Sb financial group, inc. (SBFGP)
CashFlow / Yearly
Dec'19Dec'18Dec'17Dec'16Dec'15Dec'14Dec'13Dec'12Dec'11Dec'10Dec'09
Operating Activities
Operating Activities
Net Income

11,973

11,638

11,065

8,784

7,619

5,263

5,205

4,814

1,664

-15,613

382

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

1,879

1,693

1,566

1,509

1,097

901

-

-

-

-

-

Depreciation and amortization

-

-

-

-

-

-

1,089

1,232

1,783

4,007

4,473

Provision for loan losses

800

600

400

750

1,100

450

900

1,350

1,994

10,587

5,738

Expense of share-based compensation plan

417

278

303

114

81

90

64

51

88

49

143

Amortization of premiums and discounts on securities

314

355

547

917

977

929

955

1,266

1,604

1,546

608

Amortization of intangible assets

8

10

11

13

201

372

564

630

737

-

-

Amortization of intangible assets

-

-

-

-

-

-

-

-

-

800

858

Amortization of originated mortgage servicing rights

2,126

1,230

1,132

1,340

880

613

827

1,335

744

483

305

Net gains on sales of securities

-

-

-

262

-

160

48

-

1,871

-

-

Net realized gains on available-for-sale securities

-

-

-

-

-

-

-

-

-

450

960

Software and fixed asset impairment

-

-

-

-

-

-

-

65

609

4,892

0

OREO impairment

-

-

-

-

-

-

33

58

214

971

0

Prepayment penalty on trust preferred securities

-

-

-

-

-

333

-

-

-

-

-

Goodwill impairment

-

-

-

-

-

-

-

-

381

4,680

0

Impairment of mortgage servicing rights

1,094

61

-77

-68

-116

231

-629

-309

1,119

-85

85

Deferred income taxes

-279

324

-788

738

1,519

661

-

-

-

-

-

Deferred income taxes

-

-

-

-

-

-

1,731

1,858

837

-5,857

-1,008

Proceeds from sale of loans held for sale

368,154

275,604

259,119

353,068

278,670

188,495

239,208

325,486

199,628

240,632

219,243

Originations of loans held for sale

364,472

271,067

253,840

343,377

276,252

182,225

232,379

321,828

193,476

228,029

228,922

Gain from sale of loans

9,668

8,100

8,404

9,151

7,195

4,549

5,651

6,548

3,828

4,800

3,354

Loss (gain) on sales of assets

5

-35

6

177

18

-80

-484

-329

9

2

-32

Net gains on sales of securities

206

70

-

-

-

-

-

-

-

-

-

Changes in
Net gain on sale of securities

-

-

119

-

-

-

-

-

-

-

-

Changes in
Other intangible impairment

-

-

-

-

-

-

-

-

-

1,591

0

Interest receivable

284

997

313

252

-86

65

46

-400

-434

-255

-639

Other assets

3,680

562

1,760

872

1,616

4,557

-1,236

62

-1,005

-2,216

5,802

Loss on sale of foreclosed assets

-

-

-

-

-

-

-

-

-333

-201

-102

Interest payable & other liabilities

-10,648

-2,888

967

952

1,582

-1,855

403

-2,710

922

-1,224

251

Net cash provided (used) by operating activities

18,829

13,850

9,803

14,026

8,615

5,007

13,946

7,417

14,912

16,855

-7,183

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

38,455

29,281

29,849

22,603

26,261

26,097

32,090

28,573

52,227

76,637

67,881

Proceeds from maturities of available-for-sale securities

22,527

18,042

22,016

17,534

20,328

17,701

29,993

41,321

29,183

37,686

40,839

Proceeds from sales of available-for-sale securities

7,375

2,185

14,488

3,212

0

13,299

7,389

0

44,332

9,995

27,081

Proceeds from sales of portfolio loans

11,265

-

-

-

-

-

-

-

-

-

-

Net change in loans

65,504

76,503

51,202

88,027

42,338

39,985

15,642

22,997

19,733

-11,081

7,721

Purchase of premises, equipment

2,043

1,999

3,714

1,636

7,199

1,895

1,152

833

680

2,146

3,406

Proceeds from sales of premises, equipment

24

134

-

9

667

-13

317

0

9

-63

57

Purchase of bank owned life insurance

-

-

665

0

0

-

-

-

1,354

0

0

Purchase of bank owned life insurance

50

-

3,000

0

0

-

-

-

-

-

-

Purchase of Federal Reserve and Federal Home Loan Bank Stock

525

375

-

-

-

-

-

63

0

0

204

Proceeds from sale of foreclosed assets

372

210

1,067

784

111

342

2,277

1,098

1,669

1,958

987

Acquisition, net of cash acquired

2,600

-

-

-

-

-

-

-

-

-

-

Proceeds from sale of Fed stock

-

-

-

-

-

-

-

-

63

0

0

Proceeds for the sale of FHLB stock

-

-

-

-

-

-

-

-

-

0

700

Net cash used in investing activities

-67,614

-87,587

-49,529

-90,727

-54,692

-36,648

-8,909

-10,048

3,970

-18,125

-9,547

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

21,376

49,308

36,425

47,942

39,810

44,930

9,745

35,612

-3,435

26,067

32,730

Net increase in certificates of deposit

16,291

23,644

20,102

38,678

-4,263

-12,258

-18,512

-27,376

6,521

-1,631

-25,709

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

-2,239

102

4,550

-1,874

-334

-1,956

4,363

-8,446

-27,007

-1,257

3,616

Proceeds from Federal Home Loan Bank advances

-

13,000

5,000

5,500

9,000

16,000

9,000

53,000

-

-

-

Net increase in federal funds purchased

-

-

-

-

-

-

-

-

-

5,000

-5,000

Proceeds from Federal Home Loan Bank advances

-

-

-

-

-

-

-

-

23,000

0

7,500

Repayment of Federal Home Loan Bank advances

-

15,500

13,000

14,000

4,000

2,000

14,000

44,776

33,031

12,459

8,880

Net proceeds from share-based compensation plans

251

192

375

331

67

17

-

-

-

-

-

Proceeds from stock options exercised

-

-

-

-

-

-

-

0

-

-

-

Stock repurchase plan

5,050

109

1,785

1,168

2

-

-

-

-

0

156

Issuance of common shares

139

27,912

-

-

-

-

-

-

-

-

-

Conversion of preferred stock

1

-

-

-

-

-

-

-

-

-

-

Net proceeds from share based compensation plans

-

-

-

-

-

-

58

-

-

-

-

Dividends on Common Stock

-

-

-

-

-

-783

-586

0

-

-

-

Dividends on Preferred Stock

-

-

-

-

-

0

-

-

-

-

-

Repayment of trust preferred securities

-

-

-

-

-

10,643

0

-

-

-

-

Proceeds from issuance of Series A preferred stock

-

-

-

-

-

13,983

0

-

-

-

-

Proceeds from long term note

-

-

-

-

-

7,000

0

-

-

-

-

Repayment of long term note payable

-

-

-

-

-

7,000

0

-

-

-

-

Proceeds from notes payable

-

-

-

-

-

-

-

-

-

1,700

2,700

Net change in short term line of credit

-

-

-

-

-

-

-

-

-

0

-1,000

Repayment of notes payable

-

-

-

-

-

589

1,113

1,086

502

556

553

Dividends on common shares

2,331

2,090

1,362

1,180

983

-

-

-

-

0

1,752

Dividends on preferred shares

950

975

975

975

956

-

-

-

-

-

-

Net cash provided by financing activities

27,486

95,484

49,330

73,254

38,339

46,701

-11,045

6,928

-34,454

6,862

13,496

Increase in cash and cash equivalents

-21,299

21,747

9,604

-3,447

-7,738

15,060

-6,007

4,298

-15,572

5,593

-3,234

Supplemental cash flow information
Interest paid

9,292

5,895

3,910

3,054

2,583

3,855

3,534

8,206

5,816

9,137

12,050

Income taxes paid

3,084

1,870

3,105

3,969

2,060

1,715

550

120

-688

-

-

Fair value of assets acquired - premises and equipment

1,161

-

-

-

-

-

-

-

-

-

-

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

293

-

-

-

-

-

-

-

-

-

-

Transfer of loans to loans held for sale

11,114

-

-

-

-

-

-

-

-

-

-

Income taxes paid (refunded)

-

-

-

-

-

-

-

-

-

-1,054

-71

Transfer of loans to foreclosed assets

551

201

95

1,238

134

308

981

1,181

2,499

5,149

1,547

Transfer of loans to premises and equipment

-

670

-

-

-

-

-

-

-

-

-

Sale and financing of foreclosed assets

-

-

-

-

-

-

-

-

-

2,249

0