SB ONE BANCORP SBBX Cash Flow

Sb one bancorp (SBBX)

CashFlow / TTM

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
21,848	22,543	19,565	17,690	14,438	9,923	8,083	6,776	4,988	5,691	6,701	6,055	5,960	5,523	4,913	4,547	4,322	3,700	3,510	3,151	2,874	2,600	2,498	2,481	2,008	1,428	710	681	1,028	735	1,347	1,335	1,581	2,470	0	0	0
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses
2,839	2,531	2,193	1,878	1,500	1,437	1,686	1,705	1,687	1,586	1,364	1,482	1,487	1,291	1,184	727	542	636	812	1,189	1,389	1,537	1,634	1,756	2,056	2,745	3,750	4,354	4,612	4,330	3,540	3,173	3,327	3,306	0	0	0
Depreciation and amortization
1,991	2,049	2,030	1,995	1,919	1,836	1,628	1,427	1,243	1,061	1,077	1,107	1,129	1,115	1,089	1,047	1,013	998	1,035	968	877	797	667	651	661	669	683	690	688	682	658	636	619	607	0	0	0
Net amortization of securities premiums and discounts
-1,490	-1,678	-1,818	-1,974	-2,062	-2,046	-1,968	-1,856	-1,731	-1,656	-1,652	-1,585	-1,544	-1,546	-1,603	-1,721	-1,771	-1,787	-1,741	-1,663	-1,650	-1,711	-1,874	-2,199	-2,625	-3,057	-3,405	-3,470	-3,247	-2,900	-2,354	-1,805	-1,361	-1,009	0	0	0
Amortization of subordinated debt issuance costs
9	10	10	11	11	11	10	10	10	8	6	3	1	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net realized (gain) loss on sale of securities
-	-	-	-	-	-	-	-	-	-9	134	249	384	444	365	287	270	271	0	0	0	-	-	-	-	393	1,435	2,004	2,110	1,799	0	0	0	-	-	-	-
Net realized loss (gain) on disposal of premises and equipment
-	-	-	-	-	-	-	-	-	-	-	-	-	-19	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net realized gain on sale of loans held for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	47	0	0	0	-	-	-	-
Proceeds from the sale of loans held for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	638	0	0	0	-	-	-	-
Net realized loss (gain) on sale of premises and equipment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-9	0	0	0	-	-	-	-
Net realized (gain) on sale of foreclosed real estate
178	115	25	7	9	18	51	37	44	46	-8	-6	-8	-7	15	14	14	38	39	41	24	10	-25	-13	1	17	84	71	66	39	-31	-31	-25	-38	0	0	0
Write-downs of and provisions for foreclosed real estate
201	156	198	84	119	218	176	327	305	236	288	177	287	251	199	340	217	314	0	0	0	-	-	-	-	1,177	1,909	1,843	1,366	1,785	871	684	615	145	0	0	0
Deferred income tax (benefit)
-715	562	2,969	4,345	2,468	446	-1,640	-1,438	-1,207	-637	469	9	-119	-9	377	45	-106	-187	-490	1,013	1,287	925	432	-188	-1,005	-1,135	0	0	0	-	-	-	-	-	-	-	-
Earnings on bank-owned life insurance
929	931	895	850	806	761	707	661	601	522	461	391	338	308	303	307	311	313	314	314	317	322	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Earnings on bank-owned life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	353	361	372	383	394	405	414	418	419	0	0	0
Compensation expense for stock options and restricted stock grants
1,248	1,061	1,019	952	842	816	748	704	709	709	637	547	475	411	397	401	384	374	353	333	315	304	292	278	262	236	215	194	171	153	133	121	109	94	0	0	0
Decrease (increase) in assets:
Accrued interest receivable
267	-371	50	1,566	624	2,370	1,937	812	2,255	414	765	-96	-251	294	-199	454	349	-32	247	214	136	154	54	-19	-9	-99	-166	29	-3	6	259	-93	-52	-181	0	0	0
Other assets
3,520	4,944	826	-4,679	-501	-3,138	2,483	8,542	169	1,145	-543	-581	-110	721	-187	775	-178	-341	-1,040	-875	-913	-1,531	1,200	-626	165	940	664	-1,028	552	-538	-1,825	-2,846	-301	-632	0	0	0
Increase in accrued interest payable and other liabilities
2,912	4,273	4,814	-1,118	1,078	418	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Increase in accrued interest payable and other liabilities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	390	140	-12	2,168	2,114	727	597	-1,396	-868	-263	3,872	-164	-847	-251	-4,325	49	-57	-284	0	0	0
Net Cash Provided by Operating Activities
26,638	26,399	25,650	20,234	18,518	16,203	11,814	10,633	7,664	9,870	11,134	11,093	11,039	9,140	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9,723	7,368	7,555	0	0	0
Net Cash Provided by Operating Activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6,606	6,769	7,734	6,191	9,727	9,941	9,105	0	0	0	-	-	-	-	-	-	-	-
Cash Flows from Investing Activities
Net cash acquired in acquisition
-	-	-	-	-	15,846	6,693	6,693	6,651	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Securities available for sale:
Purchases
154,922	141,584	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchases
-	-	-	-	-	-	-	-	115,685	61,190	65,673	54,417	66,267	42,943	28,699	30,501	27,116	46,704	68,713	62,819	46,065	24,437	4,803	3,649	4,863	32,388	52,897	84,615	108,649	96,002	107,073	86,488	68,533	53,654	0	0	0
Sales
-	-	-	-	-	-	-	-	106,200	42,594	44,588	38,447	40,698	36,483	23,698	23,001	16,039	20,718	0	0	0	-	-	-	-	15,125	26,386	43,448	43,461	37,544	0	0	0	-	-	-	-
Maturities, calls and principal repayments
12,793	11,220	9,748	9,701	9,881	9,659	9,168	8,805	8,230	8,532	8,994	9,458	9,519	9,156	8,435	8,425	8,187	8,559	9,092	9,212	10,236	11,721	14,725	21,606	31,549	38,672	43,191	44,733	39,746	34,235	33,283	26,749	28,801	32,535	0	0	0
Securities held to maturity:
Purchases
3,824	1,490	1,553	1,239	1,239	1,279	2,094	2,613	2,718	2,478	7,740	8,313	8,283	8,763	3,767	2,792	2,942	2,953	0	0	0	-	-	-	-	2,122	1,860	1,263	2,037	2,623	3,561	4,194	3,743	3,227	0	0	0
Maturities, calls and principal repayments
1,490	1,529	2,082	2,601	2,705	2,466	5,240	5,812	5,782	8,763	6,266	5,292	5,442	2,952	0	0	0	-	-	-	-	2,122	0	0	0	-	-	-	-	1,581	0	0	0	-	-	-	-
Net (increase) in loans
174,262	156,717	137,208	138,210	168,592	161,240	141,321	129,165	134,577	126,885	132,371	132,608	140,113	152,748	163,514	162,538	108,650	73,585	62,459	55,086	63,848	83,498	54,110	55,968	66,956	51,203	61,966	39,347	27,087	18,518	9,948	14,896	-110	8,260	0	0	0
Proceeds from the sale of foreclosed real estate
1,728	1,922	1,479	1,630	1,729	836	1,053	317	832	834	1,182	1,184	1,431	1,458	1,111	1,544	730	2,267	2,239	1,808	2,199	875	2,417	2,655	4,905	5,629	5,501	5,483	2,993	2,029	0	0	0	-	-	-	0
Purchases of bank premises and equipment
2,117	2,432	2,880	3,112	2,040	1,426	1,741	1,630	1,199	1,184	251	319	519	988	1,423	1,415	1,567	1,392	1,250	2,214	2,055	2,586	3,151	2,089	2,352	1,508	610	590	120	396	877	914	902	626	0	0	0
Proceeds from the sale of premises and equipment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	12	0	0	0	-	-	-	-
Payback of bank owned life insurance
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net (increase) in other bank stock
3,140	734	-1,802	-3,579	-1,641	3,304	2,568	3,525	3,184	-181	-552	-882	430	-59	1,618	2,644	300	1,257	1,268	664	114	1,203	267	75	1,310	725	0	0	0	-	-	-	-	-	-	-	0
Net Cash Used in Investing Activities
-218,378	-184,911	-157,373	-142,471	-176,217	-162,328	-136,384	-129,052	-134,636	-135,801	-153,153	-149,094	-161,209	-158,021	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-62,597	-23,593	-17,213	0	0	0
Net Cash Used in Investing Activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-70,329	-59,679	-71,174	-29,147	-31,241	-35,099	-27,284	0	0	0	-	-	-	-	-	-	-	-
Cash Flows from Financing Activities
Net increase in deposits
137,227	171,102	214,889	217,568	220,672	92,970	71,561	49,955	45,598	101,570	117,007	115,663	121,276	143,065	122,412	107,106	101,788	59,586	47,968	43,372	47,675	27,973	17,567	15,064	-8,006	-2,139	19,633	-800	1,769	7,060	2,291	37,168	41,843	39,409	0	0	0
Net increase (decrease) in short-term borrowed funds
81,345	17,705	-41,395	-60,085	-32,720	85,450	94,190	106,790	98,225	25,545	-2,790	-13,725	13,370	-4,845	21,200	45,675	-3,770	11,150	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from long-term borrowings
15,089	15,122	15,112	84	46	0	0	0	0	-	-	-	-	10,000	15,000	10,000	10,000	20,000	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repayment of long-term borrowings
17,671	19,620	16,874	22,374	17,949	15,000	35,000	25,000	36,000	31,000	0	0	0	-	-	-	-	5,000	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repayments of borrowings
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Purchase of treasury stock
3,520	5,446	3,952	3,176	1,926	0	0	0	0	-	-	-	-	-	-	-	-	533	0	0	0	-	-	-	-	-	-	-	-	55	0	0	0	-	-	-	-
Dividends paid
3,114	3,029	2,826	2,619	2,501	2,263	2,029	1,794	1,486	1,203	1,030	858	758	752	748	744	744	746	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Cash Provided by Financing Activities
209,356	175,834	164,954	129,398	165,622	161,157	128,511	129,665	134,364	122,939	140,378	133,346	148,819	157,399	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	37,113	41,788	29,409	0	0	0
Net increase in Cash and Cash Equivalents
17,616	17,322	33,231	7,161	7,923	15,032	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Increase in borrowed funds
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-
Net Cash Provided by Financing Activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	59,385	52,064	56,053	27,287	24,320	25,890	19,757	0	0	0	-	-	-	-	-	-	-	-
Net Increase in Cash and Cash Equivalents
-	-	-	-	-	-	-	-	-	-2,992	-1,641	-4,655	-1,351	8,518	4,239	5,532	2,073	261	-7,200	-4,338	-846	-7,387	4,331	2,806	732	1,578	610	-4,226	-37,004	-25,832	-37,967	-15,761	25,563	19,751	0	0	0
Supplementary Cash Flows Information
Interest paid
23,605	23,263	20,618	17,658	14,656	11,619	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest paid
-	-	-	-	-	-	-	-	-	-	6,049	5,680	5,235	4,679	4,378	3,998	3,678	3,530	3,448	3,383	3,341	3,286	3,201	3,148	3,139	3,239	3,344	3,482	3,635	3,828	4,061	4,241	4,353	4,395	0	0	0
Income taxes paid
8,008	2,606	3,116	3,865	3,152	3,111	3,941	4,059	4,070	4,035	2,890	2,523	1,980	2,755	2,680	2,422	1,619	1,074	0	0	0	-	-	-	-	46	0	0	0	-	-	-	-	1,103	0	0	0
Supplementary Schedule of Noncash Investing and Financing Activities
Foreclosed real estate acquired in settlement of loans
-	-	-	-	-	-	-	-	-	495	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other real estate owned transferred from fixed assets
-	-	-	-	-	-	-	-	-	-	-	-	-	0	236	929	1,409	1,448	3,107	3,065	2,206	2,610	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Acquisitions of Community and Enterprise:
Non-cash assets acquired:
Other bank stock
-	-	-	-	-	3,535	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Securities available for sale
-	-	-	-	-	78,102	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loans
-	-	-	-	-	493,180	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Foreclosed real estate
-	-	-	-	-	2,562	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Premises and equipment
-	-	-	-	-	11,034	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest receivable
-	-	-	-	-	1,704	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Bank owned life insurance
-	-	-	-	-	7,963	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Goodwill and intangibles assets
-	-	-	-	-	26,872	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other assets
-	-	-	-	-	4,841	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total non-cash assets acquired
-	-	-	-	-	629,793	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Liabilities assumed:
Deposits
-	-	-	-	-	498,478	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Borrowings
-	-	-	-	-	59,106	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other liabilities
-	-	-	-	-	3,726	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Total liabilities assumed
-	-	-	-	-	561,310	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Common stock issued for acquisitions
-	-	-	-	-	84,329	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Foreclosed real estate acquired in settlement of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4,237	5,245	5,081	5,914	3,332	0	0	0	-	-	-	-
Loans transferred to held for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	591	0	0	0	-	-	-	-