First Clover Leaf Financial Cash Flow - Annual (NASDAQ:FCLF)

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$12.5 $0.08 (0.64%) FCLF stock closing price Sep 08, 2016 (Closing)

The First Clover Leaf Financial cash flow statement is one of the important reports considered by investors doing a fundamental analysis of the company. While its important to look at the First Clover Leaf Financial debt position, the cash flow statement becomes equally important because public companies use accrual accounting. For example, if a company sells a product which gets counted as First Clover Leaf Financial revenue but does not convert to cash because it does not receive payment in the same quarter, it affects the cash position for that period. First Clover Leaf Financial cash flow analysis is possible because this statement breaks down how balance sheet accounts and income statement items affect cash and cash equivalents.  First Clover Leaf Financial had cash and cash equivalents of $49.06M at the beginning of the year and $79.23M at year end for 2015.   First Clover Leaf Financial saw a inflow of $3.14M from investing activities for 2015. View details of First Clover Leaf Financial cash flows for latest & last ten financial years.

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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
First Clover Leaf Financial Net Income Cash Flow
Depreciation Depletion Amortization Cash-Flow1.4M1.59M1.57M1.82M0.81M0.37M10.46M0.18M0.2M0.69M
Net Increase (Decrease) in Assets Liabilities-0.73M-0.24M2.18M0.39M-2.85M1.66M-4.35M-0.94M0.2M-0.37M
Cash From (used in) Discontinued Operations----------
Other Adjustments Net-0.8M-0.43M1.11M1.38M5.99M2.11M4.73M1.15M1.35M-1.26M
First Clover Leaf Financial Net Cash from (used by) Operating Activities
Increase (Decrease) in Prop Plant And Equipment-0.08M-1.2M-0.28M-0.63M-0.03M-0.03M0.29M-4.04M-0.87M-0.26M
Acquisition Disposition of Subsidiaires--------11.48M-19.79M
Increase (Decrease) in Investments1.55M13.84M-34.47M-0.07M-5.37M6.01M23.28M7.83M-48.43M-30.7M
Other Cash Inflow (Outflow) from Investment Activities-18.34M-32.66M19M-9.71M-12.79M17.16M14.54M-45.34M-9.76M-0.03M
First Clover Leaf Financial Net Cash from (used by) Invesment Activities
Issuance (Purchase) of Equity Shares-0.01M--3.88M-1.59M-0.39M-0.46M-6.54M-7.07M-5.38M40.13M
Issuance (Repayment) of Debt Securities13.5M-11.5M-8M-5M5M-18M-10M26M-24.93M
Increase (Decrease) in Bank & Other Borrowings7.88M-14.91M-7.72M-2.37M15.41M2.52M-36.16M15.53M-13.54M-
Payment of Dividends & Other Cash Distributions-1.68M-1.68M-1.73M-1.83M-1.86M-1.87M-1.95M-1.99M-2.09M-1.47M
Other Cash from (used by) Financing Activities
First Clover Leaf Financial Net Cash from (used by) Financing Activities
Effect of Exchange Rate Changes on Cash----------
First Clover Leaf Financial Net Change in Cash & Cash Equivalents
Cash & Equivalents at Beginning of Year49.06M84.69M71.41M39.36M66.25M47.99M67.13M37.08M92.66M3.42M
Cash & Equivalents at Year End79.23M49.06M84.69M71.41M39.36M66.25M47.99M67.13M37.08M92.66M
All figures in USD. M: Millions of USD, B: Billions of USD.

First Clover Leaf Financial stock price history provides insight into historical stock price fluctuations, and First Clover Leaf Financial stock comparison chart enables peer comparison. Some of the key terms used in the statement of cash flows are:
  • First Clover Leaf Financial has cash of $79.23M on hand. A healthy amount of cash on hand is necessary for any company. Cash has an opportunity cost associated with it, and too much cash in bank may mean that the firm has no or limited growth plans. Hence its important to track the Net Change in Cash and Cash Equivalents along with the First Clover Leaf Financial stock price.
  • Cash Flow from operating activities: This is the cash that the company receives from ongoing operations. First Clover Leaf Financial lost $0.22M cash from operations. It is important to check this to see where the company is getting its money from.
  • Cash Flow from investment activities: This includes buying/selling of land and equipment, acquisitions and mergers, sell-off, investment in other companies like buying bonds, stocks etc. , and was $4.5M for FCLF in last year report.
  • Inflow of cash in the form of bank loans and shareholders equity, and outflow of cash because of dividend payments, share repurchase payments etc. come under financing activities. The cash generated from these activities was $42.54M for First Clover Leaf Financial.

Key Financial Ratios For First Clover Leaf Financial Cash Flow

FCF margin