WVS FINANCIAL CORP WVFC Cash Flow

Wvs financial corp (WVFC)
CashFlow / TTM

Mar'20	Dec'19	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	Dec'10	Sep'10
OPERATING ACTIVITIES
NET INCOME
2,761	2,883	2,840	2,795	2,771	2,659	2,371	2,125	1,951	1,742	1,741	1,637	1,611	1,514	1,412	1,325	1,255	1,386	1,359	1,347	1,304	1,042	1,009	920	871	812	905	1,080	1,256	1,499	1,377	1,402	1,596	1,567	1,577	1,226	0	0	0
Adjustments to reconcile net income to cash provided by operating activities:
(Credit) provision for loan losses
0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-
PROVISION FOR LOAN LOSSES
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-43	-15	0	0	0
Depreciation
35	33	38	47	57	66	72	78	83	89	94	97	97	98	97	98	98	97	96	91	86	84	99	100	102	102	88	90	91	89	86	84	83	87	94	100	0	0	0
Net impairment loss recognized in earnings
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	131	131	131	24	0	0	0	0
Net impairment loss recognized in earnings
0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gain on sale of other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5	5	5	5	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Investment securities gains (losses)
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	46	12	12	12	4	0	0	0	-	-	-	-
Amortization of discounts, premiums and deferred loan costs, net
-97	-81	-96	-142	-230	-330	-429	-581	-797	-1,060	-1,428	-1,803	-2,055	-2,277	-2,330	-2,220	-1,997	-1,608	-1,123	-756	-577	-721	-1,132	-1,582	-2,094	-2,498	-2,763	-2,861	-2,531	-2,182	-1,720	-1,106	-532	-336	-493	-932	0	0	0
Amortization of unallocated ESOP shares
184	186	190	200	208	199	189	177	327	292	76	221	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Deferred income taxes
-226	-36	1	9	158	59	-104	-65	-64	-75	110	58	127	-6	25	-3	-105	27	-37	-9	132	121	-15	-71	-73	-127	-96	-252	-459	-476	-424	-251	-243	-469	-317	-269	0	0	0
Increase in prepaid/accrued income taxes
0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0
Earnings on bank owned life insurance
0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-
Decrease in accrued interest receivable
-	0	-60	-	-	49	87	19	-48	-177	-325	-302	-229	-119	91	310	224	825	464	560	27	-347	-541	-733	-560	-693	-412	-250	114	172	699	432	216	-518	-899	-1,241	0	0	0
(Decrease) increase in accrued interest payable
-138	2	406	443	482	540	226	133	119	80	-16	58	18	-2	17	33	25	8	-4	-14	-46	-63	-44	-40	-10	-8	-46	-47	-48	-46	-42	-65	-217	-290	-424	-515	0	0	0
Increase in deferred director compensation payable
79	75	73	72	63	62	61	59	32	31	30	29	50	-104	-99	-107	-132	13	-2	6	6	5	3	-13	-18	-25	-29	-29	-31	-29	-30	-30	-329	-385	-378	-368	0	0	0
Decrease in cash items in the process of collection
-	-	-	-	-	-	-	-	-	-	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Decrease in unsettled security purchases
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Decrease in prepaid federal deposit insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-163	-200	-248	-271	-293	-289	-318	-367	-399	0	0	0
Decrease in transaction account clearing balance payable to Federal Reserve
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	0	0	0
Other, net
-137	85	17	89	360	199	41	208	314	16	276	82	-120	48	87	88	2,076	119	179	76	-1,757	283	70	101	-66	100	-135	-311	-872	-1,230	-1,048	-684	-130	-222	3	45	0	0	0
Net cash provided by operating activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by operating activities
3,210	3,480	3,708	3,774	3,921	3,931	3,361	4,573	3,611	4,464	3,841	2,898	0	0	0	-	-	-	-	-	-	-	0	-	3,479	4,006	3,997	4,106	3,841	3,649	2,735	1,948	1,542	2,218	1,563	3,314	0	0	0
INVESTING ACTIVITIES
Available-for-sale:
Purchase of investment securities
-	0	29,099	-	-	60,621	61,689	64,664	73,811	86,363	107,484	99,794	96,072	77,175	58,129	72,318	65,682	90,226	79,491	54,653	0	0	0	-	-	-	-	52,876	65,470	61,974	73,404	63,416	46,029	35,471	28,190	10,416	0	0	0
Proceeds from repayments of mortgage-backed securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2,018	0	0	0
Proceeds from sale of investments
-	-	-	-	-	0	0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	6,825	3,993	3,993	3,993	2,102	0	0	0	-	-	-	-
Proceeds from sale of commercial paper investment securities
-	-	-	37,074	18,424	47,585	33,562	42,331	44,139	72,625	89,056	97,203	88,017	53,452	37,359	21,137	17,004	16,271	15,740	14,890	20,975	34,960	35,472	47,200	41,421	35,827	31,190	21,057	19,591	12,192	9,192	6,389	2,100	100	5,600	9,340	0	0	0
Investment securities held to maturity other-than-temporarily impaired:
Purchase of investment securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9,358	29,307	38,887	47,227	56,249	40,340	37,548	29,208	12,783	18,737	11,949	11,949	9,994	0	52,216	98,093	101,666	111,652	86,783	61,792	61,189	0	0	0
Purchase of mortgage-backed securities
-	-	-	-	-	-	-	-	-	-	13,970	21,954	21,954	7,984	14,734	6,750	13,311	15,976	15,103	21,184	27,121	43,682	75,633	98,710	118,309	155,310	140,933	135,304	134,596	82,836	70,672	57,386	43,754	39,287	28,000	17,757	0	0	0
Proceeds from repayments of investments
500	500	1,555	2,180	2,180	2,630	2,445	2,483	2,483	2,033	1,163	833	2,333	2,333	16,433	36,466	54,004	57,004	58,434	41,726	27,728	26,688	15,158	17,182	13,440	41,861	67,277	65,606	111,365	88,990	76,361	107,633	92,543	118,762	139,675	125,108	0	0	0
Proceeds from repayments of mortgage-backed securities
-	0	4,812	-	-	11,699	14,609	13,599	13,522	15,807	23,013	30,207	36,571	36,936	31,962	32,191	40,503	60,800	73,757	76,219	63,692	43,426	28,802	23,109	32,553	43,514	65,887	75,989	74,904	72,000	59,736	49,456	39,726	44,151	54,787	62,941	0	0	0
Purchase of bank owned life insurance
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2,000	4,000	4,000	4,000	2,000	0	0	0	-	-	-	-	-	-	-	-
Purchase of certificates of deposit
3,080	2,086	2,834	1,842	1,096	1,096	348	348	453	351	2,603	10,138	10,033	10,135	7,635	100	100	100	100	100	100	100	100	0	0	0	0	-	-	-	-	947	1,783	1,783	4,266	3,817	0	0	0
Maturities/redemptions of certificates of deposit
2,834	1,842	598	349	348	3,373	4,873	10,373	10,125	7,100	5,600	100	100	100	100	100	100	100	100	348	348	348	348	0	0	0	0	-	-	-	-	3,766	5,603	6,199	8,287	8,747	0	0	0
Purchase of loans
-	0	11,492	-	-	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net decrease in net loans receivable
-10,610	-9,777	-6,983	-5,564	-2,687	-3,311	-7,033	-3,921	-15,429	-12,346	-1,781	-900	-8,754	-5,725	-7,184	-3,530	23,567	22,264	21,679	16,655	7,274	4,329	-3,275	-1,874	-3,118	-2,094	-4,421	-7,951	-9,907	-12,873	-9,721	-10,729	-8,239	-8,481	-8,281	-6,114	0	0	0
Purchase of FHLB stock
8,567	12,615	9,416	8,684	7,115	6,231	6,708	6,691	6,435	6,696	6,461	7,200	8,767	7,879	7,911	7,039	6,108	7,301	12,948	12,519	13,295	13,092	8,611	8,726	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Redemption of FHLB stock
-8,738	-12,628	-9,392	-8,835	-7,425	-6,478	-7,083	-6,592	-6,011	-6,240	-6,098	-6,737	-8,362	-7,572	-7,778	-7,059	-5,841	-5,952	-13,375	-12,340	-12,533	-14,038	-6,913	-7,968	-6,569	-4,918	-3,984	-2,911	-2,903	-2,446	-1,990	-1,729	-1,821	-1,917	-2,017	-1,551	0	0	0
Acquisition of premises and equipment
0	0	0	-	-	-	-	-	-	-	-	9	10	7	6	11	36	54	66	106	128	129	120	101	52	33	100	121	170	180	113	79	31	20	23	9	0	0	0
Sale of other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	254	251	251	251	0	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Other
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5	4	4	4	0	0	0	0	-	-	-	-
Net cash used for investing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash used for investing activities
-25,035	-4,940	-6,893	-1,507	-2,287	-138	3,042	-2,290	-8,425	-11,285	-17,507	-16,807	0	0	0	-	-	-	-	-	-	-	0	-	-51,708	-62,517	-2,173	-20,150	24,514	-2,730	-78,810	-41,690	-51,233	18,262	98,383	122,631	0	0	0
FINANCING ACTIVITIES
Net (decrease) increase in transaction and savings accounts
0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0
Net increase in certificates of deposit
0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0
Net decrease in advance payments by borrowers for taxes and insurance
0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0	-	0	0	0
Proceeds (repayments) of FHLB long-term advances - fixed rate
-	-	-	-	-	-	-	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Proceeds (repayments) of FHLB long-term advances - variable rate
-	-	-	-	-	-	-	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in CDARS one-way buy CDs
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0
Repayments of Federal Home Loan Bank long-term advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	22,000	32,000	67,000	87,000	0	0	0
Proceeds from Federal Home Loan Bank long-term advances
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	105,305	99,196	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in CDARS one-way buy CDs
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0	-	0	0	0
Net decrease in FHLB short-term advances
11,120	2,037	100,930	100,575	107,869	106,338	9,517	-15,604	-31,236	-30,332	-28,363	-11,772	-108,910	-110,940	-103,246	-106,197	-11,221	-32,733	-13,639	-14,204	80,029	119,654	77,317	73,086	-30,718	-57,338	3,368	-17,442	29,060	36	-77,548	-47,211	-106,795	-64,752	-27,890	-32,059	0	0	0
Increase in unallocated ESOP shares
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net increase in other short-term borrowings
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-12,510	0	0	0
Purchase of treasury stock
0	0	0	-	0	0	0	-	-	-	0	-	0	0	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Purchase of treasury stock
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	82	10	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Increase in unallocated ESOP shares
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-
Release of ESOP shares
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	25	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash dividends paid
852	851	817	783	725	718	703	689	628	578	530	482	444	406	489	489	408	408	328	329	329	329	329	329	328	328	329	328	330	330	329	330	329	330	329	576	0	0	0
Net cash provided by financing activities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net cash provided by financing activities
19,993	874	4,581	-329	-4,293	-8,686	-8,118	-2,114	8,866	12,956	17,627	13,838	0	0	0	-	-	-	-	-	-	-	0	-	47,636	58,230	-1,919	15,465	-30,022	-1,052	72,198	40,288	48,123	-20,331	-95,221	-126,183	0	0	0
(Decrease) increase in cash and cash equivalents
-1,832	-586	1,396	1,938	-2,659	-4,893	-1,715	169	4,052	6,135	3,961	-71	907	-488	1,702	-1,230	-598	613	436	2,213	1,044	440	-934	-567	-593	-281	-95	-579	-1,667	-133	-3,877	546	-1,568	149	4,725	-238	0	0	0
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION
Cash paid during the period for:
Interest on deposits and borrowings
4,729	4,925	4,618	4,429	4,069	3,502	3,286	2,991	2,616	2,326	2,141	1,796	0	0	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest on deposits and borrowings
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	0	1,182	-	1,210	1,294	1,345	1,397	1,399	1,377	1,425	1,454	1,499	1,551	1,551	1,609	1,969	2,467	3,308	4,735	0	0	0
Income taxes
953	926	975	970	914	896	960	1,003	1,039	1,045	957	884	685	817	821	808	846	723	691	668	514	535	465	453	361	462	552	578	758	741	881	782	734	599	254	212	0	0	0
Non-cash items:
Commitment to purchase investment securities
-	-	-	-	-	-	-	-	-	-	-	-	-	-	0	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Due to Federal Reserve Bank
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	733	0	0	0
Mortgage loans transferred to other real estate owned
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	246	246	246	246	0	0	0	0	-	-	-	-	182	417	417	417	235	0	0	0
Educational Improvement Tax Credit
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	33	33	33	47	47	47	47	30	107	110	110	86	98	95	95	98	0	0	0	0