Two River Bancorp TRCB Cash Flow

Two river bancorp (TRCB)

CashFlow / TTM

Sep'19	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
10,992	11,711	11,313	11,206	8,495	7,898	7,376	6,502	8,734	9,141	8,740	8,631	7,815	6,863	6,597	6,347	6,055	6,051	6,010	6,017	5,972	5,664	5,449	5,159	4,985	4,839	4,820	4,815	4,777	4,648	4,540	4,308	0	0	0
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization
712	676	673	691	657	717	742	765	782	763	769	780	792	805	816	798	752	702	645	596	575	544	613	711	762	795	746	680	633	652	674	703	0	0	0
Provision for loan losses
650	675	800	775	1,450	1,555	1,705	1,530	510	725	740	515	950	600	400	490	500	380	428	621	721	971	1,013	910	1,140	1,220	1,210	1,380	1,300	1,700	2,030	2,205	0	0	0
Intangible amortization
-	-	-	-	-	-	-	-	-	-	-	9	19	29	38	48	57	66	77	86	96	106	115	125	134	144	153	163	173	181	191	201	0	0	0
Amortization of subordinated debt issuance costs
37	37	36	35	35	34	33	33	32	32	32	31	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net amortization of securities premiums and discounts
-616	-679	-742	-776	-788	-792	-796	-828	-833	-799	-777	-714	-695	-688	-618	-557	-451	-333	-270	-222	-203	-208	-226	-259	-283	-298	-429	-284	-141	-24	209	178	0	0	0
Earnings from investment in bank owned life insurance
0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings from investment in bank owned life insurance
-	-	-	-	-	-	-	544	551	532	504	477	0	0	0	-	-	-	-	-	-	-	-	432	423	435	446	459	441	420	397	372	0	0	0
Proceeds from sale of mortgage loans held for sale
66,491	59,819	54,773	55,581	53,474	61,789	68,212	72,190	73,863	72,745	65,907	62,059	58,263	52,313	45,062	41,393	32,799	23,932	17,960	10,552	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Origination of mortgage loans held for sale
65,235	58,435	53,514	54,658	53,261	59,136	68,098	69,480	70,731	71,673	65,525	60,882	58,003	52,361	41,669	42,091	33,140	25,434	20,071	11,963	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Gain on sale of mortgage loans held for sale
1,152	1,027	921	919	930	1,067	1,185	1,278	1,315	1,259	1,145	1,059	912	842	718	650	509	342	261	178	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Gain on sale of loans transferred from held for investment to held for sale
59	59	137	200	200	200	186	177	177	177	91	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net realized gain on sale of OREO
-	-	-	-	-	-	-	-	-	-	-	-45	0	0	0	-	-	-	-	176	0	0	0	-	-	-	-	-197	-130	-49	358	381	0	0	0
Impairment on OREO and repossessed assets
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-408	-381	-381	-812	-360	0	0	0	-	-	-	-
Stock-based compensation expense
407	372	335	317	299	275	275	279	271	295	260	231	194	158	172	186	201	188	176	167	162	167	151	154	159	165	185	175	169	162	153	154	0	0	0
Net realized gain on sale of securities available for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	37	0	0	0	-	-	-	-	218	0	0	0	-	-	-	0	-	-	-	-
Net realized gain on sale of securities held to maturity
-	-	-	-	-	-	-	-	-	-	-	72	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Death benefit on bank owned life insurance
17	17	17	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sale of SBA loans held for sale
5,470	6,193	5,271	3,364	3,660	6,426	7,748	9,744	10,951	8,222	10,327	7,860	9,396	8,589	6,170	6,980	3,806	4,367	4,250	4,590	4,449	3,598	2,321	1,185	1,185	955	2,942	1,987	0	0	0	-	-	-	-
Origination of SBA loans held for sale
4,816	4,291	4,199	1,086	2,166	2,504	3,482	8,168	10,179	11,052	12,436	8,597	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gain from sale of SBA loans held for sale
654	815	1,072	1,197	1,156	1,259	1,266	1,052	1,110	920	891	868	827	743	479	561	323	397	414	398	384	302	184	109	109	85	272	187	0	0	0	-	-	-	-
Unrealized (gain) loss on equity securities
110	72	18	-53	-77	-58	-40	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net non-cash operating lease right-of-use assets and lease liabilities
0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Decrease (increase) in assets:
Accrued interest receivable
-422	222	301	29	669	370	402	320	385	301	209	322	161	358	227	276	169	81	-65	-124	-164	-340	-66	-124	-221	-1	-142	-44	176	104	-18	17	0	0	0
Other assets
64	686	777	1,111	884	481	72	205	-156	-151	-87	-164	565	377	542	-413	85	205	-190	473	-1,433	-1,227	-2,065	-1,912	-1,462	-1,247	572	111	225	-546	-1,091	-588	0	0	0
Increase (decrease) in liabilities:
Accrued interest payable
-16	16	84	49	-17	-16	-29	-30	25	10	13	-18	40	-2	-20	72	-6	23	73	-20	-59	3	-20	-4	49	-8	-9	-37	-18	-37	-25	14	0	0	0
Other liabilities
677	814	1,207	1,831	1,062	1,178	142	1,034	1,489	1,025	2,972	1,487	1,336	1,025	1,322	733	637	838	237	713	869	537	57	9	573	477	1,212	1,197	353	473	-279	-51	0	0	0
Net Cash Provided by Operating Activities
13,838	14,366	13,458	14,524	11,507	16,235	12,915	12,755	0	0	0	-	-	-	-	6,710	11,590	13,436	11,599	10,385	8,216	8,929	8,851	9,114	8,711	8,170	7,379	7,766	6,725	7,685	7,409	7,002	0	0	0
Net Cash Provided by Operating Activities
-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of securities available for sale
-	-	1,249	-	-	-	5,496	2,500	5,781	5,781	5,781	8,038	2,257	3,257	21,464	20,707	27,207	33,966	15,759	17,252	10,752	5,532	12,151	15,463	24,063	25,026	24,185	17,880	14,858	23,614	24,462	30,212	0	0	0
Purchase of securities held to maturity
0	3,077	4,437	5,035	17,198	16,782	16,056	15,458	19,298	16,717	21,822	25,213	14,786	21,172	27,210	25,297	26,045	21,671	11,214	11,247	12,502	16,822	18,169	16,908	17,043	11,841	12,343	12,093	7,081	6,511	5,055	5,993	0	0	0
Proceeds from repayments, calls and maturities of securities available for sale
5,504	5,703	7,978	8,107	8,316	6,994	4,968	5,599	6,614	6,821	7,101	6,781	6,383	7,156	7,421	7,916	7,762	6,871	8,026	7,561	7,566	8,317	7,725	7,653	8,756	11,999	10,757	11,575	12,839	9,205	14,289	14,096	0	0	0
Proceeds from repayments, calls and maturities of securities held to maturity
17,203	16,794	15,964	15,130	16,199	14,128	14,856	14,847	8,137	7,780	9,460	9,155	9,934	8,985	6,482	7,184	9,938	11,044	11,074	14,579	12,945	12,708	12,698	9,783	5,337	5,344	4,350	3,589	2,023	1,214	1,169	3,706	0	0	0
Proceeds from sales of securities available for sale
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	24,306	28,556	33,029	11,327	9,827	11,449	5,975	5,872	11,753	0	0	0	-	-	-	0	-	-	-	-
Proceeds from sales of securities held to maturity
-	-	-	-	-	-	-	-	-	-	-	1,076	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sale of loans transferred from held for investment to held for sale
3,079	3,079	6,923	10,030	10,030	10,030	8,799	8,357	8,357	8,357	4,638	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in loans
65,035	69,325	83,717	80,887	95,515	105,598	118,563	106,389	70,015	76,864	62,969	59,605	78,325	54,852	68,052	71,261	67,201	66,060	52,759	30,364	34,641	39,888	19,161	35,654	34,406	31,953	45,214	44,348	42,506	33,387	19,887	21,667	0	0	0
Purchases of premises and equipment
1,359	1,047	689	369	1,318	1,636	1,572	2,342	1,297	1,097	1,196	359	423	336	617	902	1,371	1,902	2,056	2,060	2,928	2,381	1,864	1,700	1,340	1,316	1,390	1,283	270	312	215	254	0	0	0
Purchase of restricted investments, net
-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-
Improvements on OREO
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	207	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of restricted investments, net
-	-	-	652	475	619	611	625	560	1,374	1,229	1,209	1,408	290	188	567	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Improvements on OREO
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-66	0	0	0	-	-	-	-
Purchase of bank owned life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	113	452	456	460	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from death benefit of bank owned life insurance
181	181	181	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from sale of OREO
-	-	-	-	-	-	-	-	-	-	-	107	0	0	0	-	-	-	-	2,501	0	0	0	-	-	-	-	6,047	4,273	5,518	3,136	2,852	0	0	0
Net Cash Used In Investing Activities
-41,507	-48,539	-59,466	-57,921	-86,706	-100,012	-113,459	-98,295	0	0	0	-	-	-	-	-71,309	0	0	0	-	-	-	-	-41,341	-53,277	-41,293	-51,706	-50,327	-48,745	-47,103	-30,229	-36,615	0	0	0
Net Cash Used In Investing Activities
-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash Flows From Financing Activities
Net cash (used in) provided by investing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in deposits
57,552	91,713	88,751	55,797	83,873	70,154	71,199	84,990	82,625	84,461	72,601	68,131	48,582	39,869	71,779	66,046	62,900	59,749	27,466	8,941	2,028	21,900	24,118	26,679	48,066	32,846	42,896	52,858	33,574	10,948	24,177	29,441	0	0	0
Net decrease in securities sold under agreements to repurchase
-7,069	-5,716	-3,287	-7,718	-423	-5,945	-2,965	7,205	3,931	4,140	1,305	370	-2,658	-6,233	-638	-3,745	-6,259	8,755	1,990	4,850	9,009	-247	-1,784	1,730	-313	475	1,884	492	1,315	2,560	1,205	1,361	0	0	0
Proceeds from FHLB and other borrowings
20,000	20,000	20,000	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Repayment of FHLB and other borrowings
24,800	23,800	23,800	3,300	10,800	12,300	12,300	12,000	12,500	12,500	12,500	14,200	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from long-term debt
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash dividends paid - preferred stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	57	72	87	102	117	120	150	225	325	425	396	441	448	444	504	467	442	0	0	0
Cash dividends paid – common stock
2,172	2,027	1,804	1,710	1,619	1,526	1,478	1,415	1,352	1,292	1,234	1,193	1,153	1,112	1,072	1,032	990	951	951	873	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds from employee stock purchase plan
68	65	62	63	64	66	69	67	68	62	57	56	56	56	58	56	54	53	51	50	49	47	45	44	42	43	45	46	0	0	0	-	-	-	-
Proceeds from exercise of stock options
636	429	430	423	355	353	394	276	281	192	105	104	99	122	129	113	103	94	134	112	189	222	255	395	318	311	230	124	168	199	273	267	0	0	0
Common stock repurchased
-	-	-	-	-	-	-	-	-	-	-	148	148	259	259	497	497	372	579	1,197	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Tax benefit related to stock compensation
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7	7	6	7	7	13	54	61	61	0	0	0	-	-	-	-	-	-	-	-
Net Cash Provided by Financing Activities
-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Tax benefit of stock options exercised
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	38	41	0	0	0
Net Cash Provided by Financing Activities
43,476	79,931	80,101	43,304	76,509	63,361	67,478	91,682	0	0	0	-	-	-	-	75,216	59,746	71,747	32,516	4,273	11,146	23,489	24,410	31,546	47,393	33,126	44,627	53,085	34,221	15,784	27,761	33,192	0	0	0
Net Increase (Decrease) in Cash and Cash Equivalents
0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net (Decrease) Increase in Cash and Cash Equivalents
-	-	-	-	-	-	-	6,142	19,358	13,370	7,521	-4,650	-15,953	-18,044	6,926	10,617	-1,118	10,442	-7,897	-11,755	-2,262	-1,751	9,105	-681	2,827	3	300	10,524	-7,799	-23,634	4,941	3,579	0	0	0
Supplementary cash flow information:
Interest paid
0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest paid
-	-	-	-	-	-	-	5,737	5,513	5,428	5,304	5,182	4,767	4,474	4,189	3,791	3,714	3,563	3,412	3,472	3,492	3,561	3,660	3,803	4,018	4,219	4,435	4,655	4,799	4,994	5,173	5,224	0	0	0
Income taxes paid
4,566	4,951	4,851	4,854	4,899	4,696	5,221	5,217	4,915	4,688	3,024	4,338	4,436	4,392	4,356	3,289	3,283	3,295	3,165	3,365	2,970	2,865	3,820	3,720	3,600	3,835	3,520	3,270	3,390	2,743	3,202	3,302	0	0	0
Supplemental schedule of non-cash activities:
Other real estate acquired in settlement of loans
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	525	0	0	0	-	-	-	-
Transfer of loans held for investment to loans held for sale
3,020	3,020	6,736	9,800	9,820	9,820	8,653	8,200	8,180	8,180	4,547	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-