$PNBK Cashflow Statement | Understand Stock

$PNBK

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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) income
Adjustments to reconcile net loss to net cash provided by (used in) operating activities:
Accretion of investment premiums and discounts, net
Amortization and accretion of purchase loan premiums and discounts, net
Amortization of debt issuance costs
Amortization of core deposit intangible
Amortization of servicing assets of sold SBA loans
Impairment of intangible assets
Purchase price adjustment expense related to acquisition activity
Provision for credit losses
Depreciation and amortization
Loss (gain) on sales of available-for-sale securities
Gain on sale of premises and equipment
Share-based compensation
(Increase) decrease in deferred income taxes, net
Decrease (increase) in deferred tax assets
Increase in deferred tax liabilities
Total (Increase) decrease in deferred income taxes, net
Originations of loans held for sale, net
Proceeds from sale of loans held for sale
Gains on sale of loans held for sale, net
Net gain on sale and write-down of other real estate owned
Changes in assets and liabilities:
Decrease in accrued interest and dividends receivable
(Increase) decrease in other assets
Decrease in accrued expenses and other liabilities

Net cash provided by (used in) operating activities
Cash Flows from Investing Activities:
Proceeds from maturity or sales on available-for-sale securities
Principal repayments on available-for-sale securities
Purchases of available-for-sale securities
Proceeds from maturity of other investments
(Purchases) redemptions of Federal Reserve Bank stock
(Purchases) redemptions of Federal Home Loan Bank stock
Decrease in originated loans receivable, net
Origination of loans receivable
Purchases of loans receivable
Payments received on loans receivable
Purchases of premises and equipment
Proceeds from sale of premises and equipment
Proceeds from sale of other real estate owned
Refund of escrow deposit related to acquisition activity
Net cash provided by (used in) investing activities

Cash Flows from Financing Activities:
Increase (decrease) in deposits, net
Increase (decrease) in deposits, net
Increase in purchased deposits
Increase (decrease) in FHLB, FRB and correspondent bank borrowings
Repayments of FHLB borrowings
(Repayments) proceeds from FHLB daily borrowing, net
Repayments of FHLB long term borrowings
Proceeds from FRB and correspondent bank borrowings
Repayments of FRB and correspondent bank borrowings
Principal repayments of senior notes
Proceeds from issuance of senior notes
Principal repayments of note payable
Increase in advances from borrowers for taxes and insurance
Dividends paid on common stock
Private Placement Costs for preferred stock
Proceeds from common stock issuance
Net cash (used in) provided by financing activities

Net increase (decrease) in cash, cash equivalents and restricted cash
Cash and cash equivalents at end of period
Cash, cash equivalents and restricted cash at beginning of period
Cash, cash equivalents and restricted cash at end of period
Supplemental Disclosures of Cash Flow Information:
Cash paid for interest
Cash paid (refund) for income taxes, net
Non-cash transactions:
Increase in premises and equipment
Reclass of premises and equipment to implementation cost
Increase in accrued expense and other liabilities
Purchases of available-for-sale securities
Change in unrealized loss (gain) on available-for-sale securities, net of tax
Transfers of loans held for sale to loans receivable
Transfers of loans receivable to loans held for sale
Transfers of loans receivable to OREO
Capitalized servicing assets
(Decrease) increase in interest rate swaps assets
Decrease (increase) in interest rate swaps liabilities
Deferred cost related to capital raise
Accrued expense related to capital raise

Contingent liability assumed in business combination
Decrease in escrow deposit related to acquisition activity
Decrease in liabilities related to acquisition activity
Decrease in contingent consideration related to acquisition activity
Capitalized project costs
Retained beneficial interest
Operating lease right-of-use assets / liabilities
Accrued rent payable - adoption ASC 842
Transfers of SBA loans held for sale to loans receivable
Transfers of loans receivable to loans held for sale
Operating lease right-of-use assets
Operating lease liabilities
Increase (decrease) in interest rate swaps
Deferred cost for capital raise
Deferred debt issuance costs
Decrease in premises and equipment recorded under other liabilities
Reclassification of premises and equipment to implementation cost
Senior debt conversion to common stock
Subordinated debt conversion to common stock
Accrued interest capitalized into principal
Preferred Stock conversion to Common Stock
Decrease in escrow deposit related to acquisition activity
Decrease in liabilities related to acquisition activity
Decrease in contingent consideration related to acquisition activity
Expected credit loss for loans - ASC 326 adoption
Expected credit loss for unfunded loan commitments - ASC 326 adoption
Deferred tax assets - ASC 326 adoption
Retained earnings adjustment - ASC 326 adoption

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