$BYFC Cashflow Statement | Understand Stock

$BYFC

$11.27 +$0.02 (0.18%) 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 (loss) income
Adjustments to reconcile net income to net cash provided by operating activities:
Loan loss provision
Provision for credit losses
Depreciation and amortization
Net change of deferred loan origination costs
Net accretion of premiums and discounts on available-for-sale securities
Amortization of investment in affordable housing limited partnership
(Accretion) amortization of purchase accounting marks on loans
Accretion of purchase accounting marks on loans
Amortization of core deposit intangible
Accretion of premium on FHLB advances
Stock-based compensation expense
Directors
Employees, Excluding Directors
Valuation allowance on deferred tax asset
Originations of loans receivable held for sale
Proceeds from sales and repayments of loans receivable held for sale
Gain on sale of loans receivable held for sale
ESOP compensation expense
Earnings on bank owned life insurance
Goodwill impairment
Net change in assets and liabilities:
Deferred tax assets
Accrued interest receivable
Other assets
Accrued expenses and other liabilities

Net cash provided by operating activities
Cash flows from investing activities:
Cash acquired in merger
Net change in loans receivable held for investment
Principal payments and maturities of available-for-sale securities
Purchases of available-for-sale securities
Purchase of FRB stock
Purchase of FHLB stock
Proceeds from redemption of FHLB stock
Proceeds from redemption of FRB stock
Purchases of bank owned life insurance
Purchase of office properties and equipment
Net cash (used in) provided by investing activities

Cash flows from financing activities:
Net change in deposits
Net change in securities sold under agreements to repurchase
Increase in unreleased ESOP shares
Proceeds from issuance of preferred stock
Proceeds from issuance of common stock, net of issuance costs
Repayments of Bank Term Funding Program borrowing
Proceeds from Bank Term Funding Program
City First Bank Fund Manager II distribution
Repayment of notes payable
Dividends paid on ECIP preferred stock
Distributions to non-controlling interest
Share repurchase - FDIC
Proceeds from other borrowings
Repayments of other borrowings
Proceeds from FHLB advances
Repayments of FHLB advances
Stock cancelled for income tax withholding
Repayments of junior subordinated debentures
Net cash provided by (used in) financing activities

Net change in cash and cash equivalents
Cash and cash equivalents at beginning of the period
Cash and cash equivalents at end of the period
Supplemental disclosures of cash flow information:
Cash paid for interest
Cash paid for income taxes
Transfers of loans receivable held for sale to loans receivable held for investment
Initial recognition of right of use asset
Initial recognition of operating lease liabilities
Right-of-use assets obtained in exchange for operating lease liabilities
Common stock issued in exchange for preferred stock
Securities available-for-sale, at fair value
Loans receivable
Accrued interest receivable
FHLB and FRB stock
Office property and equipment
Goodwill
Core deposit intangible
Other assets
Deposits
FHLB advances
Securities sold under agreements to repurchase
Other borrowings
Deferred taxes
Accrued expenses and other liabilities
Issuance of stock
Preferred Stock
Common Stock

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