Southwest georgia financial corp (SGB)
CashFlow / TTM
Dec'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
Cash flows from operating activities:
Net income

5,290

5,082

4,793

4,643

4,647

4,240

4,048

3,974

3,807

4,092

4,113

4,051

4,033

3,875

3,759

3,612

3,373

3,192

3,139

3,011

2,903

3,223

3,070

2,907

2,772

2,432

2,202

1,933

1,939

1,693

1,371

1,657

1,461

0

0

0

Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses

856

970

840

729

829

679

505

440

300

270

240

205

160

115

121

126

141

216

240

270

330

360

390

420

420

445

445

445

445

518

893

938

983

0

0

0

Provision for foreclosed asset losses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

320

300

300

300

300

0

0

0

Depreciation

1,200

1,225

1,169

1,103

1,036

948

919

900

881

890

894

908

923

938

953

957

961

935

916

901

890

886

886

893

897

928

936

917

897

878

869

849

829

0

0

0

Net amortization of investment securities

-340

-316

-310

-328

-356

-370

-377

-383

-396

-405

-395

-375

-309

-277

-262

-263

-307

-316

-326

-325

-324

-333

-344

-353

-361

-350

-323

-516

-329

-898

-742

-378

-375

0

0

0

Income on cash surrender value of bank owned life insurance

133

125

132

139

147

156

148

141

133

131

128

126

125

131

137

142

147

147

147

148

123

131

139

179

175

174

174

140

173

185

181

177

164

0

0

0

Amortization of intangible assets

3

7

11

15

15

15

15

15

15

15

15

15

15

15

15

15

15

15

15

15

44

94

144

194

215

215

215

217

219

221

223

223

219

0

0

0

Disposal of fixed assets to charitable expense

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Gain on sale/writedown of foreclosed assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

40

76

86

84

-228

-225

-196

-142

101

73

-127

-125

0

0

0

-

-

-

-

Loss (gain) on sale/writedown of foreclosed assets

37

17

18

26

17

-6

-6

-16

-8

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Net gain on extinguishment of debt

143

460

460

460

317

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net gain on sale of securities

-

-

-

-

-

-

-

-

-

-

-

265

-

168

111

31

3

3

142

139

293

605

466

466

311

0

0

0

-

-

-

-

-

-

-

-

Net loss on disposal of other assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

9

13

13

20

3

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Change in:
Net gain on sale of securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Net gain on disposal of other assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Funds held related to mortgage banking activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-1,032

-829

-275

14

0

0

0

Other assets

146

173

590

11

-71

-518

-702

-782

-489

-67

-121

19

253

240

320

303

-52

20

-138

-1,060

-640

-1,136

-871

80

-219

898

537

598

756

-919

-800

-592

-668

0

0

0

Other liabilities

142

-191

80

-80

-193

-156

-26

-278

288

100

335

-96

324

416

298

419

-208

140

-118

-496

-213

-417

-204

155

-526

131

79

-78

364

-108

-192

8

125

0

0

0

Net cash provided by operating activities

7,023

6,487

6,041

6,382

6,560

6,480

6,373

6,032

5,882

5,496

5,748

5,024

5,181

5,098

4,842

4,913

4,470

4,592

4,276

4,694

4,414

4,133

4,721

4,106

3,987

4,771

4,171

2,721

3,224

2,389

2,471

4,539

4,607

0

0

0

Cash flows from investing activities:
Proceeds from calls, paydowns and maturities of securities HTM

11,298

9,618

12,439

13,231

12,252

10,843

9,868

8,873

10,070

9,212

7,243

6,904

5,952

6,228

5,944

5,232

5,115

4,839

4,585

4,185

3,983

4,178

5,899

7,824

9,255

9,532

13,167

12,649

12,389

13,405

11,690

14,140

15,831

0

0

0

Proceeds from calls, paydowns and maturities of securities AFS

5,499

2,298

981

845

795

752

655

593

635

676

4,579

4,612

10,354

12,410

8,657

9,759

4,143

2,241

2,647

1,581

2,460

2,756

2,858

3,655

4,093

4,213

4,671

7,177

7,547

9,403

10,141

10,056

11,641

0

0

0

Proceeds from Federal Home Loan Bank Stock repurchase

996

1,433

2,005

2,005

1,164

0

0

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from Federal Home Loan Bank Stock repurchase

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-1,115

-845

-1,021

-530

-491

0

0

0

-

-

-

-

-

-

-

-

Proceeds from sale of securities available for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

640

442

0

0

0

-

-

-

-

-

-

-

-

Proceeds from sale of securities available for sale

-

-

-

-

-

-

-

-

5,741

5,741

4,225

6,767

11,933

11,933

10,384

9,346

4,044

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sale of securities held to maturity

-

-

-

-

-

-

-

-

-

-

-

-

576

576

576

1,093

516

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from maturity of certificates of deposit in other banks

-

-

-

-

-

-

-

-

-

-

-

-

245

1,225

1,470

1,470

1,225

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sale of securities available for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Purchase of securities held to maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

5,207

8,230

9,323

8,902

6,239

2,821

2,540

5,147

9,341

13,054

17,789

18,737

20,202

25,586

24,133

26,851

22,193

0

0

0

Purchase of securities available for sale

22,400

24,419

16,146

9,717

8,762

6,744

6,744

3,843

7,039

17,488

25,557

31,336

25,129

19,295

11,226

4,614

5,709

4,741

4,741

16,856

20,586

21,418

23,634

14,014

20,328

24,801

23,480

20,985

9,848

1,882

987

1,437

9,234

0

0

0

Purchase of Federal Home Loan Bank Stock

890

890

1,400

550

546

0

0

0

-

-

-

-

418

673

512

486

450

195

1,056

954

954

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Purchase certificates of deposit in other banks

-

-

-

-

-

-

-

-

1,985

1,985

1,985

1,235

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of certificates of deposit in other banks

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

245

2,450

3,185

3,185

2,940

0

0

0

-

-

-

-

Net change in loans

22,638

28,519

43,074

43,156

47,511

38,124

24,929

26,152

38,895

43,615

34,869

40,093

41,850

48,295

51,365

40,710

26,517

13,466

9,772

7,657

6,362

5,081

8,562

15,805

14,944

19,429

26,063

24,804

24,447

21,497

19,536

17,641

24,968

0

0

0

Proceeds from bank owned life insurance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase bank owned life insurance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

Expenditures for improvements to other real estate owned

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

42

0

0

0

Purchase of premises and equipment

616

1,202

1,891

2,593

3,382

3,289

3,257

2,652

1,955

1,497

1,694

1,503

1,455

1,355

493

457

370

463

763

1,647

2,311

2,605

2,434

1,646

1,105

705

689

679

1,309

1,776

1,918

2,267

1,553

0

0

0

Proceeds from sales of foreclosed assets

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sales of fixed assets and foreclosed assets

974

941

665

197

1,131

0

0

0

-

-

-

-

-

-

-

-

201

505

530

646

578

702

1,024

1,323

1,398

0

0

0

-

-

-

-

-

-

-

-

Proceeds from sales of other assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

0

0

0

Net cash used by investing activities

-18,459

-33,262

-48,302

-42,128

-47,249

-37,334

-22,882

-19,036

-35,086

-49,152

-47,670

-56,055

-39,552

-39,084

-38,398

-21,675

-22,838

-12,793

-8,746

-24,568

-24,149

-20,524

-25,756

-22,716

-30,360

-44,970

-51,361

-37,944

-28,136

-18,219

-2,585

-213

-6,752

0

0

0

Cash flows from financing activities:
Net change in deposits

17,794

39,889

52,201

70,169

58,633

41,491

24,207

25,442

25,512

20,500

47,212

61,601

32,477

41,484

22,189

-3,377

29,042

11,487

8,008

3,917

-460

2,627

17,423

20,208

18,672

31,006

37,134

48,879

42,851

40,764

16,242

4,841

9,379

0

0

0

Payment of short-term portion of long-term debt

41,490

47,651

60,255

30,255

22,971

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Payments for early retirement of long-term debt

-11,501

-20,612

-20,612

-20,612

-9,110

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from issuance of short-term debt

32,214

37,214

41,214

9,000

8,000

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash dividends paid

1,221

1,222

1,222

1,221

1,196

1,170

1,145

1,120

1,120

1,120

1,120

1,095

1,070

1,044

1,019

1,019

1,019

968

917

866

815

815

713

611

509

407

407

407

407

305

203

101

254

0

0

0

Net cash provided by financing activities

13,568

25,096

37,804

35,774

42,049

36,084

35,492

36,751

36,821

30,925

44,494

58,909

29,809

45,706

26,037

4,469

36,889

7,385

12,290

1,250

-3,076

6,012

20,709

26,596

25,162

37,598

34,727

46,472

40,443

38,458

14,038

2,739

7,125

0

0

0

Increase (decrease) in cash and cash equivalents

-

0

0

27

-

0

0

23,747

-

-12,730

2,572

7,878

-4,560

11,720

-7,518

-12,292

18,521

-816

7,821

-18,623

-22,811

-10,378

-325

7,986

-1,210

-2,600

-12,462

11,249

15,530

15,415

13,924

7,065

4,979

0

0

0

NONCASH ITEMS:
Increase in foreclosed properties and decrease in loans

850

41

90

127

503

503

1,317

1,279

903

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Unrealized gain (loss) on securities AFS

2,094

3,212

2,534

1,216

-665

-2,059

-1,607

-979

140

-1,463

-1,729

-1,657

-848

661

1,442

410

134

1,062

174

1,286

1,197

304

713

-702

-1,279

-929

-1,113

-659

-732

-783

-401

733

813

0

0

0

Net reclass between short and long-term debt

4,707

5,010

5,957

5,957

7,457

7,457

16,614

16,614

15,114

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net reclass between short and long-term debt

4,707

5,010

5,957

5,957

7,457

7,457

16,614

16,614

15,114

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Retirement of treasury stock

-

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Receivable from sale of guaranteed foreclosed asset

-

0

0

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Sale of foreclosed properties through loans

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

357

362

362

447

206

329

711

606

912

780

969

1,066

760

0

0

0

Net reclass between short and long-term debt

4,707

5,010

5,957

5,957

7,457

7,457

16,614

16,614

15,114

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-