United community financial corp (UCFC)
CashFlow / TTM
Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11Mar'11
Cash Flows from Operating Activities
Net income

39,198

38,223

37,278

37,178

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net income

-

-

-

-

-

-

-

-

-

-

17,046

-

18,131

17,121

15,916

16,282

14,762

13,519

51,798

50,206

49,637

48,454

9,439

10,027

10,384

-18,224

-21,551

-20,437

-15,105

2,922

1,064

230

0

0

0

Adjustments to reconcile net income to net cash provided by operating activities
Provision (recovery) for loan losses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-1,488

-1,271

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Provision for loan losses

891

440

353

699

1,735

2,205

3,185

4,253

4,531

5,154

4,707

5,387

0

0

0

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

Mortgage banking income

1,913

1,298

1,749

4,992

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Provision for loan losses

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

39,609

21,166

23,146

24,658

0

0

0

Mortgage banking income

-

-

-

-

-

-

-

-

-

0

8,206

-

4,858

3,745

4,909

5,322

3,437

3,825

1,950

1,570

2,450

2,669

3,746

4,777

6,010

7,225

7,563

7,391

6,551

5,123

6,524

5,675

0

0

0

Changes in fair value on loans held for sale

6,020

5,536

3,659

98

-2,654

-1,204

660

3,893

14

-518

-1,821

-1,769

1,888

2,753

1,761

1,519

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net losses on real estate owned and other repossessed assets sold

-143

-133

-213

-260

-282

-310

-215

-189

-160

-87

-132

-93

-210

-329

-368

-445

-483

-567

-507

-800

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net gain on available for sale securities sold

-440

-568

-622

-627

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net gain on trading securities sold and change in fair value

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net losses on real estate owned and other repossessed assets sold

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-4,631

-5,463

-5,902

-6,165

0

0

0

Net gain on available for sale securities sold

-

-

-

-

-

-

-

-

-

0

480

-

735

517

284

142

93

421

452

444

361

33

1,859

2,577

3,742

4,934

6,632

6,325

10,294

11,060

7,734

8,633

0

0

0

Net loss (gain) on other assets sold

-

-

-

-

-

-

-

-

-

-

-

-6

0

0

0

-

-

-

-

-18

0

0

0

-

-

-

-

-

-

-

-

16

0

0

0

Other than temporary impairment of securities available for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Amortization of premiums and accretion of discounts

-6,107

-5,632

-4,712

-4,527

-5,621

-5,349

-4,551

-4,479

-4,535

-4,363

-6,017

-6,686

-10,399

-9,454

-7,621

-5,849

-930

-968

-587

-822

-962

-1,301

-1,878

-2,694

-4,238

-3,463

-2,469

-2,860

-1,042

-293

-711

379

0

0

0

Depreciation and amortization

2,924

2,856

2,797

2,741

2,718

2,744

2,743

2,706

2,604

2,497

2,400

2,315

2,254

2,217

2,168

2,119

2,107

2,050

2,016

1,997

1,949

1,932

1,908

1,871

1,847

1,776

1,689

1,624

1,612

1,635

1,679

1,743

0

0

0

Net change in interest receivable

162

730

1,258

890

1,298

1,034

584

611

508

307

569

922

536

666

575

215

274

6

47

69

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net change in interest receivable

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-1,356

-1,242

-1,062

-979

0

0

0

Net change in interest payable

-430

414

129

182

456

573

1,060

882

534

222

123

92

-116

-128

-109

-132

-147

-346

-366

-365

-212

-24

-12

-13

-36

-6

-91

-47

-165

-235

-217

-199

0

0

0

Increase in cash surrender value of bank-owned life insurance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

Net change in prepaid and other assets

38

4,242

5,083

-3,289

7,535

6,795

3,934

982

756

3,260

2,020

5,603

7,436

1,360

215

572

-4,460

-1,114

-1,194

-3,015

-927

-1,842

-713

-919

-2,013

-3,945

-3,588

104

-2,502

-6,264

-6,496

-9,556

0

0

0

Net change in other liabilities

11,773

17,489

9,494

1,590

1,561

1,257

2,726

3,476

5,445

7,113

3,188

4,059

1,252

-2,058

-2,179

-1,529

-858

-1,431

1,238

-1,098

300

-4,432

-1,128

-1,060

-2,428

1,013

-1,113

-63

4,506

5,048

839

2,004

0

0

0

Stock based compensation

564

665

757

863

1,020

998

935

952

952

968

1,033

979

936

903

851

780

0

0

0

-

-

-

-

-

-

-

0

-

767

857

820

591

0

0

0

Stock based compensation

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net principal disbursed on loans originated for sale

345,614

301,994

310,402

316,794

325,771

321,208

288,708

270,080

265,608

274,380

284,346

285,577

264,871

227,180

210,570

215,026

208,784

204,077

184,601

155,577

149,903

153,811

180,611

226,921

278,725

305,848

315,450

317,266

304,339

278,247

224,247

186,020

0

0

0

Proceeds from sale of loans held for sale

331,825

315,898

314,332

311,193

317,461

302,455

316,714

280,956

273,268

264,285

248,707

262,586

247,036

221,821

210,024

204,845

185,038

182,504

160,099

141,255

144,680

156,523

189,395

239,891

290,917

314,285

332,636

324,353

333,482

282,447

216,762

192,189

0

0

0

Cash used in payment of operating leases

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net change in right of use asset

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net change in deferred tax assets

1,961

1,449

-1,651

-3,396

-12,398

-16,601

-11,558

-11,011

-4,183

-2,205

-7,863

-7,843

-7,482

-7,187

-4,988

-7,316

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net change in cash surrender value of life insurance

1,611

1,648

1,683

1,732

1,739

1,726

1,684

1,627

1,576

1,532

1,507

1,495

1,747

1,778

1,753

1,720

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Cash surrender value of life insurance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net change in interest rate caps

-

-

-

-

-

-

-

-

-

-

-

-3

-5

-25

-126

-177

-263

-189

-293

-366

-631

-663

-25

110

389

46

-1,202

-1,497

0

0

0

-

-

-

-

Net cash from operating activities

-

-

-

-

-

-

-

-

-

-

-3,805

-

10,303

22,986

24,158

13,750

-1,927

-6,947

-8,724

-2,762

4,905

10,051

19,769

26,036

0

0

0

-

-

-

-

-

-

-

-

Net cash from operating activities

34,414

64,337

48,104

42,306

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

50,883

29,272

15,572

32,735

0

0

0

Proceeds from the principal repayments and maturities of securities available for sale

15,139

10,675

10,230

10,853

10,685

11,394

11,197

21,969

24,249

26,199

32,129

26,981

26,476

30,955

31,800

31,066

34,171

32,639

29,852

27,878

26,398

27,781

34,379

47,262

59,357

67,982

72,494

74,423

91,508

84,927

72,034

62,422

0

0

0

Proceeds from the principal repayments and maturities of securities held to maturity

7,633

10,129

8,418

8,896

9,459

9,856

13,416

14,160

17,136

18,387

15,919

15,781

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from the sale of securities available for sale

89,071

83,940

48,491

36,007

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from the sale of securities available for sale

-

-

-

-

-

-

-

-

0

0

20,596

-

45,176

40,004

29,608

16,627

14,278

14,706

19,744

14,595

45,810

45,382

109,559

137,467

153,201

210,674

340,806

343,000

513,466

541,921

395,300

428,396

0

0

0

Proceeds from the sale of real estate owned and other repossessed assets

1,053

1,265

1,442

1,217

1,190

1,212

914

1,419

1,388

1,139

1,334

1,828

2,325

2,609

2,979

2,559

3,219

3,355

3,316

4,056

5,893

7,436

10,378

11,778

11,088

13,262

14,075

16,291

0

0

0

-

-

-

-

Proceeds from the sale of loans held for investment

0

0

0

-

-

-

-

2,250

2,250

2,250

2,250

1

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from redemption of FHLB stock

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchases of trading securities

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Real estate owned and other repossessed assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

Proceeds from the sale of premises and equipment

-

-

-

-

-

-

-

-

-

-

-

2

0

0

0

-

-

-

-

30

0

0

0

-

-

-

-

-

-

-

-

16

0

0

0

Loans held for investment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

0

0

0

-

-

-

-

Purchases of available for sale securities

0

0

0

-

-

-

-

-

-

-

-

48,985

0

0

0

-

-

-

-

-

-

-

-

170,876

247,773

438,222

480,371

527,713

730,585

651,819

671,522

573,685

0

0

0

Purchases of premises and equipment

2,625

3,306

2,978

2,542

1,975

1,904

2,280

2,558

2,927

3,098

2,760

2,575

2,248

2,198

2,072

1,895

2,619

2,336

2,183

2,091

1,153

1,145

1,124

1,223

1,466

2,031

2,271

2,279

1,803

1,080

734

558

0

0

0

Principal disbursed on loans, net of repayments

-

0

114,827

-

-

189,106

210,899

217,570

199,309

197,520

180,110

156,475

164,574

154,867

175,681

157,982

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Principal disbursed on loans, net of repayments

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net (increase) decrease in loans

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

Principal disbursed on loans, net of repayments

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-207,263

-194,188

-139,079

-108,711

0

0

0

Loans purchased

55,809

43,892

41,450

35,629

34,772

44,840

46,909

53,633

56,458

55,657

50,819

44,311

38,788

25,802

22,531

15,154

0

0

0

-

-

-

-

50

103

194

325

342

1,372

2,354

3,014

4,285

0

0

0

Net cash received in acquisition of financial institution

-

-

-

-

-

-

-

25,780

0

0

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Redemption of FHLB stock

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net cash from investing activities

-

-

-

-

-

-

-

-

-

-

-166,306

-

-171,195

-157,004

-178,129

-148,300

-127,566

-103,822

-56,892

-66,376

-52,018

-32,076

22,724

40,052

0

0

0

-

-

-

-

-

-

-

-

Net cash from investing activities

-77,346

-109,558

-126,517

-151,588

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

80,937

113,807

-35,624

52,727

0

0

0

Cash Flows from Financing Activities
Net increase in checking, savings and money market accounts

-

-

-

-

-

-

-

46,744

37,970

48,940

68,392

45,782

62,780

42,662

49,149

68,247

63,337

58,983

47,448

13,055

0

0

0

-

-

-

-

85,694

0

0

0

-

0

0

0

Net change in checking, savings and money market accounts

0

0

0

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

Net change in certificates of deposit

-429,124

27,676

134,453

202,743

341,905

163,106

125,318

128,946

161,599

123,169

103,985

33,466

-221

-26,163

10,721

19,660

770

4,790

-38,782

-56,971

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Net change in advance payments by borrowers for taxes and insurance

6,953

6,082

1,098

2,154

446

-2,736

1,360

693

757

1,857

304

2,638

398

4,514

1,718

1,270

0

0

0

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

Net decrease in certificates of deposit

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-170,844

-159,460

-153,554

-69,316

0

0

0

Net decrease in advance payments by borrowers for taxes and insurance

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-308

0

0

0

-

0

0

0

Net change in short-term FHLB advances

-376,000

15,000

41,000

65,000

234,000

32,000

46,000

58,500

101,500

39,500

-23,500

-111,000

-142,000

-150,500

-138,000

-92,000

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from Federal Home Loan Bank advances

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

630,551

664,000

541,000

0

0

0

Repayment of Federal Home Loan Bank term advances, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

676,212

600,838

615,663

0

0

0

Net change in repurchase agreements and other borrowed funds

-238

-45

21

27

-9,953

-7,854

-6,606

-11,086

-1,097

-3,249

-4,461

-23

0

0

0

-

-

-

-

-

-

-

-21

-20

-20

-20

-20

-20

0

0

0

-

-

-

-

Repayments of repurchase agreements and other borrowed funds

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from the exercise of stock options

167

159

110

269

295

437

507

279

271

461

507

517

464

132

23

28

25

35

180

172

173

180

158

155

0

0

0

-

-

-

-

-

-

-

-

Dividends paid

14,186

13,833

13,411

12,968

11,468

9,964

8,460

6,960

6,366

5,771

5,467

5,172

4,966

4,766

4,070

3,369

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of treasury stock

18,563

18,564

11,002

7,866

625

689

755

717

730

1,080

7,447

9,596

10,272

10,634

12,642

10,333

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Issuance of preferred stock, net of issuance costs

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

21,841

0

0

0

-

-

-

-

-

-

-

-

Issuance of common stock, net of issuance costs

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

20,501

0

0

0

-

-

-

-

-

-

-

-

Net cash from financing activities

-

-

-

-

-

-

-

-

-

-

179,313

-

160,160

126,222

152,876

137,480

144,583

116,162

45,046

24,787

-9,427

-44,641

-58,342

-31,370

0

0

0

-

-

-

-

-

-

-

-

Net change in repurchase agreements and other borrowed funds

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

Net cash from financing activities

53,536

32,806

108,869

123,387

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-123,448

-100,055

26,292

-68,433

0

0

0

Change in cash and cash equivalents

-

0

30,456

-

-

14,963

-3,031

993

-5,938

10,827

9,202

9,977

-732

-7,796

-1,095

2,930

15,090

5,393

-20,570

-44,351

-56,540

-66,666

-15,849

34,718

28,600

11,734

33,166

-11,523

8,372

43,024

6,240

17,029

0

0

0