Spirit of texas bancshares, inc. (STXB)
CashFlow / TTM
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17
Cash Flows From Operating Activities:
Net income

21,400

21,136

17,480

14,921

11,775

9,978

0

0

0

-

-

-

-

Net income

-

-

-

-

-

-

-

-

-

-

-

-

0

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

3,178

2,856

2,781

2,367

2,670

2,160

2,131

2,249

2,264

2,475

0

0

0

Depreciation and amortization

0

-

-

-

0

-

-

-

-

-

-

-

-

Depreciation and amortization

-

-

-

-

-

-

0

0

1,763

-

0

0

0

Net amortization (accretion) of premium (discount) on investment securities

-269

-400

-366

-324

-243

-306

0

0

0

-

-

-

-

Amortization of core deposit intangible

0

-

-

-

0

-

-

-

-

-

-

-

-

Amortization of intangible assets

-

-

-

-

-

-

-

703

703

703

0

0

0

Accretion of discount on retained SBA loans

824

941

1,556

1,558

1,462

1,287

399

1,117

1,037

946

0

0

0

Deferred tax expense

2,007

1,730

3,848

1,317

1,778

1,065

615

333

197

-50

0

0

0

Originations of loans held for sale

44,652

47,725

57,153

60,116

63,936

69,424

66,942

67,369

71,335

71,185

0

0

0

Proceeds from loans held for sale

47,061

51,885

64,652

70,135

66,656

74,453

69,986

68,145

78,243

77,169

0

0

0

Net gains on sale of loans held for sale

3,674

4,014

4,575

4,793

4,450

5,120

4,858

4,881

6,128

5,684

0

0

0

Gain on sale of investment securities

-

4,582

0

0

0

-

-

-

-

-

-

-

-

Gain on sale of other real estate owned

-

48

80

35

3

-21

0

0

0

-

0

0

0

Fair value adjustment on SBA servicing asset

1,534

1,545

1,227

1,277

1,016

831

1,246

1,298

1,308

1,211

0

0

0

Stock-based compensation

925

665

618

615

637

672

665

685

713

1,520

0

0

0

Increase in cash surrender value of BOLI

354

306

232

144

59

19

0

0

0

-

-

-

-

Net change in operating assets and liabilities:
Net change in accrued interest receivable

-14

-35

-12

1,228

426

2

778

487

759

981

0

0

0

Net change in accrued interest payable

28

103

-5

171

121

103

118

75

62

143

0

0

0

Net change in other assets

-678

-520

-217

-434

-1,556

-167

-694

-2,394

632

-584

0

0

0

Net change in other liabilities

-1,079

-1,890

-4,135

-3,611

-4,926

-2,893

2,368

-1,197

3,524

2,098

0

0

0

Net cash provided by operating activities

30,713

28,234

27,314

22,692

13,756

14,095

15,774

10,284

15,872

13,852

0

0

0

Cash Flows From Investing Activities:
Sales of investment securities available for sale

-

171,260

0

0

0

-

-

-

-

-

-

-

-

Paydown and maturities of investment securities available for sale

33,356

35,501

28,355

26,277

10,818

6,975

3,840

3,884

2,992

2,305

0

0

0

Purchase of FHLB and other bank stock

0

-

-

-

0

-

-

-

-

-

-

-

-

Sale of FHLB and other bank stock

0

-

-

-

-

-

-

-

-

-

-

-

-

Net sale (purchase) of FHLB and other bank stock

-

-

-

-

-

-

-

59

46

69

0

0

0

Proceeds from the sale of loans held for investment

0

-

-

-

-

-

-

-

-

-

-

-

-

Net change in loans

0

-

-

-

0

-

-

-

-

-

-

-

-

Net change in loans

-

-

-

-

-

-

-

0

95,973

-

0

0

0

Proceeds from the sale of other real estate owned

-

1,445

1,158

923

375

57

-3

321

476

474

0

0

0

Purchase of premises and equipment

7,640

7,229

8,671

7,140

6,959

6,617

11,811

14,875

15,156

14,164

0

0

0

Net cash paid in business combination

0

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from the sale of premises and equipment

-

-

-

-

-

-

-

-

-

502

0

0

0

Net cash provided by (used in) investing activities

-32,135

108,499

24,337

57,472

-27,584

-66,760

-102,065

-97,493

-150,863

-153,120

0

0

0

Cash Flows From Financing Activities:
Net change in deposits

64,210

75,306

15,763

28,489

64,511

49,502

29,467

8,479

3,239

20,930

0

0

0

Redemption of trust preferred securities

-

77

0

0

0

-

-

-

-

-

-

-

-

Proceeds from long-term borrowings

34,730

25,598

0

0

0

-

-

-

-

-

-

-

-

Repayment of long-term borrowings

48,914

41,318

40,796

14,676

17,181

14,331

15,276

15,877

8,847

8,782

0

0

0

Proceeds from short-term borrowings

0

-

-

-

-

32,500

15,000

20,000

18,750

15,000

0

0

0

Repayment of short-term borrowings

-

12,500

32,500

37,500

42,500

35,000

0

0

0

-

-

-

-

Net change in secured borrowings

0

-

-

-

0

-

-

-

-

-

-

-

-

Purchase of treasury stock

0

-

-

-

-

-

-

-

-

-

-

-

-

Exercise of stock options and warrants

1,264

1,966

3,003

3,005

2,820

3,902

0

0

0

-

-

-

-

Exercise of stock options

-

-

-

-

-

-

-

-

-

-

-

-

0

Net cash provided by financing activities

106,413

100,209

55,754

30,008

84,195

83,731

67,247

61,713

28,148

44,985

0

0

0

Net Change in Cash and Cash Equivalents

104,991

236,942

107,405

110,172

70,367

31,066

-19,044

-25,496

-106,843

-94,283

0

0

0

Supplemental Disclosures of Cash Flow Information:
Interest paid

18,454

16,853

16,448

13,646

11,190

10,030

9,167

8,696

8,562

8,185

0

0

0

Supplemental disclosure of noncash investing and financing activities:
Transfer of loans to other real estate owned and repossessed assets

3,991

3,964

603

532

589

806

323

311

470

472

0

0

0

Fair value of assets acquired in business combination, excluding cash

0

-

-

-

-

-

-

-

-

-

-

-

-

Goodwill recorded

0

-

-

-

-

-

-

-

-

-

-

-

-

Liabilities assumed in business combination

0

-

-

-

-

-

-

-

-

-

-

-

-