$BAFN Cashflow Statement | Understand Stock

$BAFN

$6.02 -$0.55 (8.37%) Close

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Financial Statements

Income Statement Balance Sheet Cashflow Statement

Consolidated statements of cash flows

In millions of USD, except per-share amounts

	FY2025 12 months to Dec 31, 2025	FY2024 12 months to Dec 31, 2024	FY2023 12 months to Dec 31, 2023	FY2022 12 months to Dec 31, 2022	FY2021 12 months to Dec 31, 2021
Cash flows from operating activities:
Net income (loss) from continuing operations
Net loss from discontinued operations
Net income (loss)
Adjustments to reconcile net income to net cash from operating activities:
Depreciation of fixed assets
Net securities premium amortization
Amortization of debt issuance costs
Amortization of premium on loans purchased, net
Provision for loan losses
Provision for credit losses
Accretion of discount on unguaranteed loans
Deferred tax benefit
Origination of government guaranteed loans held for sale
Proceeds from sales of government guaranteed loans held for sale
Residential loans held for sale
Government guaranteed loans
Total residential loans held for sale
Total proceeds from sales of government guaranteed loans held for sale

Net gains on sales of government guaranteed loans
PPP and Government Loans
Government guaranteed loans
SBA Loan
Total pPP and Government Loans
Total net gains on sales of government guaranteed loans

Origination of residential loans held for sale
Net gains on sales of residential loans held for sale
Residential loans held for sale
Total net gains on sales of residential loans held for sale
Sale of servicing rights
Change in fair value of government guaranteed loans HFI, at fair value
Residential loans held for sale
SBA Loan
Total residential loans held for sale
Total change in fair value of government guaranteed loans HFI, at fair value

Amortization of loan servicing rights
Gain on sale of premises and equipment
Gain on other real estate owned
Loss on sale and writedowns of repossessed assets
Non-qualified stock purchase plan expense
Stock based compensation expense
Executive stock grants
Income from bank owned life insurance
Impairment of equipment and software
Changes in:
Accrued interest receivable
Other assets
Accrued interest payable
Other liabilities

Net cash provided by operating activities of continuing operations
Net cash used in operating activities of discontinued operations
Net cash provided by operating activities
Cash flows from investing activities:
Purchase of investment securities available for sale
Principal payments on investment securities available for sale
Purchase of investment securities held to maturity
Principal payments on investment securities held to maturity
Call of investment securities held to maturity
Purchase of restricted equity securities
Purchase of PPP loans
Proceeds from sales of PPP and government guaranteed loans originally classified as held for investment
Loan (originations) and payments, net
Net sale (purchase) of nonmarketable equity securities
Purchase of time deposits in banks
Maturity of time deposits in banks
Purchase of government guaranteed loans
Loan originations, net
Purchase related to other real estate owned
Proceeds for the sale of premises and equipment
Purchase of premises and equipment
Purchase of bank owned life insurance
Proceeds on sales of other real estate owned
Proceeds on sales of repossessed assets
Net cash used in investing activities

Cash flows from financing activities:
Net change in deposits
Net proceeds (repayments) issuance of long-term FHLB advances
Net increase in short-term borrowings
Proceeds from issuance of subordinated debt, net of costs
Net decrease in short-term borrowings
Payments on notes payable
Net repayments of PPP Liquidity Facility borrowings
Proceeds from issuance of preferred stock, net
Repayment of subordinated debt
Proceeds from issuance of common stock for benefit plans, net
Common share buyback - redeemed stock
ESOP contribution
Unearned ESOP shares allocation
Tax benefit from options exercised
Unearned ESOP shares
Dividends paid on common stock
Dividends paid on preferred stock
Net cash provided by financing activities

Net change in cash and cash equivalents
Cash and cash equivalents, beginning of period
Cash and cash equivalents, end of period
Supplemental cash flow information
Interest paid
Income taxes paid
Supplemental noncash disclosures
Impact to retained earnings from adoption of ASC 326, net of tax
Net change in unrealized holding gains (losses) on investment securities available for sale, net of tax effect
Transfer of available for sale debt securities to held to maturity securities at fair value
Transfer of government guaranteed loans HFI to loans HFS
Transfer of government guaranteed loans HFS to loans HFI
Transfer of loans HFI to OREO
Transfer of loans HFI to repossessed assets
Transfer of premises and equipment to OREO
Recognition of right of use asset in exchange for new operating lease liabilities
Conversion of Series B preferred stock to common stock
Preferred Shares, Series B
Preferred Shares, Series A
Total conversion of Series B preferred stock to common stock
Conversion of subordinated debt to Series B preferred stock

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