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FY2025
12 months to Dec 31, 2025
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|
|---|---|
| Operating activities | |
| Net Income Loss | |
| Adjustments to reconcile net income to net cash (used) provided by operating activities: | |
| Provision for credit losses | |
| Depreciation expense and software amortization | |
| Increase in cash value of bank-owned life insurance | |
| Stock-based compensation expense | |
| Net loss on sale of available-for-sale securities | |
| Amortization of operating lease right-of-use assets | |
| Amortization of debt issuance costs | |
| Writedown on other real estate owned | |
| Write down on repossessed assets | |
| Net loss on sale of repossessed assets | |
| Net gain on sale of other real estate owned | |
| Gain on sale of government guaranteed loans, including originations of servicing rights | |
| Gain on sale of other loans | |
| Income from mortgage operations | |
| Discount accretion and premium amortization on securities available-for-sale | |
| Amortization of intangible assets | |
| Deferred income tax (benefit) expense | |
| Originations of loans held for sale | |
| Proceeds from loans held for sale | |
| (Decrease) increase in other assets | |
| Decrease (increase) in other liabilities | |
| Net cash provided (used) by operating activities | |
| Investing activities | |
| Purchase of securities available-for-sale | |
| Proceeds from sales of securities available-for-sale | |
| Proceeds from paydowns, calls, and maturities on securities available-for-sale | |
| Net (purchase) sale of non-marketable equity securities | |
| Loan originations and principal collections, net | |
| Net purchase of premises, furniture and equipment | |
| Proceeds from sales of other real estate owned | |
| Net cash used by investing activities | |
| Financing activities | |
| Net increase in deposits | |
| Net proceeds (repayment) of Federal Home Loan Bank of Atlanta borrowings | |
| Net proceeds from issuance of common stock through initial public offering | |
| Proceeds from issuance of common stock under incentive plan | |
| Repurchase of common stock | |
| Repayment of commercial line of credit | |
| Repayment of subordinated debt | |
| Net cash provided by financing activities | |
| Net increase (decrease) in cash and cash equivalents | |
| Cash and cash equivalents, beginning of year | |
| Cash and cash equivalents, end of year | |
| Cash paid (received) during the year for: | |
| Interest | |
| Income taxes | |
| Noncash investing and financing activities: | |
| Unrealized gain on securities available-for-sale, net | |
| Unrealized loss on derivatives, net | |
| Transfers from loans held for investment to loans held for sale | |
| Right-of-use assets obtained in exchange for new operating lease liabilities | |
| Lease liabilities arising from obtaining right-of-use assets |
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