Standard avb financial corp. (STND)
CashFlow / TTM
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

7,747

8,806

8,498

8,413

8,810

8,801

8,475

8,031

5,922

4,325

3,443

0

0

0

0

0

2,882

2,776

2,818

2,879

2,956

0

0

0

-

-

-

-

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

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net income

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Depreciation and amortization

-

-

-

-

-

-

-

1,291

1,036

929

737

0

0

0

0

0

875

829

840

814

827

1,213

1,092

983

834

0

0

0

Provision for loan losses

1,167

725

0

0

0

-

-

-

-

517

307

0

0

0

0

0

375

675

975

1,125

1,200

1,325

1,450

1,575

1,625

0

0

0

Amortization of core deposit intangible

579

627

675

724

772

836

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Net loss on sale of securities available for sale

-

-1

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net amortization of premium/discount on securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Net loss on securities available for sale

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

79

42

14

3

56

0

0

0

-

-

-

-

Net gain on sale of equity securities

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net equity securities fair value adjustment losses (gains)

471

-230

316

654

507

484

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net gain on securities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Origination of loans held for sale

17,772

13,981

10,429

6,852

6,216

5,552

6,760

6,581

8,995

8,063

7,711

0

0

0

0

0

7,358

8,194

9,637

9,201

7,779

6,076

3,693

3,036

4,204

0

0

0

Proceeds from sale of loans held for sale

17,902

13,784

10,613

6,978

6,317

5,623

6,854

7,535

9,192

8,260

8,132

0

0

0

0

0

8,468

8,889

9,972

8,952

7,179

5,914

3,339

2,974

4,640

0

0

0

Net loan sale gains and referral fees

338

273

184

126

101

71

93

110

197

197

188

0

0

0

0

0

205

276

317

281

205

133

57

38

75

0

0

0

Compensation expense on ESOP

402

410

416

430

439

440

436

429

417

403

384

0

0

0

0

0

268

258

250

238

229

223

219

220

216

0

0

0

Compensation expense on stock awards

95

81

0

0

0

-

-

-

-

529

569

0

0

0

0

0

452

0

0

0

-

-

-

-

-

-

-

-

Stock contribution to Charitable Foundation

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,176

0

0

0

Deferred income taxes

918

80

156

993

180

288

-916

-1,803

-1,625

-646

58

0

0

0

0

0

-241

-3

-39

-175

-176

-200

-200

55

623

0

0

0

Increase in accrued interest receivable

-168

-29

36

344

277

166

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Increase in accrued interest receivable

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

-283

-89

-218

-229

128

512

155

220

-23

0

0

0

Decrease in prepaid Federal deposit insurance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

584

647

256

254

262

254

262

295

328

0

0

0

Earnings on bank-owned life insurance

544

537

536

534

533

533

534

540

520

510

498

0

0

0

0

0

496

468

435

409

396

400

401

398

395

0

0

0

(Decrease) increase in accrued interest payable

-209

-144

-29

67

217

161

100

-504

150

187

181

0

0

0

0

0

256

-226

-246

-174

-283

-133

-251

-456

-165

0

0

0

(Decrease) increase in other accrued expenses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Increase in accrued income taxes payable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Other, net

-530

-3,250

-3,327

-822

-2,449

-1,350

-2,086

57

-1,274

-1,144

-200

0

0

0

0

0

21

-19

-72

-47

-158

0

0

0

-

-

-

-

Net Cash Provided by Operating Activities

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

5,959

5,215

4,656

4,375

4,471

0

0

0

-

-

-

-

Other, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Net Cash Provided by Operating Activities

11,250

14,379

14,987

14,592

14,061

12,633

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Cash Flows Used In Investing Activities
Net decrease in loans

-13,547

-15,230

386

3,721

-13,864

-14,077

-18,634

2,276

44,004

54,638

58,179

0

0

0

0

0

4,152

-368

-6,874

1,283

8,031

4,935

3,350

2,961

1,085

0

0

0

Purchases of investment securities

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchases of investment securities

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchases of equity securities

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchases of investment and equity securities

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

15,309

16,299

23,479

20,124

25,935

37,073

40,776

43,041

43,214

0

0

0

Purchases of mortgage-backed securities

0

-

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

9,510

9,510

9,518

8,948

27,977

0

0

0

Proceeds from maturities of certificates of deposits

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from maturities/principal repayments/calls of investment securities

0

-

0

0

0

-

833

5,173

6,995

8,920

9,150

0

0

0

0

0

12,228

13,895

15,148

16,900

19,642

22,969

30,502

35,994

35,656

0

0

0

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

23,330

20,252

17,137

15,085

13,192

12,046

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sales of investment securities

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

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

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

12,074

12,622

13,092

12,573

12,194

10,619

9,012

8,645

7,850

0

0

0

Proceeds from sales of investment securities

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

265

208

126

87

6,142

6,300

6,300

6,781

694

0

0

0

Proceeds from sales of equity securities

-

-

-

-

-

1,900

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of Federal Home Loan Bank stock

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

760

0

0

0

-

-

-

-

-

-

-

-

Purchase of Federal Home Loan Bank stock

3,224

3,137

3,282

2,381

2,358

3,532

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Redemption of Federal Home Loan Bank stock

2,537

3,551

3,674

3,322

4,388

5,173

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sales of foreclosed real estate

-

-

-

-

-

-

-

-

-

181

203

0

0

0

0

0

1,160

0

0

0

-

-

-

-

-

-

-

-

Redemption of Federal Home Loan Bank stock

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

-686

-384

-273

-338

-406

-426

-605

-609

-637

0

0

0

Purchase of bank-owned life insurance

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,000

0

0

0

-

-

-

-

-

-

-

-

Net additions of office properties and equipment

596

734

627

555

484

374

307

965

1,246

1,206

1,281

0

0

0

0

0

86

96

135

123

282

344

290

521

452

0

0

0

Net Cash Used in Investing Activities

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

-886

7,706

5,910

-1,277

-4,719

0

0

0

-

-

-

-

Net Cash Provided (Used) by Investing Activities

16,919

5,417

-14,927

-18,174

7,417

-3,825

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

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

-2,694

18,115

6,782

-107

15,991

-11,725

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

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

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

3,362

6,929

534

1,419

6,031

-1,661

983

-1,663

-3,369

0

0

0

Net (decrease) increase in time deposit accounts

-11,192

-1,583

4,817

17,601

35,344

34,753

25,722

12,510

-1,124

3,965

6,988

0

0

0

0

0

-7,536

-7,077

-6,290

-1,780

3,946

13,028

16,463

13,927

8,675

0

0

0

Net increase in securities sold under agreements to repurchase

22

1,603

-1,181

-759

-571

-2,103

-1,842

1,849

2,034

1,898

3,984

0

0

0

0

0

962

2,334

21

1,112

335

-2,235

-2,030

-908

-547

0

0

0

Stock proceeds less conversion expenses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Purchase of ESOP shares

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,168

0

0

0

Net repayments of Federal Home Loan Bank short-term borrowings

-

109,517

108,720

81,720

85,515

165,491

229,554

367,591

320,670

239,737

176,861

0

0

0

0

0

12,925

10,425

12,425

11,293

9,673

13,308

17,700

17,890

17,037

0

0

0

Proceeds from Federal Home Loan Bank short-term borrowing

-

-

-

-

-

142,994

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repayments of Federal Home Loan Bank advances

37,816

34,165

36,397

36,617

37,212

35,689

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from Federal Home Loan Bank advances

0

-

-

-

-

33,000

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Lease liabilities payments

394

407

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Repayments of Federal Home Loan Bank advances

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from Federal Home Loan Bank advances

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net decrease in advance deposits by borrowers for taxes and insurance

-11

2

26

26

-676

-737

-518

30

671

754

515

0

0

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

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

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-88

-71

48

-51

47

351

304

503

495

0

0

0

Excess tax benefits from stock based compensation

-

-

-

-

-

-

-

-

-

-

469

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Exercise of stock options

310

257

406

644

682

648

545

421

366

311

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Dividends paid

4,048

4,070

3,977

4,029

4,058

4,088

4,154

4,128

4,105

3,312

2,600

0

0

0

0

0

517

543

564

575

609

0

0

0

-

-

-

-

Stock repurchases

5,029

4,012

3,783

1,892

522

428

0

0

0

-

-

-

-

-

-

-

7,104

5,676

5,718

2,144

1,715

0

0

0

-

-

-

-

Net Cash Provided by Financing Activities

-10,644

-3,576

-5,404

-7,337

-1,007

-8,866

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Net Increase in Cash and Cash Equivalents

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net Increase in Cash and Cash Equivalents

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Net Cash Provided by Financing Activities

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

-8,856

-7,152

-15,017

-5,310

6,364

0

0

0

-

-

-

-

Net (Decrease) Increase in Cash and Cash Equivalents

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

-3,783

5,769

-4,451

-2,212

6,116

0

0

0

-

-

-

-

Supplementary Cash Flows Information:
Interest paid

9,515

9,406

9,006

8,447

7,769

7,293

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Income taxes paid

2,813

2,923

2,461

2,505

1,831

1,594

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest paid

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

3,865

3,988

4,156

4,272

4,404

4,476

4,614

4,755

4,975

0

0

0

Income taxes paid

-

-

-

-

-

-

-

-

-

-

-

0

0

0

0

0

917

989

1,062

993

950

938

1,499

1,568

1,525

0

0

0

Foreclosed real estate acquired in settlement of loans

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Investment securities purchased not settled

0

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans transferred to foreclosed real estate

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Right-of-use asset

-

-3,423

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Lease liability

-

3,449

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Prepaid lease payments

-

-26

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Foreclosed real estate acquired in settlement of loans

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,226

1,186

1,197

335

831

1,154

903

936

413

0

0

0

Issuance of common stock from stock subscription payable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

28,759

0

0

0

Issuance of common stock from customer deposit accounts

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,201

0

0

0

Issuance of common stock for ESOP plan

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

Securities purchased not settled

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

0