65	65	64	64	64	64	64	64	64	64	64	80	64	48	32	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Loss on fictitious loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-
Net amortization on securities
-169	-140	-82	-59	-129	-134	-228	-241	-314	-403	-477	-495	-561	-242	-685	-677	-623	-1,001	-629	-751	-891	-935	-903	-837	-724	-595	-523	-480	-459	0	0	0
Deferred income tax (benefit) expense
-832	-1,284	-1,448	-1,477	-104	172	301	440	1,244	1,251	1,063	854	362	362	285	296	-12	-243	84	209	300	216	-17	-41	-41	0	0	0	-	-	-	-
Net gain on mortgage banking activities
83	160	170	174	222	194	193	218	190	155	182	208	310	494	538	564	499	460	478	606	0	0	0	-	-	-	-	-	-	-	-	-
Deferred income tax (benefit) expense
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Net gain on sale of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	646	598	490	442	390	344	306	361	0	0	0
Origination of loans held for sale
3,668	5,262	5,095	5,965	7,559	7,676	7,985	8,151	7,699	8,314	6,880	7,486	7,950	7,521	9,311	7,940	7,576	9,226	8,873	10,264	10,457	9,606	10,724	11,611	12,699	11,748	9,118	8,138	10,627	0	0	0
Proceeds from loans held for sale
3,243	5,380	5,415	6,494	8,491	8,045	8,082	8,125	7,294	8,078	7,307	8,039	8,707	8,176	9,623	8,099	7,995	9,880	9,751	11,076	11,420	10,598	10,985	11,857	13,434	11,780	9,616	8,388	11,677	0	0	0
Increase in cash value of life insurance
164	168	170	171	173	175	177	180	181	181	181	181	0	0	0	-	-	-	-	0	-	-	-	-	-	0	0	0	-	-	-	-
Income from death benefit
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	243	213	212	215	198	202	0	0	0	-	-	-	-	226	0	0	0
Change in assets and liabilities, net assets and liabilities acquired:
Accrued interest receivable
91	-32	-112	16	-88	-57	-63	57	3	11	-8	-64	-113	-112	-187	-259	-166	-158	-64	-19	-121	-278	-192	-259	-129	-91	10	135	95	0	0	0
Other assets
-188	-127	-77	-120	69	-344	28	-184	-521	258	27	-621	276	314	47	862	147	-357	-91	-94	-231	42	-309	-388	-159	-1,287	-961	-412	-550	0	0	0
Accrued interest payable
-46	-35	-40	-28	-21	-28	2	14	-54	-39	-43	-31	-91	-71	-45	-16	14	28	61	88	-98	-74	-53	-27	-59	-54	37	-14	-70	0	0	0
Other liabilities
697	1,325	1,554	1,935	353	70	561	738	-139	-157	-1,073	-817	248	673	222	252	745	453	1,369	492	232	368	97	286	-533	-538	-603	-968	-291	0	0	0
Net cash provided by operating activities
-	-	-	-	-	-	-	-	-	-	3,996	4,633	4,553	4,768	4,310	2,509	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by operating activities
3,392	4,644	4,248	4,848	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	4,480	4,970	5,268	3,879	4,143	3,479	3,554	3,455	2,165	3,559	0	0	0
Investing activities:
Net increase in interest-bearing deposits with other institutions
0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in interest-bearing deposits with other institutions
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	100	0	0	0
Securities available for sale:
Proceeds from sales
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	19,721	19,721	0	0	0	-	-	-	15,969	15,969	0	0	0	-	-	-	-
Proceeds from calls
-	-	-	-	-	-	-	-	-	-	-	2,010	5,504	8,765	9,030	15,030	10,536	7,265	11,395	6,895	11,265	24,391	38,006	50,298	54,685	67,419	50,692	43,900	41,143	0	0	0
Proceeds from maturities
1,784	1,535	1,520	1,280	0	0	0	-	-	-	-	1,010	655	670	670	385	800	1,995	2,430	2,999	2,684	0	0	0	-	-	-	-	-	-	-	-
Purchases
20,290	15,844	18,710	15,014	15,565	12,675	7,819	9,368	9,109	9,567	9,501	13,087	12,100	11,966	11,568	3,936	1,379	4,191	12,528	14,528	28,799	42,304	46,252	75,419	94,928	96,743	101,426	73,266	75,065	0	0	0
Principal payments received
11,063	7,700	7,477	7,125	7,202	7,213	7,486	7,369	7,046	6,717	6,806	6,706	6,609	6,451	5,964	5,832	5,652	6,509	8,155	10,281	12,580	0	0	0	-	-	-	-	-	-	-	-
Principal payments received
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-
Purchase of restricted stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-
Cash paid for acquisition, net of cash acquired
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-1,445	-1,445	-1,445	0	0	0	0	-	-	-	-	-	-	-	-	-
Loan originations and principal payments on loans, net
-16,744	-7,727	-4,001	-8,381	1,857	-3,169	14,969	31,380	30,097	25,227	10,829	-2,442	-946	2,559	2,996	7,740	4,655	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from death benefit
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-
Loan originations and principal payments on loans, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4,190	5,142	2,719	988	496	0	0	0	-	-	-	-
Loan originations and principal payments on loans, net
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0
Proceeds from the sale of other real estate owned
1,922	1,824	2,076	1,129	980	1,576	1,466	1,308	1,647	1,009	860	899	450	481	236	128	114	92	150	290	599	0	0	0	-	-	-	-	602	0	0	0
Proceeds from the sale of repossessed assets
0	0	0	-	-	-	-	-	-	-	-	52	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from the sale of premises and equipment
-	-	-	54	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from the sale of repossessed assets
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of premises and equipment
339	160	177	220	339	458	644	569	683	738	650	1,024	2,402	2,422	2,405	2,090	649	516	729	710	542	488	200	203	216	229	255	211	244	0	0	0
Net cash used in investing activities
-	-	-	-	-	-	-	-	-	-	-7,322	3,367	3,168	2,406	19,318	29,407	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by (used in) investing activities
10,215	1,888	-4,404	2,383	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	9,897	6,122	1,522	8,031	2,474	-16,389	-9,969	-26,980	-26,995	-33,465	0	0	0
Financing activities:
Net change in deposits
-9,221	-6	-2,231	-4,593	15,183	27,972	32,209	31,643	24,469	3,884	3,048	4,660	1,880	-6	-3,756	-3,303	-16,178	-16,496	-18,408	-25,864	-19,132	-12,356	-5,246	-829	-6,250	-4,701	-364	6,538	14,910	0	0	0
Proceeds from Federal Home Loan Bank borrowings
0	0	0	-	-	-	-	80,500	100,500	85,500	55,000	48,000	60,000	62,000	53,000	65,000	70,500	0	0	0	-	-	-	0	-	-	-	-	-	-	-	-
Payments on Federal Home Loan Bank borrowings
14,586	19,723	24,806	19,913	14,988	43,130	65,742	86,971	100,110	74,016	58,453	52,465	70,511	81,964	70,337	82,006	78,132	60,363	60,592	34,290	4,442	4,715	5,008	5,239	5,445	5,800	6,222	6,539	9,088	0	0	0
Cash dividend paid
794	796	807	817	892	983	992	1,000	945	879	877	840	803	759	728	702	681	581	520	488	498	0	0	0	-	-	-	-	-	-	-	-
Stock issuance cost paid
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-
Stock repurchases
476	494	3,547	3,798	3,977	5,314	2,818	3,524	3,686	2,622	2,121	2,121	1,709	1,418	1,644	410	402	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by financing activities
-	-	-	-	-	-	-	-	-	-	-1,728	-1,091	-9,468	-20,684	-23,677	-21,633	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-
Stock repurchases
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-
Net cash (used in) financing activities
-16,577	-7,519	-8,391	-11,121	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-25,471	-26,330	-19,693	-12,064	-6,608	-12,100	18,520	22,570	29,290	35,113	0	0	0
Net increase in cash and cash equivalents
-2,970	-987	-8,547	-3,890	6,329	15,785	20,225	513	3,951	-4,209	-5,054	6,909	-1,747	-13,510	-49	10,283	9,097	16,472	-4,819	-11,094	-15,238	-12,903	-154	9	-25,010	12,105	-955	4,460	5,207	0	0	0
Additional cash flows and supplementary information:
Cash paid during the year for:
Interest on deposits and debt
3,136	3,058	2,958	2,875	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest on deposits and debt
-	-	-	-	-	-	-	-	-	-	2,237	2,212	2,285	2,314	2,337	2,180	2,149	3,373	2,832	2,978	3,312	2,177	2,839	3,037	3,312	3,660	3,897	4,255	4,600	0	0	0
Income taxes payment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	200	94	249	249	344	250	0	0	0	-	-	-	0	-	0	0	0
Stock issued for consideration paid in acquisition
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-
Other real estate owned and other repossessed assets acquired in settlement of loans
1,191	2,225	2,058	2,352	2,144	1,019	1,233	1,216	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Real estate acquired in settlement of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	73	192	232	321	950	1,437	1,377	1,288	1,143	551	0	0	0
Real estate transferred from premises and equipment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-