Standard avb financial corp. (STND)
CashFlow / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Mar'16Dec'15Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11Dec'10
Cash Flows From Operating Activities
Net income

1,110

2,075

2,465

2,097

2,169

1,767

2,380

2,494

2,160

1,441

1,936

385

563

559

901

866

685

722

721

754

579

764

782

831

-

-

-

-

Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization

511

-

-

-

446

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

828

18

Depreciation and amortization

-

-

-

-

-

-

-

331

305

307

348

76

198

115

70

68

200

211

233

231

154

222

207

244

540

101

98

95

Provision for loan losses

550

181

254

182

108

-

-

-

-

250

100

167

0

40

0

0

0

0

150

225

300

300

300

300

425

425

425

350

Amortization of core deposit intangible

145

145

144

145

193

193

193

193

257

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

42

42

42

Net loss on sale of securities available for sale

-

0

0

6

-7

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net amortization of premium/discount on securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

54

93

93

Net loss on securities available for sale

-

-

-

-

-

-

-

-

-

-

-

58

-65

33

83

-2

38

28

14

-1

1

0

3

52

-

-

-

-

Net gain on sale of equity securities

-

-

-

-

-

-

-

23

40

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net equity securities fair value adjustment losses (gains)

674

-75

-120

-8

-27

471

218

-155

-50

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net gain on securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2

Origination of loans held for sale

5,571

4,911

5,095

2,195

1,780

1,359

1,518

1,559

1,116

2,567

1,339

3,973

184

2,215

412

1,272

1,777

1,715

1,812

2,054

2,613

3,158

1,376

632

910

775

719

1,800

Proceeds from sale of loans held for sale

5,932

4,554

5,173

2,243

1,814

1,383

1,538

1,582

1,120

2,614

2,219

3,239

188

2,486

420

1,405

1,783

2,152

2,116

2,417

2,204

3,235

1,096

644

939

660

731

2,310

Net loan sale gains and referral fees

99

113

78

48

34

24

20

23

4

46

37

110

4

37

8

19

6

44

67

88

77

85

31

12

5

9

12

49

Compensation expense on ESOP

100

103

99

100

108

109

113

109

109

105

106

97

95

86

91

93

70

67

68

63

60

59

56

54

54

55

57

50

Compensation expense on stock awards

27

23

22

23

13

-

-

-

-

72

37

310

110

112

113

113

113

113

113

113

-

-

-

-

-

-

-

-

Stock contribution to Charitable Foundation

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

1,176

Deferred income taxes

95

-46

56

813

-743

30

893

0

-635

-1,174

6

178

344

-470

33

33

-214

36

36

-99

24

0

-100

-100

0

0

155

468

Increase in accrued interest receivable

42

-107

-150

47

181

-42

158

-20

70

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Increase in accrued interest receivable

-

-

-

-

-

-

-

-

-

-

-

-512

-10

-290

352

-3

-438

133

-12

34

-244

4

-23

391

140

-353

42

148

Decrease in prepaid Federal deposit insurance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

454

68

62

63

63

66

70

55

71

99

103

Earnings on bank-owned life insurance

138

136

136

134

131

135

134

133

131

136

140

113

121

124

122

122

125

132

125

114

97

99

99

101

101

100

96

98

(Decrease) increase in accrued interest payable

-56

-10

-49

-94

9

105

47

56

-47

44

-557

710

-10

38

11

-60

207

118

124

-193

-275

98

196

-302

-125

-20

-9

-11

(Decrease) increase in other accrued expenses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-150

Increase in accrued income taxes payable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-512

387

138

Other, net

731

-165

-3,329

2,233

-1,989

-242

-824

606

-890

-978

1,319

-725

-760

-34

-11

-38

-13

1

-18

51

-53

-52

7

-60

-

-

-

-

Net Cash Provided by Operating Activities

-

-

-

-

-

-

-

-

-

-

-

331

1,306

1,241

1,311

1,076

901

2,014

1,545

1,499

157

1,455

1,264

1,595

-

-

-

-

Other, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-37

-8

Net Cash Provided by Operating Activities

2,317

2,693

3,326

2,914

5,446

3,301

2,931

2,383

4,018

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,998

1,953

Cash Flows Used In Investing Activities
Net decrease in loans

-2,343

-11,108

-9,870

9,774

-4,026

4,508

-6,535

-7,811

-4,239

-49

14,375

33,917

6,395

3,492

5,732

6,209

3,564

6,723

-5,857

-278

-956

217

2,300

6,470

-4,052

-1,368

1,911

4,594

Purchases of investment securities

-4,146

-

-

-

-3,221

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchases of investment securities

-

-

-

-

-

-

-

496

2,556

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchases of equity securities

-

-

-

-

-

-

-

167

387

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchases of investment and equity securities

-

-

-

-

-

-

-

-

-

-

-

3,495

71

844

827

4,363

175

132

6,090

8,912

1,165

7,312

2,735

14,723

12,303

11,015

5,000

14,896

Purchases of mortgage-backed securities

1,531

-

3,830

11,778

9,112

-

3,775

6,024

16,147

-

-

-

-

-

-

-

-

-

-

-

0

1,996

5,463

2,051

0

2,004

4,893

21,080

Proceeds from maturities of certificates of deposits

-

-

-

-

-

-

-

0

250

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from maturities/principal repayments/calls of investment securities

9,145

-

1,000

1,500

35

-

85

0

30

718

4,425

1,822

1,955

948

2,604

3,170

3,103

1,957

209

6,959

4,770

3,210

1,961

9,701

8,097

10,743

7,453

9,363

Proceeds from maturities/principal repayments/calls of mortgage-backed securities

6,601

6,500

5,602

4,627

3,523

3,385

3,550

2,734

2,377

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sales of investment securities

-

-

-

-

3,700

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from maturities/principal repayments/calls of mortgage-backed securities

-

-

-

-

-

-

-

-

-

-

-

5,315

1,084

1,553

1,150

1,372

2,877

2,803

3,038

3,356

3,425

3,273

2,519

2,977

1,850

1,666

2,152

2,182

Proceeds from sales of investment securities

-

-

-

-

-

-

-

-

-

-

-

5,920

238

154

66

130

89

82

58

36

32

0

19

6,091

190

0

500

4

Proceeds from sales of equity securities

-

-

-

-

-

0

1,569

153

178

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of Federal Home Loan Bank stock

-

-

-

-

-

-

-

-

-

-

-

2,005

156

85

16

651

335

9

358

58

-

-

-

-

-

-

-

-

Purchase of Federal Home Loan Bank stock

1,120

168

935

1,001

1,033

313

34

978

2,207

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Redemption of Federal Home Loan Bank stock

456

347

937

797

1,470

470

585

1,863

2,255

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sales of foreclosed real estate

-

-

-

-

-

-

-

-

-

0

21

65

95

22

159

8

0

897

46

217

-

-

-

-

-

-

-

-

Redemption of Federal Home Loan Bank stock

-

-

-

-

-

-

-

-

-

-

-

-1,374

-330

-75

-306

-386

-431

-111

-70

-74

-129

0

-135

-142

-149

-179

-139

-170

Purchase of bank-owned life insurance

1,000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

3,000

-

-

-

-

-

-

-

-

Net additions of office properties and equipment

65

207

223

101

203

100

151

30

93

33

809

311

53

108

151

123

-72

92

34

32

-62

131

22

191

0

77

253

122

Net Cash Used in Investing Activities

-

-

-

-

-

-

-

-

-

-

-

-15,682

-2,973

-1,777

-446

-6,280

-491

-1,106

1,793

-1,082

8,101

-2,902

-5,394

-4,524

-

-

-

-

Net Cash Provided (Used) by Investing Activities

10,683

12,405

9,726

-15,895

-819

-7,939

6,479

9,696

-12,061

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-1,554

-28,973

Cash Flows From Financing Activities
Net increase in demand and savings accounts

4,529

-2,466

1,871

-6,628

25,338

-13,799

-5,018

9,470

-2,378

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net (decrease) increase in demand, savings and club accounts

-

-

-

-

-

-

-

-

-

-

-

5,626

2,730

-6,748

13,914

-4,193

2,156

2,541

3,307

-4,642

5,723

-3,854

4,192

-30

-1,969

-1,210

1,546

-1,736

Net (decrease) increase in time deposit accounts

-9,399

-91

-1,124

-578

210

6,309

11,660

17,165

-381

-2,722

-1,552

3,531

4,708

301

8,007

-564

-1,577

-2,140

-2,160

-1,659

-1,118

-1,353

2,350

4,067

7,964

2,082

-186

-1,185

Net increase in securities sold under agreements to repurchase

270

815

-694

-369

1,851

-1,969

-272

-181

319

-1,708

3,419

4

183

378

596

156

-339

1,258

-1,179

1,222

1,033

-1,055

-88

445

-1,537

-850

1,034

806

Stock proceeds less conversion expenses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-457

Purchase of ESOP shares

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

1,168

Net repayments of Federal Home Loan Bank short-term borrowings

-

798

27,000

77,195

4,524

1

0

80,990

84,500

64,064

138,037

34,069

3,567

1,188

7,680

7,189

7,269

18

3,149

2,489

4,769

2,018

2,017

869

8,404

6,410

2,207

16

Proceeds from Federal Home Loan Bank short-term borrowing

-

-

-

-

-

4,525

0

58,107

80,362

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repayments of Federal Home Loan Bank advances

11,530

8,857

7,831

9,598

7,879

11,089

8,051

10,193

6,356

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from Federal Home Loan Bank advances

25,000

-

-

-

-

3,000

0

10,000

20,000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Lease liabilities payments

89

102

101

102

102

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repayments of Federal Home Loan Bank advances

-

-

-

-

-

-

-

-

-

-

-

-

3,567

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from Federal Home Loan Bank advances

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

12,712

-

-

-

-

-

-

-

-

-

-

-

-

Net decrease in advance deposits by borrowers for taxes and insurance

-20

14

-59

54

-7

38

-59

-648

-68

257

489

-7

15

18

12

11

-

-

-

-

-

-

-

-

-

-

-

-

(Decrease) increase in advance deposits by borrowers for taxes and insurance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-39

81

-59

-71

-22

200

-158

27

282

153

41

19

Excess tax benefits from stock based compensation

-

-

-

-

-

-

-

-

-

-

-27

0

100

396

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Exercise of stock options

242

51

0

17

189

200

238

55

155

97

114

0

100

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Dividends paid

1,007

1,001

1,010

1,030

1,029

908

1,062

1,059

1,059

974

1,036

1,036

266

262

273

218

131

134

142

110

157

155

153

144

-

-

-

-

Stock repurchases

1,197

311

2,097

1,424

180

82

206

54

86

-

-

-

-

-

-

-

2,120

0

3,728

1,256

692

42

154

827

-

-

-

-

Net Cash Provided by Financing Activities

6,799

-11,948

-837

-4,658

13,867

-13,776

-2,770

1,672

6,008

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,641

-2,823

Net Increase in Cash and Cash Equivalents

19,799

-

-

-

18,494

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net Increase in Cash and Cash Equivalents

-

-

-

-

-

-

-

13,751

-2,035

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,085

-29,843

Net Cash Provided by Financing Activities

-

-

-

-

-

-

-

-

-

-

-

22,829

3,903

-7,105

10,543

715

-1,706

1,588

267

-9,005

-2

-6,277

9,974

2,669

-

-

-

-

Net (Decrease) Increase in Cash and Cash Equivalents

-

-

-

-

-

-

-

-

-

-

-

7,478

2,236

-7,641

11,408

-4,489

-1,296

2,496

3,605

-8,588

8,256

-7,724

5,844

-260

-

-

-

-

Supplementary Cash Flows Information:
Interest paid

2,263

2,373

2,447

2,432

2,154

1,973

1,888

1,754

1,678

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Income taxes paid

163

862

692

1,096

273

400

736

422

36

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest paid

-

-

-

-

-

-

-

-

-

-

-

1,182

849

882

802

924

976

907

984

998

1,099

1,075

1,100

1,130

1,171

1,213

1,241

1,350

Income taxes paid

-

-

-

-

-

-

-

-

-

-

-

468

53

168

-124

426

261

270

100

286

333

343

31

243

321

904

100

200

Foreclosed real estate acquired in settlement of loans

85

-

-

-

45

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Investment securities purchased not settled

477

-

-

648

496

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans transferred to foreclosed real estate

85

-

-

-

45

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Right-of-use asset

-

-2,291

0

0

-1,132

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Lease liability

-

2,291

0

0

1,158

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Prepaid lease payments

-

0

0

0

-26

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Foreclosed real estate acquired in settlement of loans

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

240

903

83

-40

251

41

579

283

0

74

56

Issuance of common stock from stock subscription payable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

28,759

Issuance of common stock from customer deposit accounts

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

1,201

Issuance of common stock for ESOP plan

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

1,782

Securities purchased not settled

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,007

703

-

-

-

993