Randolph bancorp, inc. (RNDB)
CashFlow / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15
Cash flows from operating activities:
Net loss

2,661

3,428

2,372

1,086

-1,430

-2,086

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net loss

-

-

-

-

-

-

-

-

-

-

-

-854

14

463

1,268

618

-468

-754

0

0

0

Adjustments to reconcile net loss to net cash provided by (used in) operating activities:
Provision for loan losses

0

-

-

-

-

762

388

210

400

540

536

376

276

103

0

0

0

-

-

-

-

Loans originated for sale

1,025,487

913,656

732,078

525,456

430,094

393,251

371,858

378,667

380,053

398,696

463,225

545,090

467,163

404,555

270,825

112,944

105,121

105,834

0

0

0

Net gain on sales of mortgage loans

22,655

18,900

15,846

10,724

8,062

7,539

7,390

7,945

8,947

9,438

0

0

0

-

-

-

-

-

-

-

-

Proceeds from sales of mortgage loans

1,036,661

913,548

687,112

507,258

421,971

391,149

381,669

377,991

386,833

413,196

0

0

0

-

-

-

-

-

-

-

-

Principal balance of loans sold

-

-

-

-

-

-

-

-

-

-

-

-

-

403,632

270,269

114,443

106,364

105,305

0

0

0

Net amortization of securities

-209

-187

-133

-155

-162

-183

-215

-227

-254

-271

-338

-277

-280

-250

-236

-247

-215

-220

0

0

0

Net change in deferred loan costs and fees, and purchase premiums

-85

-102

60

-56

29

56

137

193

245

276

170

113

-39

-111

-113

-29

111

152

0

0

0

(Gain) loss on sales/calls of securities and impairment write-down

-

-

-

-

-

-11

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sales of securities

-

-

-

-

-

-

-

-

-

-

-

-

-

162

423

62

62

-7

0

0

0

Depreciation and amortization

866

857

853

852

899

835

773

744

615

605

692

619

580

588

432

508

591

631

0

0

0

Stock-based compensation

1,634

919

881

868

806

797

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

ESOP expense

281

283

275

288

297

301

301

292

288

286

0

0

0

-

-

-

-

-

-

-

-

Increase in cash surrender value of life insurance

-185

-185

-209

-235

-225

-218

-187

-153

-153

-153

-146

-144

-154

-172

-195

-219

-231

-236

0

0

0

Net (increase) decrease in mortgage servicing rights

652

-770

-1,143

-1,356

-1,541

-1,389

-1,277

2,147

2,279

2,089

2,718

-484

-603

-297

-584

-391

-187

-122

0

0

0

Other, net

-2,178

-2,272

2,084

-2,637

-337

1,484

76

251

-1,151

-797

-4,013

-59

-874

488

2,353

-1,187

-784

-1,333

0

0

0

Net cash provided by (used in) operating activities

-6,748

-16,475

-57,175

-31,446

-19,130

-11,291

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Cash flows from investing activities:
Net cash provided by operating activities

-

-

-

-

-

-

-

-

-

-

-

-

11,267

914

2,473

96

-179

-2,715

0

0

0

Redemptions of certificates of deposit

-

-

-

-

-

-735

-245

-490

-490

-735

0

0

0

-

-

-

-

-

-

-

-

Purchases of certificates of deposit

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Securities available for sale:
Sales

-

-

-

-

-

8,958

0

0

0

-

-

-

-

-

-

-

-

2,990

0

0

0

Calls/maturities

0

-

-

-

-

5,562

2,215

2,431

3,381

2,586

841

562

3,740

6,970

0

0

0

-

-

-

-

Purchases

-

-

-

-

-

9,993

0

0

0

-

-

-

-

23,405

21,745

2,000

2,000

549

0

0

0

Principal payments on mortgage-backed securities

7,295

5,760

4,079

3,857

5,650

5,589

6,962

7,014

4,191

4,278

4,793

4,482

5,964

5,872

0

0

0

-

-

-

-

Principal payments on mortgage-backed securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Loan originations, net of principal repayments

18,673

8,583

26,328

65,027

85,397

96,088

82,609

46,903

28,871

31,614

19,495

12,568

15,151

12,175

11,512

20,028

37,280

34,408

0

0

0

Loan purchases

5,929

5,412

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

1,446

0

0

0

Loans purchased, net of principal repayments

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

0

-

-

-

-

Redemptions (purchases) of Federal Home Loan Bank of Boston stock

-777

-2,283

-486

2,220

1,046

1,390

562

567

403

832

541

-4

-749

-899

-1,009

-402

456

925

0

0

0

Proceeds from sales of buildings

-

-

-

-

-

-

-

-

-

-

-

-

-

1,231

0

0

0

-

-

-

-

Purchases of premises and equipment

226

237

316

390

847

1,430

2,618

3,396

3,534

3,177

2,329

1,609

935

1,071

679

576

666

406

0

0

0

Net cash (used in) provided by investing activities

-1,652

7,915

20,667

-47,328

-62,828

-73,365

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Cash flows from financing activities:
Net increase in non-brokered deposits

35,602

29,634

20,090

7,268

18,217

16,820

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net decrease in brokered deposits

25,596

30,278

43,567

11,486

30,012

53,474

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net cash used in investing activities

-

-

-

-

-

-

-

-

-

-

-

-

-45,614

-31,191

-20,481

-1,721

-23,026

-23,196

0

0

0

Net increase in deposits

-

-

-

-

-

-

-

-

-

-

-

-

-478

194

0

0

0

-

0

0

0

Net decrease in short-term Federal Home Loan Bank of Boston borrowings

78,857

62,862

35,469

-54,160

-37,022

-17,945

-25,399

-13,188

-29,953

-44,841

-43,089

-34,488

-302

-12,497

0

0

0

-

-

-

-

Issuance (repayments) of long-term Federal Home Loan Bank of Boston advances, net

-48,999

-20,000

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from long-term Federal Home Loan Bank of Boston advances

-

-

-

-

-

-

-

-

-

-

-

-

-

1,449

1,509

13,935

25,459

31,401

0

0

0

Repayments of long-term Federal Home Loan Bank of Boston advances

-

-

-

-

-

4,863

4,923

4,972

9,520

7,554

14,567

12,465

9,990

23,381

14,606

20,915

21,165

20,566

0

0

0

Net increase (decrease) in mortgagors' escrow accounts

82

-77

389

304

316

1,222

499

-131

-28

-665

-742

-195

-321

-448

59

-13

108

107

0

0

0

Stock offering costs

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

Repurchases of common stock

6,204

5,438

4,555

3,114

2,075

1,716

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by financing activities

23,377

9,694

39,818

80,887

79,262

82,952

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net change in cash and cash equivalents

14,977

1,134

3,310

2,113

-2,696

-1,704

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by financing activities

-

-

-

-

-

-

-

-

-

-

-

-

37,448

40,480

41,591

69,873

22,510

25,354

0

0

0

Net change in cash and cash equivalents

-

-

-

-

-

-

-

-

-

-

-

-64,011

3,101

10,203

23,583

68,248

-695

-557

0

0

0

Supplemental cash flow information:
Interest paid on deposits and borrowed funds

7,128

7,057

6,841

6,539

5,313

4,390

3,537

2,949

2,452

2,122

1,844

1,729

1,634

1,604

1,591

1,473

1,408

1,348

0

0

0

Income taxes paid

-56

-266

32

32

32

33

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Non-cash item:
Income taxes paid

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

Transfer of portfolio loan to foreclosed real estate

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-