$PBHC Cashflow Statement | Understand Stock

$PBHC

$16.72 -$0.07 (0.42%) Close

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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
OPERATING ACTIVITIES
Net Income Loss
Adjustments to reconcile net (loss) income to net cash flows from operating activities:
Provision for credit losses
Deferred income tax expense
Proceeds from sales of loans held-for-sale
Originations of loans held-for-sale
Realized (gains) losses on sales, redemptions and calls of:
Foreclosed real estate
Loss on sale of premises and equipment
Loans
Available-for-sale investment securities
Held-to-maturity investment securities
Premises and equipment
Marketable equity securities
Impairment of asset
Marketable securities
Gain on sale of subsidiary, attributable to Pathfinder Bancorp, Inc.
Depreciation
Amortization of mortgage servicing rights
Amortization of deferred loan fees and costs
Amortization of operating and finance leases, net
Amortization of deferred financing fees from subordinated debt
Earnings on bank owned life insurance
Net amortization of premiums and discounts on investment securities
Net amortization of premiums on intangible assets
Stock based compensation and ESOP expense
Net change in accrued interest receivable
Payment of executive deferred compensation and SERP contracts, expensed in prior periods
Net change in other assets and liabilities
Net cash inflows from operating activities

INVESTING ACTIVITIES
Purchase of available-for-sale securities
Purchase of held-to-maturity securities
Purchase of marketable securities
Purchase of Federal Home Loan Bank stock
Proceeds from redemption of Federal Home Loan Bank stock
Proceeds from maturities and principal reductions of available-for-sale securities
Proceeds from maturities and principal reductions of held-to-maturity securities
Proceeds from sale of subsidiary
Proceeds from sales, redemptions and calls of:
Available-for-sale securities
Held-to-maturity securities
Loans held-for-sale
Real estate acquired through foreclosure
Marketable securities
Purchase of bank owned life insurance

Net change in loans
Acquisition of core deposit intangible asset
Proceeds from sale of assets held-for-sale
Purchase of premises and equipment
Insurance proceeds from fixed assets
Disposal of premises and equipment
Net cash inflows (outflows) from investing activities
FINANCING ACTIVITIES
Net change in demand deposits, NOW accounts, savings accounts, money management deposit accounts, MMDA accounts and escrow deposits
Net change in time deposits
Net change in brokered deposits
Net change in short-term borrowings
Payments on long-term borrowings
Proceeds from long-term borrowings
Payments On Sub Debt Borrowings
Proceeds from exercise of stock options
Proceeds from subordinated loan
Payments on subordinated loan
Issuance costs of subordinated loan
Cash dividends paid to common voting shareholders
Cash dividends paid to common non-voting shareholders
Cash dividends paid to preferred shareholders
Cash dividends paid on warrants
Change in noncontrolling interest, net
Net cash outflows from financing activities

Change in cash and cash equivalents
Cash and cash equivalents at beginning of year
Cash and cash equivalents at end of year
CASH PAID DURING THE PERIOD FOR:
Interest
Income taxes
NON-CASH INVESTING ACTIVITY
Transfer of loans to loans held-for-sale
Real estate acquired in exchange for loans
Transfer from net premises for held for sale investment
RESTRICTED CASH
Collateral deposits for hedge position included in cash and due from banks

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