SB FINANCIAL GROUP, INC. SBFG Cash Flow

Sb financial group, inc. (SBFG)

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
Operating Activities
Operating Activities
Net Income
0	-	-	0	0	-	-	12,315	11,525	11,065	9,350	9,174	9,122	8,784	8,335	8,052	7,778	7,619	7,276	6,525	5,779	5,263	4,962	4,793	4,867	5,205	5,505	5,465	5,160	4,814	3,564	2,862	2,625	1,664	0	0	0
Items not requiring (providing) cash
Items not requiring (providing) cash
Depreciation and amortization
1,937	1,879	1,818	1,719	1,703	1,693	1,675	1,654	1,608	1,566	1,769	1,566	1,536	1,509	1,194	1,246	1,195	1,097	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Depreciation and amortization
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,107	1,089	1,104	1,091	1,185	1,232	1,380	1,526	1,663	1,783	0	0	0
Provision for loan losses
0	-	-	-	-	600	800	800	700	400	700	700	500	750	400	500	1,000	1,100	1,100	1,150	800	450	300	551	601	900	1,300	1,199	1,199	1,350	1,249	1,247	1,945	1,994	0	0	0
Expense of share-based compensation plan
414	417	412	384	309	278	302	323	294	303	241	161	181	114	106	120	84	81	104	99	95	90	59	44	68	64	64	76	48	51	60	69	80	88	0	0	0
Amortization of premiums and discounts on securities
310	314	293	322	343	355	385	402	464	547	666	771	852	917	921	939	949	977	952	947	968	929	921	893	905	955	1,051	1,116	1,171	1,266	1,349	1,456	1,540	1,604	0	0	0
Amortization of intangible assets
8	8	9	9	10	10	10	11	10	11	12	12	13	13	47	98	150	201	218	219	295	372	446	520	542	564	593	621	626	630	0	0	0	-	-	-	-
Amortization of intangible assets
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0
Amortization of originated mortgage servicing rights
2,468	2,126	1,714	1,331	1,239	1,230	1,200	1,224	1,160	1,132	1,324	1,379	1,386	1,340	1,034	861	770	880	899	997	778	613	567	409	614	827	1,061	1,267	1,316	1,335	1,301	1,182	1,022	744	0	0	0
Net gains on sales of securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	48	0	0	0	-	0	0	0	-	-	-	-
OREO impairment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	33	33	33	91	58	0	0	0	-	-	-	-
Impairment of mortgage servicing rights
2,598	1,094	1,467	1,529	861	61	-125	-151	-134	-77	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-629	-539	-334	-61	-309	-197	573	700	1,119	0	0	0
Deferred income taxes
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Impairment of mortgage servicing rights
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-
Deferred income taxes
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	837	0	0	0
Proceeds from sale of loans held for sale
408,128	368,154	320,014	272,901	276,694	275,604	255,426	255,162	256,179	259,119	307,908	327,781	343,903	353,068	303,739	276,688	269,309	278,670	240,592	239,196	228,861	188,495	189,757	189,189	189,852	239,208	308,036	331,239	336,457	325,486	302,792	275,152	230,660	199,628	0	0	0
Originations of loans held for sale
408,358	364,472	319,764	277,873	272,720	271,067	251,552	237,106	249,196	253,840	304,297	330,292	337,378	343,377	301,021	271,958	262,133	276,252	231,521	228,966	221,763	182,225	190,942	178,632	187,356	232,379	288,626	327,509	325,464	321,828	300,689	275,603	233,802	193,476	0	0	0
Gain from sale of loans
10,202	9,668	8,311	7,545	7,859	8,100	7,946	8,260	8,484	8,404	8,670	8,996	8,999	9,151	8,529	7,682	7,373	7,195	6,910	6,439	5,608	4,549	4,482	4,369	4,606	5,651	6,802	7,144	7,007	6,548	0	0	0	-	-	-	0
Loss (gain) on sales of assets
49	5	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Changes in
(Gain)/loss on sale of assets
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-
Changes in
Interest receivable
-183	284	743	1,209	1,198	997	1,289	589	463	313	-497	14	-27	252	-176	-109	-65	-86	-36	50	131	65	159	-119	-195	46	-137	-22	-184	-400	-230	-362	-562	-434	0	0	0
Other assets
9,192	3,680	4,863	2,561	701	562	331	6,402	3,379	1,760	750	-7,966	-981	872	-3,812	-318	361	1,616	7,195	8,227	5,883	4,557	708	4,602	-2,618	-1,236	5,539	-386	3,655	62	-936	-1,363	-1,215	-1,005	0	0	0
Loss on sale of foreclosed assets
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-290	-89	-248	-333	0	0	0
Income from bank owned life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0	-	0	0	0
Interest payable & other liabilities
-11,045	-10,648	-6,363	-2,800	-3,615	-2,888	-643	-1,544	-1,248	967	460	1,942	1,941	952	4,058	2,503	3,962	1,582	-6,014	-4,077	-4,555	-1,855	929	333	280	403	-1,422	-2,085	-2,581	-2,710	-875	659	1,349	922	0	0	0
Net cash provided (used) by operating activities
10,128	18,829	10,598	2,979	14,552	13,850	12,792	21,880	12,553	9,803	9,497	9,397	11,538	14,026	11,751	12,561	12,666	8,615	9,703	7,518	7,067	5,007	4,199	12,690	11,730	13,946	15,164	6,651	10,699	7,417	10,877	8,669	6,057	14,912	0	0	0
Investing Activities
Investing Activities
Purchases of available-for-sale securities
74,919	38,455	21,873	22,953	24,733	29,281	20,312	19,232	19,691	29,849	30,816	37,066	34,588	22,603	18,377	12,127	24,843	26,261	41,868	41,868	29,152	26,097	20,281	24,940	30,542	32,090	26,111	27,549	28,511	28,573	39,478	42,428	59,483	52,227	0	0	0
Proceeds from maturities of available-for-sale securities
57,952	22,527	24,660	20,513	19,739	18,042	16,401	15,810	19,410	22,016	21,845	23,081	19,127	17,534	17,421	16,318	20,008	20,328	18,074	18,479	15,432	17,701	21,172	24,010	26,725	29,993	29,869	30,576	38,581	41,321	42,639	45,218	36,015	29,183	0	0	0
Proceeds from sales of available-for-sale securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7,389	7,390	1,235	1,235	0	0	0	0	-	-	-	-
Net change in loans
60,602	65,504	52,640	53,527	70,187	76,503	95,335	109,449	85,740	51,202	56,996	48,227	50,647	88,027	79,037	82,779	66,288	42,338	35,761	17,172	30,821	39,985	31,749	44,887	28,022	15,642	22,092	13,020	17,979	22,997	18,281	16,292	21,658	19,733	0	0	0
Purchase of premises, equipment
2,283	2,043	2,663	2,033	2,044	1,999	1,803	2,095	2,973	3,714	4,413	3,503	2,674	1,636	2,870	4,285	5,197	7,199	5,236	4,051	2,894	1,895	1,739	1,908	2,264	1,152	809	377	62	833	996	1,145	1,332	680	0	0	0
Proceeds from sales of premises, equipment
-	24	8	8	8	134	0	0	0	-	0	0	0	-	-	-	-	667	36	23	23	-13	0	0	0	-	-	-	-	-	-	-	-	9	0	0	0
Proceeds from sales or disposal of premises and equipment
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-
Purchase of bank owned life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,354	0	0	0
Purchase of bank owned life insurance
-	50	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of Federal Reserve and Federal Home Loan Bank Stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	63	0	0	0	-	-	-	-
Proceeds from sale of foreclosed assets
532	372	204	127	203	210	274	274	1,049	1,067	848	1,068	738	784	882	662	112	111	216	214	353	342	856	1,687	1,974	2,277	2,494	1,707	1,448	1,098	533	670	773	1,669	0	0	0
Acquisition, net of cash acquired
-	2,600	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash used in investing activities
-61,188	-67,614	-48,034	-51,855	-77,854	-87,587	-101,503	-102,406	-75,659	-49,529	-54,506	-63,826	-64,823	-90,727	-78,400	-79,180	-75,577	-54,692	-55,538	-35,374	-33,760	-36,648	-27,456	-35,509	-25,659	-8,909	-9,646	-7,891	-6,053	-10,048	-14,882	-13,272	-580	3,970	0	0	0
Financing Activities
Financing Activities
Net increase in demand deposits, money market, interest checking & savings accounts
43,680	21,376	29,768	35,365	37,722	49,308	55,129	42,618	30,444	36,425	26,447	27,432	43,714	47,942	53,848	57,169	45,601	39,810	46,281	54,770	50,731	44,930	24,960	12,646	13,961	9,745	30,391	22,235	21,488	35,612	20,372	29,859	26,939	-3,435	0	0	0
Net increase in certificates of deposit
-7,447	16,291	28,760	51,130	41,141	23,644	17,490	2,928	5,436	20,102	28,216	31,601	31,173	38,678	34,728	28,205	14,144	-4,263	-7,974	-15,911	-5,167	-12,258	-11,242	43	-13,501	-18,512	-24,099	-29,518	-24,721	-27,376	-19,471	-7,069	-4,410	6,521	0	0	0
Net increase (decrease) in short term borrowings
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase (decrease) in securities sold under agreements to repurchase
-	-	-	-	-	102	4,196	7,016	2,709	4,550	-20	-6,622	-2,728	-1,874	-5,548	2,628	-124	-334	-991	-2,077	-2,257	-1,956	3,066	7,932	5,922	4,363	1,101	-6,510	-6,788	-8,446	-5,043	-4,043	-31,729	-27,007	0	0	0
Proceeds from Federal Home Loan Bank advances
-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	9,000	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repayment of Federal Home Loan Bank advances
-	-	-	-	-	-	-	-	-	13,000	0	0	0	-	-	-	-	-	-	-	-	2,000	2,000	16,000	12,500	14,000	23,000	29,000	48,111	44,776	35,939	35,102	27,069	33,031	0	0	0
Net proceeds from share-based compensation plans
-	-	-	-	-	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net proceeds from share-based compensation plans
0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	67	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repayments of FHLB Advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from stock options exercised
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	26	17	10	0	0	0	0	-	-	-	-
Stock repurchase plan
5,570	5,050	4,344	1,497	1,345	109	116	469	1,388	1,785	2,322	2,430	1,613	1,168	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Issuance of common shares
-	139	139	139	139	27,912	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Exercise of Stock Options
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Dividends on Common Stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-1,033	-	-934	-883	-833	-783	-733	-684	-757	-586	0	0	0	-	-	-	-	-	-	-	-
Dividends on Preferred Stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Dividends on preferred stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Repayment of notes payable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	589	680	1,148	1,424	1,113	1,295	1,101	1,095	1,086	890	893	699	502	0	0	0
Dividends on common shares
2,519	2,331	2,281	2,224	2,160	2,090	1,896	1,711	1,529	1,362	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Dividends on preferred shares
-	950	963	974	975	975	975	975	975	975	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by financing activities
44,491	27,486	41,745	67,249	77,935	95,484	105,968	83,554	65,695	49,330	48,100	45,869	63,496	73,254	73,444	74,855	48,675	38,339	42,337	35,787	61,598	46,701	26,110	25,846	757	-11,045	3,209	-2,646	-6,217	6,928	529	8,752	-13,967	-34,454	0	0	0
Increase in cash and cash equivalents
-6,569	-21,299	4,309	18,373	14,633	21,747	17,257	3,028	2,589	9,604	3,091	-8,560	10,211	-3,447	6,795	8,236	-14,236	-7,738	-3,498	7,931	34,905	15,060	2,854	3,028	-13,171	-6,007	8,728	-3,885	-1,571	4,298	-3,476	4,149	-8,489	-15,572	0	0	0
Supplemental cash flow information
Interest paid
-	-	-	-	-	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest paid
0	-	-	-	0	-	-	-	-	-	-	-	-	3,054	2,892	2,699	2,646	2,583	2,637	3,316	3,726	3,855	3,827	3,794	3,498	3,534	8,065	7,672	7,924	8,206	4,151	4,501	5,083	5,816	0	0	0
Income taxes paid
-	3,084	3,810	3,420	2,270	1,870	2,532	2,786	3,122	3,105	3,353	3,709	4,172	3,969	3,889	3,309	1,650	2,060	2,325	1,995	1,840	1,715	1,040	780	785	550	600	670	170	120	0	0	0	-	-	-	-
Fair value of assets acquired - premises and equipment
-	1,161	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Supplemental non-cash disclosure
Supplemental non-cash disclosure
Initial recognition of right-of-use lease assets
-	293	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Transfer of loans to foreclosed assets
357	551	543	592	330	201	176	87	165	95	1,013	1,089	1,032	1,238	418	350	313	134	58	182	335	308	351	508	603	981	1,113	1,689	1,545	1,181	1,331	597	2,113	2,499	0	0	0
Dividends Payable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-
Dividends payable
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-