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FY2025
12 months to Dec 31, 2025
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|---|---|
| Cash flows from operating activities: | |
| Net income | |
| Adjustments to reconcile net income to net cash used in operating activities: | |
| Provision for credit losses | |
| Depreciation | |
| Amortization and writeoff of loan servicing assets | |
| Amortization of operating lease right of use assets | |
| Amortization of subordinated debt issuance costs | |
| Investment securities amortization and accretion, net | |
| Net gain on sales of investment securities | |
| Loss on writedown of other real estate owned | |
| Stock compensation expense | |
| Gain on sale of loans | |
| Gross originations of loans held for sale | |
| Proceeds from sale of loans held for sale | |
| Income from bank owned life insurance | |
| Net change in deferred income taxes | |
| Increase in accrued interest receivable | |
| Net change in other assets | |
| Net change in operating lease liability | |
| Increase in accrued interest payable and other liabilities | |
| Net cash provided by operating activities | |
| Cash flows from investing activities: | |
| Purchases of premises and equipment | |
| Purchase of bank owned life insurance | |
| Proceeds from sales of securities available for sale | |
| Purchase of securities available for sale | |
| Maturities and repayments of investment securities available for sale | |
| Proceeds from sales of securities held to maturity | |
| Maturities and repayments of investment securities held to maturity | |
| Purchase of FHLB stock | |
| Purchased loans | |
| Net change in loans | |
| Net cash used in investing activities | |
| Cash flows from financing activities: | |
| Net increase in deposits | |
| Increase (decrease) in short-term borrowings | |
| Repayment of stock option loans and other | |
| Net proceeds from issuance of common stock | |
| Net cash provided by financing activities | |
| Net (decrease) increase in cash and cash equivalents | |
| Cash and cash equivalents beginning of period | |
| Cash and cash equivalents end of period | |
| Supplemental Cash Flow Information | |
| Cash payments for interest | |
| Cash payments for income tax | |
| Supplemental schedule of noncash investing and financing activities | |
| Loans transferred to other real estate owned | |
| Loans held for sale transferred to held for investment | |
| Investment in BankCard Services LLC |
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