Sb financial group, inc. (SBFG)
CashFlow / Quarterly
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
Operating Activities
Operating Activities
Net Income

681

-

-

2,627

2,226

-

-

3,107

2,453

4,032

2,723

2,317

1,993

2,317

2,547

2,265

1,655

1,868

2,264

1,991

1,496

1,525

1,513

1,245

980

1,224

1,344

1,319

1,318

1,524

1,304

1,014

972

274

602

777

11

Items not requiring (providing) cash
Items not requiring (providing) cash
Depreciation and amortization

477

493

519

448

419

432

420

432

409

414

399

386

367

617

196

356

340

302

248

305

242

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Depreciation and amortization

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

305

276

312

214

287

291

299

308

334

439

445

445

454

Provision for loan losses

600

-

-

-

-

0

0

300

300

200

0

200

0

500

0

0

250

150

100

500

350

150

150

150

0

0

401

200

299

400

300

200

450

299

298

898

499

Expense of share-based compensation plan

110

71

93

140

113

66

65

65

82

90

86

36

91

28

6

56

24

20

20

20

21

43

15

16

16

12

0

40

12

12

12

12

15

21

21

23

23

Amortization of premiums and discounts on securities

70

101

76

63

74

80

105

84

86

110

122

146

169

229

227

227

234

233

245

237

262

208

240

258

223

200

212

270

273

296

277

325

368

379

384

409

432

Amortization of intangible assets

2

2

2

2

2

3

2

3

2

3

3

2

3

4

3

3

3

38

54

55

54

55

55

131

131

129

129

153

153

158

157

158

157

-

-

-

-

Amortization of intangible assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

197

Amortization of originated mortgage servicing rights

597

711

701

459

255

299

318

367

246

269

342

303

218

461

397

310

172

155

224

219

282

174

322

0

117

128

164

205

330

362

370

254

349

328

251

94

71

Net gains on sales of securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

28

0

20

-

0

0

0

-

-

-

-

OREO impairment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

33

0

0

58

0

-

-

-

-

Impairment of mortgage servicing rights

2,212

-304

0

690

708

69

62

22

-92

-117

36

39

-35

-

-

-

-

-

-

-

-

-

-

-

-

20

-205

-273

-171

110

0

0

-419

222

770

127

0

Deferred income taxes

-279

-

-

-

324

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Impairment of mortgage servicing rights

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

469

767

-

138

0

80

-

0

83

18

-

0

0

0

-

-

-

-

-

-

-

-

Deferred income taxes

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

874

-472

542

-107

Proceeds from sale of loans held for sale

84,476

123,438

127,668

72,546

44,502

75,298

80,555

76,339

43,412

55,120

80,291

77,356

46,352

103,909

100,164

93,478

55,517

54,580

73,113

86,099

64,878

16,502

71,717

75,764

24,512

17,764

71,149

76,427

73,868

86,592

94,352

81,645

62,897

63,898

66,712

37,153

31,865

Originations of loans held for sale

87,259

115,411

129,462

76,226

43,373

70,703

87,571

71,073

41,720

51,188

73,125

83,163

46,364

101,645

99,120

90,249

52,363

59,289

70,057

80,424

66,482

14,558

67,502

73,221

26,944

23,275

55,192

81,945

71,967

79,522

94,075

79,900

68,331

58,383

68,989

38,099

28,005

Gain from sale of loans

2,053

3,298

2,957

1,894

1,519

1,941

2,191

2,208

1,760

1,787

2,505

2,432

1,680

2,053

2,831

2,435

1,832

1,431

1,984

2,126

1,654

1,146

1,513

1,295

595

1,079

1,400

1,532

1,640

2,230

1,742

1,395

1,181

-

-

-

425

Loss (gain) on sales of assets

46

10

2

-9

2

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Changes in
(Gain)/loss on sale of assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-31

159

22

-

0

-1

-19

-

-12

-19

-33

-

56

-112

-65

-

-

-

-

-

-

-

-

Changes in
Interest receivable

-166

-70

-33

86

301

389

433

75

100

681

-267

-51

-50

-129

244

-92

229

-557

311

-48

208

-507

397

33

142

-413

119

-43

383

-596

234

-205

167

-426

102

-405

295

Other assets

7,089

-1,918

1,925

2,096

1,577

-735

-377

236

1,438

-966

5,694

-2,787

-181

-1,976

-3,022

4,198

1,672

-6,660

472

4,877

2,927

-1,081

1,504

2,533

1,601

-4,930

5,398

-4,687

2,983

1,845

-527

-646

-610

847

-954

-498

-400

Loss on sale of foreclosed assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-233

-6

-15

-36

-32

-165

-100

Income from bank owned life insurance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

84

83

82

-

90

89

88

-

92

90

94

Interest payable & other liabilities

-2,596

-4,012

-4,058

-379

-2,199

273

-495

-1,194

-1,472

2,518

-1,396

-898

743

2,011

86

-899

-246

5,117

-1,469

560

-2,626

-2,479

468

82

74

305

-128

29

197

-1,520

-791

-467

68

315

743

223

-359

Net cash provided (used) by operating activities

-4,647

15,176

2,872

-3,273

4,054

6,945

-4,747

8,300

3,352

5,887

4,341

-1,027

602

5,581

4,241

1,114

3,090

3,306

5,051

1,219

-961

4,394

2,866

768

-3,021

3,586

11,357

-192

-805

4,804

2,844

3,856

-4,087

8,264

636

1,244

4,768

Investing Activities
Investing Activities
Purchases of available-for-sale securities

45,065

29,615

0

239

8,601

13,033

1,080

2,019

13,149

4,064

0

2,478

23,307

5,031

6,250

0

11,322

805

0

12,716

12,740

16,412

0

0

9,685

10,596

4,659

5,602

11,233

4,617

6,097

6,564

11,295

15,522

9,047

23,619

4,039

Proceeds from maturities of available-for-sale securities

39,975

5,290

8,280

4,407

4,550

7,423

4,133

3,633

2,853

5,782

3,542

7,233

5,459

5,611

4,778

3,279

3,866

5,498

3,675

6,969

4,186

3,244

4,080

3,922

6,455

6,715

6,918

6,637

9,723

6,591

7,625

14,642

12,463

7,909

10,204

5,439

5,631

Proceeds from sales of available-for-sale securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-1

6,155

0

1,235

0

0

0

0

-

-

-

-

Net change in loans

5,656

14,333

8,550

32,063

10,558

1,469

9,437

48,723

16,874

20,301

23,551

25,014

-17,664

26,095

14,782

27,434

19,716

17,105

18,524

10,943

-4,234

10,528

-65

24,592

4,930

2,292

13,073

7,727

-7,450

8,742

4,001

12,686

-2,432

4,026

2,012

18,052

-4,357

Purchase of premises, equipment

691

-4

1,268

328

451

616

638

339

406

420

930

1,217

1,147

1,119

20

388

109

2,353

1,435

1,300

2,111

390

250

143

1,112

234

419

499

0

-109

-13

184

771

54

136

371

119

Proceeds from sales of premises, equipment

-

16

1

0

7

0

1

0

133

-

0

0

0

-

-

-

-

631

0

0

36

0

-13

0

0

-

-

-

-

-

-

-

-

0

4

5

0

Proceeds from sales or disposal of premises and equipment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

701

-

-

-

-

Purchase of bank owned life insurance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

1,354

Purchase of bank owned life insurance

-

0

0

0

50

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of Federal Reserve and Federal Home Loan Bank Stock

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

63

0

-

-

-

-

Proceeds from sale of foreclosed assets

175

226

77

54

15

58

0

130

22

122

0

905

40

-97

220

575

86

1

0

25

85

106

-2

164

74

620

829

451

377

837

42

192

27

272

179

295

923

Acquisition, net of cash acquired

-

0

0

0

2,600

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash used in investing activities

-11,262

-27,147

-1,460

-21,319

-17,688

-7,567

-5,281

-47,318

-27,421

-21,483

-6,184

-20,571

-1,291

-26,460

-15,504

-21,568

-27,195

-14,133

-16,284

-17,965

-6,310

-14,979

3,880

-16,351

-9,198

-5,787

-4,173

-6,501

7,552

-6,524

-2,418

-4,663

3,557

-11,358

-808

8,029

8,107

Financing Activities
Financing Activities
Net increase in demand deposits, money market, interest checking & savings accounts

30,248

2,651

14,503

-3,722

7,944

11,043

20,100

-1,365

19,530

16,864

7,589

-13,539

25,511

6,886

8,574

2,743

29,739

12,792

11,895

-8,825

23,948

19,263

20,384

-12,864

18,147

-707

8,070

-11,549

13,931

19,939

-86

-12,296

28,055

4,699

9,401

-15,216

-2,319

Net increase in certificates of deposit

-6,576

-10,386

-5,923

15,438

17,162

2,083

16,447

5,449

-335

-4,071

1,885

7,957

14,331

4,043

5,270

7,529

21,836

93

-1,253

-6,532

3,429

-3,618

-9,190

4,212

-3,662

-2,602

2,095

-9,332

-8,673

-8,189

-3,324

-4,535

-11,328

-284

9,078

-1,876

-397

Net increase (decrease) in short term borrowings

23,936

-

-

-

-2,929

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net increase (decrease) in securities sold under agreements to repurchase

-

-

-

-

-

-355

-2,652

3,686

-577

3,739

168

-621

1,264

-831

-6,434

3,273

2,118

-4,505

1,742

521

1,908

-5,162

656

341

2,209

-140

5,522

-1,669

650

-3,402

-2,089

-1,947

-1,008

1

-1,089

-29,633

3,714

Proceeds from Federal Home Loan Bank advances

-

-

0

0

8,000

-

-

-

-

-

-

-

-

-

-

-

-

5,000

0

4,000

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repayment of Federal Home Loan Bank advances

-

-

-

-

-

-

-

-

-

2,000

0

0

11,000

-

-

-

-

-

-

-

-

0

0

0

2,000

0

14,000

-3,500

3,500

9,000

20,000

15,611

165

163

19,163

7,578

6,127

Net proceeds from share-based compensation plans

-

-

-

-

-

-

3

149

40

-

10

0

329

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net proceeds from share-based compensation plans

188

-

-

-

11

-

-

-

-

-

-

-

-

-

-

-

-

49

0

18

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repayments of FHLB Advances

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,000

-2,000

14,000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from stock options exercised

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

8

8

-

9

7

10

0

0

0

0

-

-

-

-

Stock repurchase plan

1,814

706

2,847

203

1,294

0

0

51

58

7

353

970

455

544

461

153

10

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Issuance of common shares

-

0

0

0

139

0

0

0

27,912

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Exercise of Stock Options

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-7

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Dividends on Common Stock

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-295

-271

-

-246

-246

-221

-221

-195

-196

-171

-171

-146

-269

0

-

-

-

-

-

-

-

-

Dividends on Preferred Stock

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-244

-244

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Dividends on preferred stock

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

243

244

225

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Repayment of notes payable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

589

91

468

276

278

273

274

270

269

77

277

76

72

Dividends on common shares

744

608

581

586

556

558

524

522

486

364

339

340

319

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Dividends on preferred shares

-

230

233

243

244

243

244

244

244

243

244

244

244

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by financing activities

45,238

-10,789

5,626

4,416

28,233

3,470

31,130

15,102

45,782

13,954

8,716

-2,757

29,417

12,724

6,485

14,870

39,175

12,914

7,896

-11,310

28,839

16,912

1,346

14,501

13,942

-3,679

1,082

-10,588

2,140

10,575

-4,773

-14,159

15,285

4,176

3,450

-36,878

-5,202

Increase in cash and cash equivalents

29,329

-22,760

7,038

-20,176

14,599

2,848

21,102

-23,916

21,713

-1,642

6,873

-24,355

28,728

-8,155

-4,778

-5,584

15,070

2,087

-3,337

-28,056

21,568

6,327

8,092

-1,082

1,723

-5,879

8,266

-17,281

8,887

8,856

-4,347

-14,967

14,756

1,082

3,278

-27,605

7,673

Supplemental cash flow information
Interest paid

-

-

-

-

-

-

1,522

1,256

1,110

-

1,027

890

866

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest paid

2,156

-

-

-

1,944

-

-

-

-

-

-

-

-

884

785

749

636

722

592

696

573

776

1,271

1,106

702

748

1,238

810

738

5,279

845

1,062

1,020

1,224

1,195

1,644

1,753

Income taxes paid

-

-1,146

950

2,660

620

-420

560

1,510

220

242

814

1,846

203

490

1,170

2,309

0

410

590

650

410

675

260

495

285

0

0

500

50

50

70

0

0

-

-

-

-

Fair value of assets acquired - premises and equipment

-

0

0

0

1,161

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Supplemental non-cash disclosure
Supplemental non-cash disclosure
Initial recognition of right-of-use lease assets

-

0

0

0

293

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Transfer of loans to foreclosed assets

5

34

40

278

199

26

89

16

70

1

0

94

0

919

76

37

206

99

8

0

27

23

132

153

0

66

289

248

378

198

865

104

14

348

131

1,620

400

Dividends Payable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

122

-

-

-

-

-

-

-

-

Dividends payable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-