$ECBK Cashflow Statement | Understand Stock

$ECBK

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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
Cash flows from operating activities:
Net income
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of securities, net
(Accretion) amortization of securities, net
Accretion of securities, net
Provision for credit losses
Change in deferred loan costs/fees
Gain on sales of loans, net
Proceeds from sales of loans
Loans originated for sale, net
Depreciation and amortization expense
Increase in accrued interest receivable
Increase (decrease) in accrued interest payable
Gain from life insurance policy death benefit
Increase in bank-owned life insurance
Deferred income tax benefit
Accrual for pension plan withdrawal liability
Issuance of common shares donated to the Everett Co-operative Bank Charitable Foundation
ESOP expense
Stock-based compensation expense
Stock options exercised
Increase in other assets
Increase in other liabilities
Net cash provided by operating activities

Cash flows from investing activities:
Purchases of held-to-maturity securities
Proceeds from paydowns and maturities of held-to-maturity securities
Premiums paid on bank-owned life insurance
Purchases of available-for-sale securities
Proceeds from paydowns and maturities of available-for-sale securities
Proceeds from life insurance policy death benefit
Purchase of interest-bearing time deposits
Proceeds from maturities of interest bearing time deposits
Investment in low-income housing tax credit funds
Purchase of Federal Home Loan Bank Stock
Recoveries of loans previously charged off
Redemption of Federal Home Loan Bank Stock
Loan originations and principal collections, net
Purchase of loans
Capital expenditures
Net cash used in investing activities

Cash flows from financing activities:
Net increase in demand deposits, NOW and savings accounts
Net increase in time deposits
Proceeds from long-term Federal Home Loan Bank advances
Repayments of long-term Federal Home Loan Bank advances
Net change in short-term Federal Home Loan Bank advances
Restricted stock awards issued, net of awards surrendered
Stock options exercised
Payments for shares repurchased under share repurchase plan
Net cash provided by financing activities
Net (decrease) increase in cash and cash equivalents
Cash and cash equivalents at beginning of year
Cash and cash equivalents at end of period
Supplemental disclosures:
Interest paid
Income taxes paid
Effect of the adoption of ASU 2016-13 - Allowance for credit losses
Effect of the adoption of ASU 2016-13 - Deferred income taxes
Effect of the adoption of ASU 2016-13 - Other liabilities
Federal
State
Massachusetts Department of Revenue
Other State Tax Authorities

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