Unity bancorp inc /nj/ (UNTY)
CashFlow / TTM
Mar'20Dec'19Sep'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
OPERATING ACTIVITIES:
Net income

23,281

23,653

23,335

22,866

22,430

21,919

18,617

16,884

14,930

12,893

13,553

12,816

12,196

13,209

12,688

12,219

11,823

9,557

8,619

7,954

7,054

6,408

5,974

5,390

5,208

5,115

5,015

4,909

4,539

4,244

3,673

3,564

3,231

2,546

0

0

0

Adjustments to reconcile net income to net cash provided by operating activities:
Provision for Loan and Lease Losses

3,100

2,100

2,100

1,850

2,050

2,050

2,050

2,050

1,900

1,650

1,350

1,270

1,270

1,220

1,120

900

500

500

1,250

1,600

2,150

2,550

2,500

2,550

2,300

2,350

2,350

2,750

3,450

4,000

4,350

4,750

5,500

6,800

0

0

0

Net amortization of purchase premiums and discounts on securities

-211

-189

-176

-193

-204

-220

-244

-261

-270

-290

-291

-311

-327

-346

-376

-407

-466

-514

-541

-561

-562

-552

-583

-584

-635

-713

-739

-768

-818

-827

-836

-769

-647

-576

0

0

0

Depreciation and amortization

1,815

1,619

1,722

1,837

1,679

1,937

1,526

1,336

1,368

1,238

1,173

1,027

736

734

669

682

611

530

976

1,127

1,154

1,385

1,208

1,218

1,299

1,267

1,320

1,395

1,453

1,358

1,254

941

1,008

1,040

0

0

0

Deferred income tax (benefit) expense

-728

-299

-343

-981

-1,216

-1,262

443

1,085

1,587

1,546

-139

18

-37

110

211

32

417

367

285

550

346

498

548

659

665

389

414

778

787

783

602

-115

435

4

0

0

0

Net security gains

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net security gains

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

433

401

434

274

390

426

400

575

573

464

723

402

303

0

0

0

Gain (Loss) on Repurchase of Debt Instrument

-

-

-

-

-

-

-

-

-

-

-

-

-

2,264

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Stock compensation expense

1,353

1,271

1,199

1,129

1,071

1,053

961

884

799

746

698

664

625

545

525

495

475

450

435

418

405

398

396

377

357

340

326

322

310

310

310

301

269

221

0

0

0

(Gain) loss on sale of OREO

-

-

-

-

-

-

-

-

-

-245

-253

-226

-270

71

0

0

0

-

-

-

-

-138

0

0

0

-

-

-

-

-85

0

0

0

-

-

-

-

Valuation writedowns on OREO

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

-

-

-

-

-

-

-

-

Gain on sale of mortgage loans held for sale, net

2,507

2,143

1,572

1,327

1,292

1,390

1,474

1,540

1,601

1,699

1,744

1,668

1,770

1,610

1,476

1,546

1,624

1,674

1,691

1,428

1,047

923

987

1,031

1,393

1,650

0

0

0

-

-

-

-

-

-

-

-

Gain on sale of mortgage loans held for sale, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,274

1,971

1,559

1,193

951

0

0

0

Gain on sale of SBA loans held for sale, net

1,066

909

851

1,104

1,449

1,680

1,652

1,784

1,679

1,617

1,863

2,117

2,276

2,099

2,117

1,786

1,149

1,204

1,013

1,001

1,255

975

654

638

470

628

868

634

772

688

541

833

1,008

962

0

0

0

Origination of mortgage loans held for sale

139,304

120,173

93,634

97,250

80,028

80,729

81,208

66,241

76,566

82,088

97,636

99,416

108,759

108,120

93,016

103,127

104,240

94,259

92,039

72,781

56,780

59,194

60,909

58,504

73,281

78,432

96,564

112,559

106,900

105,543

98,320

81,598

67,352

55,781

0

0

0

Origination of SBA loans held for sale

10,429

10,246

10,098

10,565

8,415

9,510

14,880

18,951

25,450

24,394

23,778

28,609

28,633

29,916

29,905

23,851

20,956

22,543

17,244

15,851

14,425

9,994

9,538

6,052

5,082

6,103

7,050

7,850

6,098

6,427

5,405

3,972

12,321

10,682

0

0

0

Proceeds from sale of mortgage loans held for sale, net

141,811

122,316

95,206

98,577

81,320

82,119

82,682

67,781

78,167

83,787

99,380

101,084

110,529

109,730

94,492

104,673

105,864

95,933

93,730

74,209

57,827

60,117

61,896

59,535

74,674

80,082

98,651

114,994

109,240

107,817

100,291

83,157

68,545

56,732

0

0

0

Proceeds from sale of SBA loans held for sale, net

15,107

15,768

14,971

20,052

24,128

23,939

22,560

22,210

20,809

20,998

23,913

27,578

29,589

26,837

27,717

23,031

15,227

15,297

11,850

11,640

14,163

11,345

7,056

6,977

5,440

6,962

9,305

6,372

7,935

7,452

7,392

12,341

15,116

14,243

0

0

0

BOLI income

610

588

600

926

955

975

990

637

552

469

384

369

372

378

379

378

380

380

250

556

557

559

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Gain (Loss) on Disposition of Property Plant Equipment

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

0

-

-

-

-

Net change in other assets and liabilities

-2,375

-1,480

-3,142

1,280

-2,835

-1,064

-1,889

-1,753

-1,187

-1,234

-1,001

-17

1,976

-639

-13

-168

-1,519

325

-784

-1,582

-823

-392

18

-341

-1,579

-1,470

-1,911

-759

-979

-1,853

1,405

-3,980

-914

-971

0

0

0

Net cash provided by operating activities

33,474

33,204

34,741

32,919

42,197

38,590

0

0

0

-

-

-

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by operating activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,982

6,159

8,014

10,148

11,717

6,928

10,732

11,550

11,445

13,305

9,256

12,930

13,307

12,235

22,943

15,423

16,354

0

0

0

INVESTING ACTIVITIES
Purchases of securities held to maturity

-

-

-

-

-

-

-

-

-

-

-

-

-

11,322

0

0

0

-

-

-

-

-

-

-

-

9,871

0

0

0

-

-

-

-

-

-

-

-

Purchases of debt securities available for sale

-

-

-

-

-

-

-

-

-

-

26,890

30,810

22,692

9,339

0

0

0

-

-

-

-

9,947

13,220

19,809

25,997

29,136

32,396

25,807

20,313

39,335

41,673

49,252

60,290

39,135

0

0

0

Purchases of FHLB stock, at cost

92,624

90,644

83,579

82,949

78,572

72,115

63,069

47,554

31,021

17,408

6,406

3,179

3,012

4,182

9,942

10,010

14,363

16,568

12,790

13,689

10,370

8,570

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Maturities and principal payments on securities held to maturity

544

633

964

1,292

1,350

1,393

3,981

4,081

4,218

4,278

1,887

2,089

2,097

2,201

2,101

2,190

2,458

2,717

2,977

3,328

4,084

6,589

6,651

6,842

6,455

4,841

5,010

5,525

5,324

4,733

4,520

3,223

4,282

7,011

0

0

0

Maturities and principal payments on debt securities available for sale

6,680

5,441

5,028

5,164

5,083

5,396

6,396

6,918

10,881

13,220

12,252

12,220

8,589

8,927

9,206

9,428

10,103

8,295

8,568

8,917

9,468

9,863

10,749

14,250

19,054

22,210

25,865

27,264

28,996

30,667

32,080

33,248

32,834

35,393

0

0

0

Proceeds from sales of securities available for sale

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sales of equity securities

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sales of securities available for sale

-

-

-

-

-

-

-

-

-

-

-

-

-

12,472

0

0

0

-

-

-

-

22,129

17,942

20,615

9,770

12,178

13,620

10,947

10,582

8,103

6,638

19,488

20,775

23,123

0

0

0

Proceeds from redemption of FHLB stock

93,690

87,255

82,126

84,195

77,760

74,183

60,953

43,411

27,706

10,583

4,845

1,170

1,755

2,745

8,685

10,553

17,010

18,000

13,187

14,432

8,740

7,930

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from sale of OREO

-

-

-

-

-

440

679

927

1,439

1,034

1,472

1,330

1,099

2,302

4,298

4,746

4,918

4,272

1,968

2,037

3,435

3,344

3,947

3,503

1,902

2,119

1,386

2,686

2,829

3,765

0

0

0

-

-

-

-

Net increase in loans

133,612

128,876

92,471

108,286

133,090

147,223

196,728

201,836

188,983

193,592

143,748

130,888

115,058

82,697

94,754

95,095

99,554

123,463

108,528

113,262

105,191

91,139

88,626

95,138

94,919

97,191

70,944

21,803

23,852

4,205

5,552

8,790

-19,436

-9,594

0

0

0

Proceeds from BOLI

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Purchases of premises and equipment

766

709

1,027

1,021

1,307

1,507

1,886

1,831

1,608

1,509

2,162

4,045

5,262

9,595

8,305

6,276

5,002

951

907

956

1,028

597

829

759

4,754

4,789

4,810

4,826

691

1,817

2,483

2,565

2,825

1,715

0

0

0

Net cash used in investing activities

-126,046

-133,115

-93,784

-102,824

-129,982

-140,653

0

0

0

-

-

-

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-5,662

15,274

33,693

0

0

0

Net cash used in investing activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-110,689

-92,180

-95,458

-71,629

-60,399

-65,508

-72,966

-94,871

-104,042

0

0

0

-

-

-

-

-

-

-

-

FINANCING ACTIVITIES
Net increase in deposits

152,032

42,427

53,889

117,954

109,072

164,550

175,841

142,432

136,811

97,414

110,312

91,769

53,884

51,230

67,073

96,771

137,378

100,152

84,327

87,344

21,817

55,643

54,808

99,714

115,507

89,938

93,985

11,926

9,016

4,789

-21,044

-24,724

-13,675

-10,817

0

0

0

Proceeds from new borrowings

217,000

283,000

240,000

210,000

264,000

210,000

303,000

333,000

306,000

220,000

103,000

94,000

91,000

76,000

92,000

56,000

-13,000

47,000

50,000

50,000

90,000

50,000

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Repayments of borrowings

243,000

210,000

210,000

240,000

250,000

275,000

275,000

255,000

245,000

66,000

66,000

66,000

66,000

47,000

67,000

57,000

47,000

80,000

60,000

60,000

50,000

32,000

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Repurchase of subordinated debentures

-

-

-

-

-

-

-

-

-

-

-

-

-

2,891

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Proceeds from Stock Options Exercised

321

453

500

547

452

576

648

630

664

509

775

715

684

549

0

0

0

-

-

-

-

70

0

0

0

-

-

-

-

173

161

28

469

450

0

0

0

Fair market value of shares withheld to cover employee tax liability

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Dividends on preferred stock

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

585

843

1,032

1,032

1,032

1,032

1,032

1,032

1,032

0

0

0

Dividends on common stock

3,366

3,255

3,142

3,031

2,889

2,802

2,681

2,547

2,530

2,380

2,265

2,066

1,702

1,524

1,346

1,266

1,186

1,109

1,028

947

855

757

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Purchase of treasury stock

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by financing activities

122,430

112,412

81,247

85,470

120,635

97,324

0

0

0

-

-

-

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-25,728

-14,238

-11,399

0

0

0

Increase in cash and cash equivalents

29,858

12,501

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Net cash provided by financing activities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

66,043

73,289

82,548

67,113

79,099

85,443

101,262

131,558

97,809

0

0

0

-

-

-

-

-

-

-

-

Increase (Decrease) in cash and cash equivalents

-

-

-

-

-

-

-

-

13,083

-

20,160

8,738

-23,269

17,738

-4,187

5,635

-7,372

-41,664

-12,732

-4,896

5,632

30,417

26,863

39,028

48,237

5,212

2,163

18,475

8,159

11,618

-17,527

-8,447

16,459

38,648

0

0

0

SUPPLEMENTAL DISCLOSURES
Interest paid

18,294

18,006

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Interest paid

-

-

-

-

-

-

-

-

0

-

-

0

8,768

-

8,571

8,333

8,073

7,673

7,574

7,531

7,409

7,285

7,049

6,816

6,624

6,509

6,625

6,859

7,208

7,863

8,538

9,324

10,104

10,584

0

0

0

Income taxes paid

9,952

8,222

7,657

7,962

4,532

5,941

6,741

5,836

6,586

7,002

6,582

7,757

8,132

7,592

7,014

6,035

5,260

4,791

4,014

3,043

2,653

2,244

1,999

1,984

2,505

2,527

2,077

1,842

1,061

969

1,189

1,000

661

606

0

0

0

Noncash investing activities:
Establishment of lease liability and right-of-use asset

0

-

-

-

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Transfer of SBA loans held for sale to held to maturity

0

-

-

-

0

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Transfer of SBA loans held for sale to held to maturity

0

-

-

-

0

-

-

-

-

13

13

13

13

0

0

0

0

-

-

-

-

138

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Capitalization of servicing rights

918

643

445

940

908

938

735

452

237

172

484

783

1,119

1,472

1,306

1,522

1,376

927

911

465

370

483

0

0

0

-

-

-

-

-

-

-

-

-

-

-

-

Transfer of loans to OREO

1,823

2,151

2,151

997

349

127

127

582

582

872

1,309

913

1,534

1,990

4,307

4,227

4,409

4,948

2,195

3,580

3,289

4,318

0

0

0

-

-

-

-

3,560

0

0

0

-

-

-

-

Purchase of leased branch locations

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

0

-

-

-

-

-

-

-

-

Transfer of loans to OREO

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6,411

0

0

0