STEWARDSHIP FINANCIAL CORP SSFN Cash Flow

Stewardship financial corp (SSFN)

CashFlow / TTM

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 (Loss) Attributable to Parent
7,021	7,869	8,030	6,319	5,797	4,764	3,947	5,247	4,642	4,736	4,736	4,449	4,414	4,274	4,200	4,440	3,992	3,496	3,085	2,449	2,419	2,154	2,470	1,545	1,351	566	520	-182	68	977	684	0	0	0
Adjustments to reconcile net income to net cash provided by (used in) operating activities
Depreciation and amortization of premises and equipment
534	503	475	449	436	414	399	393	385	381	380	384	391	406	392	390	385	383	420	423	432	435	428	449	473	501	532	553	570	583	594	0	0	0
Amortization of premiums and accretion of discounts, net
-433	-438	-465	-492	-519	-536	-533	-573	-613	-619	-640	-626	-617	-640	-670	-732	-803	-889	-943	-993	-1,077	-1,181	-1,299	-1,456	-1,537	-1,577	-1,628	-1,598	-1,526	-2,108	-1,372	0	0	0
Compensation expense on restricted stock, net of forfeitures
0	0	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Amortization of restricted stock
-	-	-	-	-	-	-	64	70	69	122	87	83	80	92	101	78	56	69	0	0	0	-	-	-	0	-	-	-	-	-	-	-	-
Amortization of subordinated debenture issuance costs
65	65	65	65	66	65	65	66	65	65	66	64	54	38	21	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Accretion of deferred loan fees
-127	-162	-147	-150	-143	-145	-145	-153	-153	-136	-118	-111	-94	-100	-102	-71	-88	-56	-42	-25	-18	-32	-44	-74	-46	-45	-49	-46	-29	16	16	0	0	0
Fair value adjustment for equity security
229	176	80	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Fair value adjustment for equity security
229	176	80	-137	-103	-74	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Provision for loan losses
0	0	-	0	0	0	-	0	0	0	-	-1,325	-1,475	-1,625	-1,375	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Provision for loan losses
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	675	1,325	2,175	3,775	6,680	7,780	9,830	9,995	11,590	11,920	10,935	10,845	0	0	0
Originations of mortgage loans held-for-sale
5,038	4,804	4,666	5,061	8,830	8,317	10,316	15,463	13,739	14,095	12,307	6,842	7,936	10,494	10,764	10,299	9,124	5,061	4,608	5,989	13,338	29,618	39,815	48,704	49,721	45,794	61,431	80,160	89,403	88,211	85,615	0	0	0
Proceeds from sale of mortgage loans
5,263	4,877	5,106	5,847	8,823	8,688	10,897	15,292	14,056	14,853	13,220	8,206	8,884	10,658	9,383	9,236	8,090	4,519	4,680	6,620	15,336	32,032	41,248	49,502	51,783	45,726	66,245	81,475	87,253	88,859	91,931	0	0	0
Proceeds from sale of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2,559	0	0	0	-	-	-	0	-	-	-	-	-	-	-	-
Gain (Loss) on Sale of Mortgage Loans
87	73	70	98	154	183	178	217	182	163	164	94	113	149	141	143	123	70	72	85	203	499	649	770	782	638	887	1,101	1,184	1,216	1,209	0	0	0
Gains (Losses) On Sale Of Small Business Administration Loans
246	234	193	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Debt and Equity Securities, Gain (Loss)
-189	-190	-186	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Loss on sale of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-241	0	0	0	-	-	-	0	-	-	-	-	-	-	-	-
Gain on calls and sales of securities
-	-	-	-	-	-	-	-	7	39	63	79	73	41	169	317	317	317	165	151	151	151	153	1,006	1,897	1,909	2,340	2,022	1,585	1,594	1,161	0	0	0
Gain on sale of other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	83	62	62	116	63	98	254	200	326	279	86	456	429	442	479	109	10	0	0	0
Deferred income tax expense (benefit)
-1,675	-903	-3	4,213	1,770	1,743	1,419	219	296	304	722	394	555	1,618	517	1,111	805	-199	626	315	464	697	370	443	194	382	115	-601	-804	-1,892	-1,850	0	0	0
Excess tax benefit from restricted stock vesting
-	-	-	-	-	-	-48	-48	-48	-48	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Decrease in accrued interest receivable
173	280	130	217	140	236	433	434	415	185	166	137	6	150	-27	9	-113	-42	-72	-206	-282	-310	-306	-146	-188	-289	-246	-456	-314	-433	-188	0	0	0
Decrease in accrued interest payable
-205	704	-10	41	146	-434	322	212	183	605	3	-14	416	188	483	213	34	-14	-93	-99	-113	-130	-159	-174	-199	-223	-215	-198	-254	-166	-202	0	0	0
Bank Owned Life Insurance Income
549	549	552	555	558	549	526	504	483	461	447	431	414	408	403	403	400	405	405	402	400	371	351	332	317	321	325	325	325	325	325	0	0	0
Gain on life insurance proceeds
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	537	537	537	537	0	0	0	0	-	-	-	-
Stock option expense
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	19	0	0	0
(Increase) decrease in other assets
-2,050	-1,002	155	2,314	-143	-528	-686	-183	266	303	-6	324	67	217	-395	-111	-382	-717	-300	-534	-338	-2,014	-2,047	-3,805	-3,063	-503	-950	1,681	1,277	-1,699	442	0	0	0
Decrease in other liabilities
426	-70	335	212	624	1,532	819	1,269	426	369	424	45	-210	-1,370	-2,146	-2,149	-91	1,122	1,808	1,978	284	334	704	-1,335	-713	-1,050	-1,870	1,275	538	507	1,266	0	0	0
Net cash provided by operating activities
8,045	7,717	7,536	8,107	7,885	8,950	8,530	7,336	5,812	6,203	5,904	0	0	0	-	-	-	-	-	13,703	13,805	16,663	14,162	10,272	12,163	8,491	12,783	10,972	6,904	9,322	16,069	0	0	0
Net cash provided by (used in) operating activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash flows from investing activities:
Purchase of securities available-for-sale
2,969	13,144	17,160	17,733	19,264	32,693	29,201	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of securities available-for-sale
-	-	-	-	-	-	-	-	-	-	44,228	53,002	34,635	21,786	13,404	-1,431	117	118	6,319	11,533	19,362	41,456	48,539	93,092	129,743	125,214	134,832	127,392	116,237	103,917	97,018	0	0	0
Proceeds from maturities and principal repayments on securities available-for-sale
14,361	14,234	15,212	15,453	15,021	14,746	14,096	14,655	15,304	15,377	14,707	13,624	12,505	12,334	12,458	13,612	15,144	16,978	18,247	18,974	20,832	23,057	27,768	30,298	31,478	30,617	27,964	27,332	24,329	22,537	21,148	0	0	0
Proceeds from sales and calls on securities available-for-sale
8,171	4,171	1,007	1,006	1,506	1,506	500	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sales and calls on securities available-for-sale
-	-	-	-	-	-	-	-	-	-	22,853	22,852	15,050	6,050	31,845	39,000	39,000	39,000	11,155	13,123	12,323	16,323	18,823	45,626	82,840	92,840	102,300	88,196	66,173	57,205	46,245	0	0	0
Purchase of securities held-to-maturity
9,967	15,803	15,828	15,826	14,327	6,991	8,173	10,220	14,225	28,624	35,448	36,885	34,660	25,294	22,944	22,603	19,864	20,089	12,940	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from maturities and principal repayments on securities held-to-maturity
4,503	4,942	5,614	6,370	6,996	6,567	6,665	9,629	11,634	12,267	11,944	9,068	7,687	7,231	9,144	9,138	10,757	9,994	7,824	6,258	3,179	2,855	2,491	3,199	3,259	3,687	4,147	4,252	4,275	4,425	4,938	0	0	0
Proceeds from calls on securities held-to-maturity
1,605	1,105	280	480	880	1,260	1,320	1,355	16,105	25,955	31,955	33,970	19,720	11,490	8,250	6,000	5,100	3,100	0	0	0	0	-	-	-	4,063	4,418	3,660	4,000	1,500	1,895	0	0	0
Purchase of equity securities
-1	17	41	42	42	24	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of FHLB-NY stock
11,100	8,817	6,671	4,173	2,963	7,372	11,650	12,819	11,204	7,214	2,180	0	0	0	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-
Redemption of FHLB-NY stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Redemption of FHLB-NY stock
0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Sale of FHLB-NY stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	278	95	19	0	0	0
Net increase in loans
34,520	38,140	21,182	36,662	29,213	53,245	107,409	139,756	154,352	126,476	77,568	33,917	31,202	38,435	49,464	75,696	74,675	67,678	45,869	13,324	1,028	-6,271	4,859	10,471	8,089	1,545	-2,106	-3,260	-6,054	7,848	17,453	0	0	0
Proceeds from sale of other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,458	2,163	2,163	2,649	1,608	638	1,386	792	1,253	3,070	3,191	5,499	7,292	5,431	4,562	2,620	366	0	0	0
Life insurance proceeds
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,055	1,055	1,055	1,055	0	0	0	0	-	-	-	-
Additions to premises and equipment
728	767	573	664	688	806	742	455	407	261	147	144	94	79	614	745	870	1,485	1,258	1,385	1,384	807	522	256	138	99	76	143	234	244	300	0	0	0
Net cash used in investing activities
-18,510	-42,265	-30,884	-47,251	-37,049	-72,521	-126,730	-157,871	-166,599	-119,582	-77,943	0	0	0	-	-	-	-	-	3,883	7,312	5,035	-4,280	-21,688	-14,504	10,956	13,584	4,874	-6,800	-23,627	-40,160	0	0	0
Net cash provided by (used in) investing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash flows from financing activities:
Net increase in noninterest-bearing deposits
-5,372	-2,216	1,856	18,694	10,665	8,006	3,555	-463	17,217	16,365	21,478	20,994	6,915	12,795	11,107	10,733	9,835	3,719	3,156	427	-1,677	4,727	9,279	14,858	21,371	14,363	8,510	6,943	9,499	5,043	16,053	0	0	0
Net increase (decrease) in interest-bearing deposits
-4,744	13,616	16,136	26,911	60,503	63,506	101,614	95,340	77,207	71,913	32,699	39,222	33,555	33,309	37,170	18,124	9,784	-12,813	-24,271	-20,572	-24,642	-24,849	-21,942	-21,128	-22,167	-20,908	-11,808	-11,381	-4,422	5,531	1,896	0	0	0
Net increase in long term borrowings
35,000	30,000	10,000	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repayment of long term borrowings
-	-	-	-	-	-	15,000	10,000	15,000	15,000	10,000	10,000	-21,700	-16,700	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	18,000	0	0	0
Net decrease in securities sold under agreements to repurchase
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-7,300	-7,944	257	257	-43	1,393	-6,998	-6,998	-6,999	-8,540	-1,449	-301	-300	0	0	0
Net increase (decrease) in short-term borrowings
5,700	5,900	12,700	13,800	-16,300	-16,440	-5,440	5,760	25,760	22,200	11,200	0	0	0	-	-	-	-	26,700	0	0	0	-	-	-	-	-7,700	0	0	0	4,700	0	0	0
Payment of discount on dividend reinvestment plan
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-2	-2	-2	-2	-2	-4	-7	-8	-9	-10	-12	-15	0	0	0
Proceeds from issuance of common stock, net of costs
-	-	-	-	-	-	-	-	-	-	0	65	91	138	142	101	103	192	188	176	175	77	86	96	127	159	194	226	271	226	182	0	0	0
Cash dividends paid on common stock
1,042	1,040	1,040	1,039	1,038	1,037	961	886	810	734	672	610	549	487	486	485	423	362	300	239	238	238	238	298	474	650	886	1,059	1,117	1,173	1,171	0	0	0
Cash dividends paid on preferred stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	456	627	683	683	683	682	682	638	633	590	532	443	352	261	246	333	383	0	0	0
Payment of discount on dividend reinvestment plan
4	4	4	4	5	5	5	5	4	4	4	4	3	3	3	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Taxes paid related to net share settlement of restricted stock
-	0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Issuance of common stock for cash
112	114	117	168	169	170	167	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Excess tax benefit from restricted stock vesting
-	-	-	-	-	-	-	-	-	-	5	5	5	5	3	3	3	-22	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by financing activities
9,546	25,527	18,901	32,770	23,234	72,956	127,790	146,723	166,345	112,853	72,809	0	0	0	-	-	-	-	-	-22,136	-20,809	-20,641	-13,493	9,429	-8,677	-17,484	-19,049	-22,195	-630	8,825	17,806	0	0	0
Net decrease in cash and cash equivalents
0	0	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by financing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase (decrease) in cash and cash equivalents
-	-	-	-	-	-	9,590	-3,812	5,558	-526	770	5,000	-5,881	-7,716	824	5,175	5,152	-6,166	-7,319	-4,550	308	1,057	-3,611	-1,987	-11,018	1,963	7,318	-6,349	-526	-5,480	-6,285	0	0	0
Supplemental disclosures of cash flow information:
Cash paid during the period for interest
9,490	7,834	7,846	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash paid during the period for interest
-	-	-	-	-	-	-	-	4,686	3,978	4,510	4,621	4,070	4,017	3,342	3,182	3,160	3,175	3,300	3,450	3,613	3,778	3,972	4,170	4,514	4,937	5,390	5,872	6,401	6,768	7,165	0	0	0
Cash paid during the period for income taxes
3,105	3,942	3,928	3,374	2,460	1,730	2,322	2,065	2,040	2,142	1,589	2,051	2,023	2,310	2,301	1,911	1,324	388	358	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Transfers from loans to other real estate owned
-	-	-	-	-	-	-	-	-	-	404	555	1,032	1,033	880	650	1,076	1,076	2,440	2,267	1,364	1,560	349	412	2,288	2,974	2,821	0	0	0	-	-	-	-