$FNWB Cashflow Statement | Understand Stock

$FNWB

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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
Adjustments to reconcile net loss to net cash from operating activities:
Depreciation and amortization
Amortization of core deposit intangible
Amortization and accretion of premiums and discounts on investments, net
Accretion of deferred loan fees and purchased premiums, net
Amortization of debt issuance costs
Change in fair value of sold loan servicing rights
Additions to servicing rights on sold loans, net
Amortization of servicing rights on sold loans
Net (decrease) increase in the valuation allowance on servicing rights on sold loans
PROVISION FOR LOAN LOSSES
Provision for credit losses on loans
Recapture of provision for credit losses on unfunded commitments
Deferred Income Tax Expense (Benefit)
Allocation of ESOP shares
Share-based compensation expense
Gain on sale of loans, net
Loss on sale of securities available for sale, net
Gain on extinguishment of subordinated debt
Increase in cash surrender value of life insurance, net
Income from death benefit on bank-owned life insurance, net
Origination of loans held for sale
Proceeds from loans held for sale
Legal settlement paid
Insurance reimbursement

Change in assets and liabilities:
Decrease (increase) in accrued interest receivable
Decrease (increase) in ROU asset
Decrease in prepaid expenses and other assets
Decrease in accrued interest payable
(Decrease) increase in lease liabilities
(Decrease) increase in accrued expenses and other liabilities
Net cash (used) provided by operating activities
Cash flows from investing activities:
Purchase of securities available for sale
Proceeds from maturities, calls, and principal repayments of securities available for sale
Proceeds from sales of securities available for sale
Redemption (purchase) of FHLB stock
Early surrender of bank-owned life insurance policy
Purchase of bank-owned life insurance
Proceeds from bank-owned life insurance death benefit
Net decrease (increase) in loans receivable
Purchase of premises and equipment, net
Sale (purchase) of premises and equipment, net of amortization
Proceeds from sale of premises and equipment
Capital contributions to partnership investments
Redemption of partnership investment
Capital disbursements from partnership agreements
Capital contributions to low-income housing tax credit partnerships
Capital contributions to historic tax credit partnerships
Net cash acquired from branch acquisition
Net cash provided (used) by investing activities

Cash flows from financing activities:
Net (decrease) increase in deposits
Proceeds from long-term FHLB advances
Repayment of long-term FHLB advances
Proceeds from issuance of subordinated debt, net
Net increase (decrease) in line of credit
Net decrease in short-term FHLB advances
Redemption of subordinated debt, net
Net increase in line of credit
Net (decrease) increase in advances from borrowers for taxes and insurance
Payment of dividends
Restricted stock awards canceled
Repurchase of common stock
Net cash (used) provided by financing activities
Net increase (decrease) in cash and cash equivalents
Cash and cash equivalents at beginning of year
Cash and cash equivalents at end of year

Supplemental disclosures of cash flow information:
Cash paid for interest on deposits and borrowings
Cash paid for income taxes
Prior unrecognized service cost of defined benefit plan transferred to single-employer plan

Supplemental disclosures of noncash investing activities:
Change in unrealized loss on securities available for sale
Loans transferred to real estate owned and repossessed assets, net of deferred loan fees and allowance for loan losses
Change in unrealized loss on fair value hedge
Cumulative adjustment to servicing right asset due to election of fair value option
Investment in low-income housing tax credit partnership and related funding commitment
Change in unrealized (loss) gain on fair value hedge
Cumulative effect of adoption of ASU 2016-13 Financial Instruments - Credit Losses on January 1, 2023
Lease liabilities arising from obtaining right-of-use assets

Fair value of assets acquired
Fair value of liabilities assumed
Change in unrealized gain (loss) on DB Plan
Amortization of unrecognized DB plan prior service cost
Loan principal transferred from held-for-investment to held-for-sale
Loan principal transferred to real estate owned and repossessed assets, net
Lease liabilities arising from obtaining right-of-use assets
Transfer of bank-owned life insurance proceeds to prepaid expenses and other assets due to death benefit accrued but not paid at year end
Series A equity investment acquired upon conversion of commercial business loan
Write-down of equity investment
Loss on equity investment in QUIL received through Quin Ventures asset sale

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