Premier financial bancorp inc (PFBI)
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

23,388

24,196

23,941

22,695

21,211

20,168

18,298

16,744

16,288

14,819

14,457

14,154

12,859

12,174

11,619

11,780

12,283

12,446

12,823

12,649

12,622

13,150

13,611

14,386

14,395

13,229

12,529

11,014

9,997

10,323

9,988

9,390

8,327

7,168

0

0

0

Adjustments to reconcile net income to net cash from operating activities
Depreciation

0

-

-

-

0

-

-

-

1,708

1,720

1,776

1,837

1,907

1,934

1,866

1,797

1,747

1,695

1,714

1,714

1,674

1,575

1,496

1,400

1,326

1,342

1,352

1,391

1,420

1,445

1,445

1,451

1,454

1,468

0

0

0

Provision for loan losses

1,690

1,250

1,740

1,590

1,760

2,315

2,356

2,972

3,248

2,499

2,345

1,766

1,802

1,748

1,530

1,527

569

326

619

846

913

534

-778

-1,264

-1,255

-375

1,850

3,060

3,880

4,260

3,440

2,990

4,060

3,630

0

0

0

The aggregate net amount of amortization and accretion recognized during an accounting period. As a noncash item, the net amount is added back to net income when calculating cash provided by or used in operations using the indirect method.

148

7

400

707

862

1,295

1,404

1,638

1,584

1,586

1,780

2,051

2,435

2,624

2,318

1,344

981

462

228

524

681

701

772

-110

-744

-463

-361

154

926

-1,098

-1,633

-1,587

-2,682

-1,351

0

0

0

Writedowns (gains on the sale) of other real estate owned, net

-1,007

-978

-635

-570

-615

450

469

395

225

-874

-615

-1,053

-719

-689

-946

-794

-875

-1,063

-590

-340

483

714

-98

10

-726

-716

-1,021

-921

-947

-957

811

464

432

394

0

0

0

Stock compensation expense

302

301

291

280

264

252

240

229

224

217

212

205

78

178

176

183

185

204

228

241

345

248

249

252

165

169

175

183

199

181

163

144

117

106

0

0

0

Loans originated for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,679

3,191

5,166

6,727

6,679

6,301

7,542

7,693

11,053

14,234

14,091

16,136

14,472

13,321

14,456

14,711

15,759

0

0

0

Secondary market loans sold

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,941

3,679

5,819

7,231

6,729

6,784

7,486

7,443

11,432

13,863

14,389

16,973

14,653

14,088

15,946

14,331

17,491

0

0

0

Secondary market mortgage income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

38

95

168

218

199

187

184

181

256

320

324

380

311

268

302

251

314

0

0

0

Gain on disposition of securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

0

-

-

-

-

1,413

492

693

693

545

0

0

0

-

-

-

-

Changes in:
Interest receivable

209

59

-246

359

385

-300

49

127

-137

181

41

-173

123

102

14

-59

12

-57

65

-115

-477

-584

-324

-392

-247

-271

-460

-340

-295

-94

-42

23

-186

-245

0

0

0

Other assets

-949

-287

756

-238

-39

-1,404

21

330

759

1,047

-49

-69

77

67

409

56

-267

48

1,443

1,384

450

484

-542

-1,510

85

-649

-1,389

152

-2,804

-3,439

-222

-2,318

404

1,954

0

0

0

Interest payable

-120

54

167

240

270

157

139

110

55

29

26

1

-19

-44

-94

-123

-102

-113

-104

-74

-82

-83

-103

-103

-112

-106

-138

-166

-211

-223

-232

-252

-218

-187

0

0

0

Other liabilities

-1,017

-341

769

-148

1,564

-62

104

-625

-1,421

-922

88

1,269

633

-938

-2,513

-2,676

-2,195

-105

-810

-567

-1,329

-166

859

472

1,916

446

374

318

678

396

843

226

-3

197

0

0

0

Net cash from operating activities

28,689

29,231

29,538

27,887

27,989

27,134

24,490

22,685

21,636

20,391

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

17,963

19,480

13,855

14,427

0

0

0

Cash flows from investing activities
Net cash from operating activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

15,848

-

17,528

18,216

17,981

18,523

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net change on time deposits with other banks

-

-

-

-

-

-

-

-

0

-250

1,891

1,891

1,891

2,141

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchases of securities available for sale

100,190

66,684

58,186

74,359

109,196

110,869

100,657

71,563

41,663

57,223

71,533

76,015

75,922

44,835

66,508

76,911

86,849

95,606

51,610

32,687

32,924

36,435

36,435

34,453

20,428

27,230

27,230

43,316

60,542

73,771

86,054

90,986

118,214

122,730

0

0

0

Proceeds from maturities and calls of securities available for sale

119,603

95,014

84,029

67,714

67,333

65,181

63,362

65,077

63,938

65,794

71,108

78,007

79,516

82,332

76,542

70,986

69,966

66,927

67,785

61,302

58,575

52,043

47,922

51,199

55,979

73,801

78,650

84,493

85,714

69,329

68,084

89,535

106,212

109,165

0

0

0

Purchase of FHLB stock

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-198

2

0

0

0

-

-

-

-

373

0

0

0

Redemption of FHLB stock

349

273

880

880

852

792

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Redemption of FRB stock

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Acquisition of subsidiary, net of cash acquired (paid)

-

-

-

-

-

-

-

-

-

-

-

-

-

-11,912

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of subsidiaries, net of cash received

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net change in loans

-11,274

5,241

-9,669

6,895

13,962

-13,431

-5,229

3,116

2,018

36,792

23,316

11,644

54,672

43,868

46,195

16,334

-13,833

-24,552

5,966

51,565

40,395

45,545

29,465

24,832

38,178

35,838

39,091

43,904

28,412

16,103

8,407

-23,576

-29,224

-26,066

0

0

0

Purchases of premises and equipment, net

1,409

1,589

2,028

2,026

3,475

3,460

3,371

3,387

1,652

1,382

719

599

500

478

701

719

786

912

1,290

1,478

1,555

1,391

3,022

3,133

3,013

3,188

1,203

854

856

1,042

1,192

1,105

1,319

1,086

0

0

0

Improvements to OREO property

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

59

29

34

-19

-48

194

1,515

2,110

2,920

2,897

0

0

0

-

-

-

-

-

-

-

-

Proceeds from sales of other real estate acquired through foreclosure

2,314

2,348

1,470

1,145

1,047

7,778

10,312

10,381

11,178

4,577

2,593

2,545

2,109

1,636

1,118

2,576

3,091

4,672

4,955

3,747

4,187

3,901

4,495

4,854

3,866

3,846

5,736

6,118

6,724

6,105

6,318

5,150

5,503

5,135

0

0

0

Net cash from (used in) investing activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

15,648

-

23,140

-6,520

43,335

27,978

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net cash from (used in) investing activities

27,564

19,744

39,903

-9,472

-53,322

-23,068

-24,617

-2,596

29,798

-25,261

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-21,914

25,583

23,227

18,430

0

0

0

Cash flows from financing activities
Net change in deposits

-77,145

-20,118

-24,679

1,007

18,403

25,280

50,215

16,924

4,862

-6,735

-4,218

10,082

14,142

14,048

-10,265

-8,469

-10,643

-14,863

1,980

-18,756

-34,268

-33,041

-31,650

-27,813

3,455

-6,524

-22,015

-16,867

-11,718

5,604

8,963

9,928

-47,854

-59,783

0

0

0

Net change in agreements to repurchase securities

-2,331

-1,634

-3,368

-1,392

871

-1,609

-388

1,387

-2,071

-510

-2,028

-11,459

-1,669

-42

4,444

14,462

4,266

6,114

7,377

4,304

7,609

4,261

-1,416

2,488

-49

-14,783

-9,759

-11,192

-11,095

2,897

-2,815

-6,351

-841

-6,432

0

0

0

Advances from FHLB

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repayment of other borrowed funds

1,450

2,500

3,350

3,800

2,800

2,500

2,650

3,200

4,001

3,859

3,468

3,075

2,433

2,433

2,531

14,378

16,377

16,376

16,277

4,430

2,429

2,422

2,414

2,407

2,322

2,249

2,173

2,094

2,091

2,081

2,073

2,064

2,055

2,048

0

0

0

Repayment of FHLB advances

4,400

2,500

22,000

22,000

21,000

19,500

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repayment of other FHLB advances

-

-

-

-

-

-

-

-

-

-

-

-

-

-

772

760

53

0

0

0

0

-

-

-

-

-

-

-

-

-

-

12,517

12,541

2,564

0

0

0

Net change in short-term Federal Home Loan Bank advances

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Proceeds from stock option exercises

226

246

201

232

231

193

237

280

229

317

354

369

771

751

649

541

292

222

382

483

679

731

694

648

634

571

0

0

0

-

-

-

-

-

-

-

-

Preferred stock dividends paid

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

553

640

600

600

600

600

728

856

984

1,112

1,112

1,668

1,390

0

0

0

Common stock dividends paid

8,791

8,786

8,782

8,576

8,399

7,805

7,213

6,820

6,402

6,398

6,391

6,243

6,091

5,933

5,565

5,340

4,954

4,573

4,404

4,152

4,062

4,854

4,680

4,590

4,498

3,524

3,515

3,505

2,625

1,749

0

0

0

-

-

-

-

Net cash from financing activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-17,198

-

-10,734

-36,479

-44,874

-47,878

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net cash from financing activities

-88,891

-35,292

-61,978

-34,542

-12,707

-5,954

40,188

8,571

-7,383

-17,185

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-17,333

-11,160

-62,559

-72,217

0

0

0

Net change in cash and cash equivalents

-32,638

13,683

7,463

-16,127

-38,040

-1,888

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net change in cash and cash equivalents

-

-

-

-

-

-

-

-

-

-

-19,544

-3,699

-28,421

32,179

-17,163

14,425

14,298

-2,845

29,934

-24,783

16,442

-1,377

5,417

26,595

17,552

6,516

774

-26,884

-15,206

-12,643

-21,284

33,903

-25,477

-39,360

0

0

0

Supplemental disclosures of cash flow information:
Cash Paid During Year For [Abstract]
Cash paid during period for interest

9,870

9,623

9,121

8,010

6,863

5,911

5,026

4,666

4,498

4,473

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash paid during period for interest

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

4,243

-

4,269

4,340

4,428

4,419

4,465

4,529

4,652

4,881

5,229

5,656

6,123

6,659

7,150

7,647

8,101

8,514

0

0

0

Income taxes paid, net

-

-

-

-

-

-

-

-

-

-

-

-

-

7,123

6,382

6,467

6,151

5,946

4,809

4,869

4,042

4,302

5,253

4,333

5,167

5,410

5,471

6,548

3,052

2,549

0

0

0

-

-

-

-

Non-cash transactions
Loans transferred to real estate acquired through foreclosure

1,647

1,509

1,650

1,769

1,855

1,386

12,764

12,655

12,612

12,681

2,302

2,026

1,887

1,950

683

5,047

5,054

5,778

5,851

1,853

2,013

1,677

1,913

2,020

1,835

1,823

4,094

3,831

3,996

5,786

0

0

0

-

-

-

-

Represents future cash outflow for securities purchased and owned by the Company, but not yet settled through a cash transaction.

-

-

-

-

-

-

-

-

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Operating right-of-use asset resulting from lease liability

-130

7,152

7,412

7,558

7,453

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans transferred to real estate acquired through foreclosure

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0