$FSBC Cashflow Statement | Understand Stock

$FSBC

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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
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses
Depreciation and amortization
Deferred taxes
Amortization of deferred loan fees and costs
Amortization of premiums and discounts on securities
Amortization of subordinated note issuance costs
Amortization of low income housing tax credits
Stock compensation expense
Employee
Director
Total stock compensation expense

Director stock compensation expense
Change in deferred loan fees
Earnings on BOLI
Deferred tax provision
Purchase of transferable tax credits
Loans originated for sale
Gain on sale of loans
Gross proceeds from sale of loans
Net gain on sale of securities
Net loss (gain) on sale of securities available-for-sale
Extinguishment of redeemed subordinated note issuance costs
Earnings on equity investments
Net changes in:
Interest receivable and other assets
Interest payable and other liabilities
Operating lease liability
Amortization of operating lease ROUA

Net cash provided by operating activities

Proceeds from sale of securities available-for-sale
Proceeds from sale of securities available-for-sale
Maturities, prepayments, and calls of securities available-for-sale
Increase (decrease) in time deposits in banks
Purchases of securities available-for-sale
Capital call for equity investments
Proceeds received from equity investments
Capital call for low income housing tax credits
Net change in time deposits in banks
Loan originations, net of repayments
Purchase of premises and equipment, net
Purchase of FHLB stock
Purchase of BOLI
Other real estate sale proceeds
Net cash used in investing activities
Cash flows from financing activities:
Net change in deposits
Proceeds from issuance of stock, net of issuance costs
Cash dividends paid
(Payments) advances on other borrowings
Proceeds from subordinated note issuance
Subordinated note issuance costs
Subordinated note redemption
Net cash provided by financing activities
Net change in cash and cash equivalents
Cash and cash equivalents at beginning of period
Cash and cash equivalents at end of period
Supplemental disclosure of cash flow information:
Interest paid
Income taxes paid:
US Federal
US Federal - IRC 45X Tax Credits
US State and Local
US State and Local
California
Other states
Total
Supplemental disclosure of noncash items:
Transfer from loans held for investment to loans held for sale
Unrealized (loss) gain on securities
Transfer from loans held for sale to loans held for investment
Unrealized gain (loss) on securities
Operating lease liabilities exchanged for ROUA
ROUA recorded in conjunction with adoption of ASC 842
Cumulative effect of adoption of ASC 842 on retained earnings
Impact of ASC 326 Adoption
Total cumulative effect of adoption of ASC 842 on retained earnings

Disposal of premises and equipment
Reclassification of retained deficit
ROUA acquired
Net change in commitment for low income housing tax credits
Increase (decrease) in commitment for low income housing tax credits
Cumulative effect of adoption of ASC 326 on retained earnings, net of tax

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