SB ONE BANCORP SBBX Cash Flow

Sb one bancorp (SBBX)

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 income
5,128	5,331	5,145	6,244	5,823	2,353	3,270	2,992	1,308	513	1,963	1,204	2,011	1,523	1,317	1,109	1,574	913	951	884	952	723	592	607	678	621	575	134	98	-97	546	481	-195	515	534	727	694
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses
879	548	636	776	571	210	321	398	508	459	340	380	407	237	458	385	211	130	1	200	305	306	378	400	453	403	500	700	1,142	1,408	1,104	958	860	618	737	1,112	839
Depreciation and amortization
479	489	497	526	537	470	462	450	454	262	261	266	272	278	291	288	258	252	249	254	243	289	182	163	163	159	166	173	171	173	173	171	165	149	151	154	153
Net amortization of securities premiums and discounts
-313	-329	-372	-476	-501	-469	-528	-564	-485	-391	-416	-439	-410	-387	-349	-398	-412	-444	-467	-448	-428	-398	-389	-435	-489	-561	-714	-861	-921	-909	-779	-638	-574	-363	-230	-194	-222
Amortization of subordinated debt issuance costs
2	3	2	2	3	3	3	2	3	2	3	2	1	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net realized (gain) loss on sale of securities
-	-	-	-	-	-	-	-	-	-60	-26	-30	107	83	89	105	167	4	11	88	168	-	-	-	-	-6	0	29	370	1,036	569	135	59	-	-	-	-
Net realized loss (gain) on disposal of premises and equipment
-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-6	-13	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net realized gain on sale of loans held for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	47	-	-	-	-
Proceeds from the sale of loans held for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	638	-	-	-	-
Net realized loss (gain) on sale of premises and equipment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-3	0	-7	1	-	-	-	-
Net realized (gain) on sale of foreclosed real estate
54	90	32	2	-9	0	14	4	0	33	0	11	2	-21	2	9	3	1	1	9	27	2	3	-8	13	-33	15	6	29	34	2	1	2	-36	2	7	-11
Write-downs of and provisions for foreclosed real estate
51	0	150	0	6	42	36	35	105	0	187	13	36	52	76	123	0	0	217	0	97	-	-	-	-	182	253	546	196	914	187	69	615	0	0	0	145
Deferred income tax (benefit)
257	-1,504	-1,374	1,906	1,534	903	2	29	-488	-1,183	204	260	82	-77	-256	132	192	309	-588	-19	111	6	915	255	-251	-487	295	-562	-381	-	-	-	-	-	-	-	-
Earnings on bank-owned life insurance
228	234	235	232	230	198	190	188	185	144	144	128	106	83	74	75	76	78	78	79	78	79	78	82	83	-	-	-	-	-	-	-	-	-	-	-	-
Earnings on bank-owned life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	86	85	90	92	94	96	101	103	105	105	105	104
Compensation expense for stock options and restricted stock grants
378	291	291	288	191	249	224	178	165	181	180	183	165	109	90	111	101	95	94	94	91	74	74	76	80	62	60	60	54	41	39	37	36	21	27	25	21
Decrease (increase) in assets:
Accrued interest receivable
681	-78	-99	-237	43	343	1,417	-1,179	1,789	-90	292	264	-52	261	-569	109	493	-232	84	4	112	47	51	-74	130	-53	-22	-64	40	-120	173	-96	49	133	-179	-55	-80
Other assets
132	-141	-636	4,165	1,556	-4,259	-6,141	8,343	-1,081	1,362	-82	-30	-105	-326	-120	441	726	-1,234	842	-512	563	-1,933	1,007	-550	-55	798	-819	241	720	522	-2,511	1,821	-370	-765	-3,532	4,366	-701
Increase in accrued interest payable and other liabilities
-1,815	-1,041	863	4,905	-454	-500	-5,069	7,101	-1,114	-	294	-563	553	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Increase in accrued interest payable and other liabilities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	904	-8	-336	-170	654	-160	1,844	-224	-733	-290	-149	304	-128	3,845	-4,185	-379	468	-229	189	-485	241
Net Cash Provided by Operating Activities
4,063	6,860	9,709	6,006	3,824	6,111	4,293	4,290	1,509	1,722	3,112	1,321	3,715	2,986	3,071	1,267	1,816	-	-	-	-	-	-	-	-	-	-	-	-	-	-	360	2,334	1,934	5,095	-1,995	2,521
Net Cash Provided by Operating Activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2,053	1,711	3,515	-673	2,216	2,676	1,972	2,863	2,430	1,840	-	-	-	-	-	-	-	-
Cash Flows from Investing Activities
Net cash acquired in acquisition
-	-	-	-	-	9,153	0	42	6,651	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Securities available for sale:
Purchases
22,903	56,175	14,595	61,249	9,565	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases
-	-	-	-	-	-	-	-	79,863	11,029	16,503	8,290	25,368	15,512	5,247	20,140	2,044	1,268	7,049	16,755	21,632	23,277	1,155	1	4	3,643	1	1,215	27,529	24,152	31,719	25,249	14,882	35,223	11,134	7,294	3
Sales
-	-	-	-	-	-	-	-	75,909	10,804	11,081	8,406	12,303	12,798	4,940	10,657	8,088	13	4,243	3,695	12,767	-	-	-	-	2,096	0	2,193	10,836	13,357	17,062	2,206	4,919	-	-	-	-
Maturities, calls and principal repayments
3,645	3,926	2,502	2,720	2,072	2,454	2,455	2,900	1,850	1,963	2,092	2,325	2,152	2,425	2,556	2,386	1,789	1,704	2,546	2,148	2,161	2,237	2,666	3,172	3,646	5,241	9,547	13,115	10,769	9,760	11,089	8,128	5,258	8,808	4,555	10,180	8,992
Securities held to maturity:
Purchases
2,534	600	690	0	200	663	376	0	240	1,478	895	105	0	6,740	1,468	75	480	1,744	493	225	491	-	-	-	-	262	1,287	310	263	0	690	1,084	849	938	1,323	633	333
Maturities, calls and principal repayments
200	913	376	1	239	1,466	895	105	0	4,240	1,467	75	2,981	1,743	493	225	491	-	-	-	-	-261	1,811	310	262	-	-	-	-	361	254	633	333	-	-	-	-
Net (increase) in loans
56,571	65,813	34,181	17,697	39,026	46,304	35,183	48,079	31,674	26,385	23,027	53,491	23,982	31,871	23,264	60,996	36,617	42,637	22,288	7,108	1,552	31,511	14,915	15,870	21,202	2,123	16,773	26,858	5,449	12,886	-5,846	14,598	-3,120	4,316	-898	-408	5,250
Proceeds from the sale of foreclosed real estate
699	443	584	2	893	0	735	101	0	217	-1	616	2	565	1	863	29	218	434	49	1,566	190	3	440	242	1,732	241	2,690	966	1,604	223	200	2	-	-	-	161
Purchases of bank premises and equipment
363	231	-45	1,568	678	679	187	496	64	994	76	65	49	61	144	265	518	496	136	417	343	354	1,100	258	874	919	38	521	30	21	18	51	306	502	55	39	30
Proceeds from the sale of premises and equipment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	12	-	-	-	-
Payback of bank owned life insurance
-501	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net (increase) in other bank stock
-11	3,116	515	-480	-2,417	580	-1,262	1,458	2,528	-156	-305	1,117	-837	-527	-635	2,429	-1,326	1,150	391	85	-369	1,161	-213	-465	720	225	-405	770	135	-	-	-	-	-	-	-	-450
Net Cash Used in Investing Activities
-77,315	-75,956	-47,791	-17,316	-43,848	-48,418	-32,889	-51,062	-29,959	-22,474	-25,557	-56,646	-31,124	-39,826	-21,498	-68,761	-27,936	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-29,921	-2,393	-23,157	-7,126	9,083	3,987
Net Cash Used in Investing Activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-17,936	-7,155	-40,116	-5,122	-7,286	-18,650	1,911	-7,216	-11,144	-10,835	-	-	-	-	-	-	-	-
Cash Flows from Financing Activities
Net increase in deposits
73,510	-1,815	50,368	15,164	107,385	41,972	53,047	18,268	-20,317	20,563	31,441	13,911	35,655	36,000	30,097	19,524	57,444	15,347	14,791	14,206	15,242	3,729	10,195	18,509	-4,460	-6,677	7,692	-4,561	1,407	15,095	-12,741	-1,992	6,698	10,326	22,136	2,683	4,264
Net increase (decrease) in short-term borrowed funds
3,145	72,000	650	5,550	-60,495	12,900	-18,040	32,915	57,675	21,640	-5,440	24,350	-15,005	-6,695	-16,375	51,445	-33,220	19,350	8,100	2,000	-18,300	-	0	-10,000	15,000	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from long-term borrowings
13	10	15,028	38	46	0	0	0	0	-	-	-	-	0	5,000	0	5,000	5,000	0	0	15,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repayment of long-term borrowings
6,000	2,746	4,500	4,425	7,949	0	10,000	0	5,000	20,000	0	11,000	0	-	-	-	-	0	0	0	5,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repayments of borrowings
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10,000
Purchase of treasury stock
0	1,494	776	1,250	1,926	0	0	0	0	-	-	-	-	-	-	-	-	0	0	329	204	-	-	-	-	-	-	-	-	0	0	0	55	-	-	-	-
Dividends paid
797	800	804	713	712	597	597	595	474	363	362	287	191	190	190	187	185	186	186	187	187	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Cash Provided by Financing Activities
69,871	65,155	59,966	14,364	36,349	54,275	24,410	50,588	31,884	21,629	25,564	55,287	20,459	39,068	18,532	70,760	29,039	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-1,992	6,643	10,326	22,136	2,683	-5,736
Net increase in Cash and Cash Equivalents
-3,381	-3,941	21,884	3,054	-3,675	11,968	-4,186	3,816	3,434	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Increase in borrowed funds
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-7,500	14,500	3,000	-	-	-	-	-	-	-	-
Net Cash Provided by Financing Activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	15,690	6,551	27,089	10,055	8,369	10,540	-1,677	7,088	9,939	4,407	-	-	-	-	-	-	-	-
Net Increase in Cash and Cash Equivalents
-	-	-	-	-	-	-	-	-	877	3,119	-38	-6,950	2,228	105	3,266	2,919	-2,051	1,398	-193	1,107	-9,512	4,260	3,299	-5,434	2,206	2,735	1,225	-4,588	1,238	-2,101	-31,553	6,584	-10,897	20,105	9,771	772
Supplementary Cash Flows Information
Interest paid
5,594	6,123	6,101	5,787	5,252	3,478	3,141	2,785	2,215	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest paid
-	-	-	-	-	-	-	-	-	-	1,641	1,638	1,531	1,239	1,272	1,193	975	938	892	873	827	856	827	831	772	771	774	822	872	876	912	975	1,065	1,109	1,092	1,087	1,107
Income taxes paid
5,498	0	0	2,510	96	510	749	1,797	55	1,340	867	1,808	20	195	500	1,265	795	120	242	462	250	-	-	-	-	13	2	12	19	-	-	-	-	34	235	827	7
Supplementary Schedule of Noncash Investing and Financing Activities
Foreclosed real estate acquired in settlement of loans
-	-	-	-	-	-	-	-	-	183	179	0	133	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other real estate owned transferred from fixed assets
-	-	-	-	-	-	-	-	-	-	-	-	-	0	-651	651	0	236	42	1,131	39	1,895	0	272	443	-	-	-	-	-	-	-	-	-	-	-	-
Acquisitions of Community and Enterprise:
Non-cash assets acquired:
Other bank stock
-	-	-	-	-	2,380	0	0	1,155	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Securities available for sale
-	-	-	-	-	2,193	0	0	75,909	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loans
-	-	-	-	-	257,170	0	0	236,010	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Foreclosed real estate
-	-	-	-	-	1,250	0	0	1,312	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Premises and equipment
-	-	-	-	-	422	0	0	10,612	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest receivable
-	-	-	-	-	880	0	0	824	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Bank owned life insurance
-	-	-	-	-	0	0	0	7,963	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Goodwill and intangibles assets
-	-	-	-	-	3,243	0	0	23,629	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other assets
-	-	-	-	-	3,064	0	0	1,777	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total non-cash assets acquired
-	-	-	-	-	270,602	0	0	359,191	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Liabilities assumed:
Deposits
-	-	-	-	-	197,321	0	0	301,157	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Borrowings
-	-	-	-	-	47,106	0	0	12,000	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other liabilities
-	-	-	-	-	2,882	0	0	844	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total liabilities assumed
-	-	-	-	-	247,309	0	0	314,001	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Common stock issued for acquisitions
-	-	-	-	-	32,446	0	0	51,883	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Foreclosed real estate acquired in settlement of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,384	164	0	2,689	2,392	0	833	107	-	-	-	-
Loans transferred to held for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	591	-	-	-	-