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Cash Flow Overview

Free Cash flow
$17,918K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net increase (decrease) in short...
    • Proceeds on loans held for sale
    • Purchases of fhlb stock
    • Others
Negative Cash Flow Breakdown
    • Net increase (decrease) in depos...
    • Originations of loans held for s...
    • Sales of fhlb stock
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
20,865
22,971
-33,052
16,924
Deferred income taxes
3,009
2,983
-2,119
1,117
Provision for (recovery of) credit losses
495
-4,883
-307
0
Depreciation and amortization
3,379
3,283
3,772
3,885
Amortization and accretion of premiums/discounts on investment securities
-29
-26
-198
-196
Amortization of operating lease right-of-use assets
630
2,496
757
1,283
Share-based compensation expense
928
751
672
780
Purchase accounting accretion, net
-3,839
-3,019
-5,126
-4,016
Originations of loans held for sale
103,613
94,434
309,249
7,272
Proceeds on loans held for sale
101,563
96,373
308,098
11,467
Realized loss (gain) on mortgage loans sold
2,237
2,359
1,028
3,531
Realized loss (gain) on non-mortgage loans sold
-
-
2,080
-
Servicing rights capitalized upon sale of mortgage loans
-45
-11
-11
-53
(increase) in value of bank-owned life insurance
346
168
310
383
Realized loss (gain) on sale of premises and equipment
653
-21
-530
84
Realized loss (gain) on derivative instruments
-221
261
-111
21
Realized loss (gain) on sale of foreclosed assets
38
-23
-14
-39
Realized loss (gain) on sale of investment securities
-
-
-68,403
-
Realized loss (gain) on boli mortality
-
-
0
-
Change in fair value of mortgage servicing rights
362
221
-336
-529
Realized loss (gain) on servicing rights
-
-
0
0
Realized loss (gain) on sale of esop trustee line of business
-
-
0
-
Accrued interest receivable
-256
-1,273
140
718
Other assets
6,397
-5,074
10,638
-1,598
Accrued expenses and other liabilities
4,759
-2,105
-2,490
11,041
Net cash provided (used) by operating activities
18,604
27,813
16,340
32,781
Proceeds from sales of trading investment securities
2,273
926
0
783
Purchases of trading investment securities
795
1,011
314
528
Proceeds from sales or calls of investment securities available-for-sale
3,000
0
376,617
800
Proceeds from maturities of investment securities available-for-sale
18,948
15,890
19,022
16,777
Purchases of investment securities available-for-sale
35,178
27,370
377,565
-
Proceeds from calls of investment securities held-to-maturity
0
340
35
200
Proceeds from maturities and paydowns of investment securities held-to-maturity
4,754
6,490
4,521
4,052
Proceeds from sale of non-mortgage loans held for sale
0
-
0
50,160
Net (increase) decrease in loans
7,874
-9,271
-58,080
51,804
Purchases of fhlb stock
-81,464
146,149
146,149
-
Sales of fhlb stock
-78,788
141,837
141,837
-
Net (increase) decrease in fhlb stock
-
-
-
-5,140
Net cash received (paid) for business combinations
-
-
0
-
Purchases of boli
2,073
0
0
1
Proceeds from sale of premises and equipment
-
-
-
0
Proceeds from boli mortality claim
-
-
0
-
Purchases of premises and equipment
686
2,027
1,048
2,466
Proceeds from sales of foreclosed assets
231
159
1,554
340
Net cash provided (used) by investing activities
-14,724
-1,644
75,955
23,453
Net increase (decrease) in deposits
-155,985
155,879
-220,650
75,185
Net increase (decrease) in short-term borrowings with maturities of three months or less
145,000
-108,800
108,800
-114,600
Cash dividends paid on common stock
5,603
5,078
5,077
5,338
Repurchase of common stock
7,106
6,536
219
342
Net cash provided (used) by financing activities
-23,694
35,465
-117,146
-45,095
Net change in cash and cash equivalents
-19,814
61,634
-24,851
11,139
Cash and cash equivalents at beginning of period
128,826
67,192
92,043
61,239
Cash and cash equivalents at end of period
109,012
128,826
67,192
92,043
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Proceeds on loans held forsale$101,563K (-12.33%↓ Y/Y)Net income$20,865K (-37.84%↓ Y/Y)Accrued expenses andother liabilities$4,759K (148.56%↑ Y/Y)Depreciation andamortization$3,379K (-55.90%↓ Y/Y)Deferred income taxes$3,009K (-56.35%↓ Y/Y)Share-based compensationexpense$928K (-25.58%↓ Y/Y)Amortization of operatinglease right-of-use...$630K (975.00%↑ Y/Y)Provision for (recoveryof) credit losses$495K (-42.64%↓ Y/Y)Accrued interestreceivable-$256K (-131.64%↓ Y/Y)Realized loss (gain) onderivative instruments-$221K (-145.66%↓ Y/Y)Amortization and accretion ofpremiums/discounts on investment...-$29K (92.31%↑ Y/Y)Net cash provided(used) by operating...$18,604K (1.06%↑ Y/Y)Canceled cashflow$117,530K Net change in cashand cash...-$19,814K (-200.76%↓ Y/Y)Canceled cashflow$18,604K Net increase(decrease) in short-term...$145,000K (91.70%↑ Y/Y)Purchases of fhlb stock-$81,464K Proceeds from maturitiesof investment...$18,948K (-59.48%↓ Y/Y)Proceeds from maturitiesand paydowns of...$4,754K (-57.79%↓ Y/Y)Proceeds from sales orcalls of investment...$3,000K (-84.21%↓ Y/Y)Proceeds from sales oftrading investment...$2,273K (-58.29%↓ Y/Y)Proceeds from sales offoreclosed assets$231K (-52.27%↓ Y/Y)Originations of loans held forsale$103,613K (-8.52%↓ Y/Y)Other assets$6,397K (184.69%↑ Y/Y)Purchase accountingaccretion, net-$3,839K (77.98%↑ Y/Y)Realized loss (gain) onmortgage loans sold$2,237K (-49.22%↓ Y/Y)Realized loss (gain) onsale of premises and...$653K (877.38%↑ Y/Y)Change in fair value ofmortgage servicing...$362K (143.35%↑ Y/Y)(increase) in value ofbank-owned life insurance$346K (-6.49%↓ Y/Y)Servicing rightscapitalized upon sale of...-$45K (55.45%↑ Y/Y)Realized loss (gain) onsale of foreclosed...$38K (280.95%↑ Y/Y)Net cash provided(used) by financing...-$23,694K (-198.26%↓ Y/Y)Canceled cashflow$145,000K Net cash provided(used) by investing...-$14,724K (35.58%↑ Y/Y)Canceled cashflow$110,670K Net increase(decrease) in deposits-$155,985K (-280.99%↓ Y/Y)Repurchase of common stock$7,106K (3937.50%↑ Y/Y)Cash dividends paidon common stock$5,603K (-46.17%↓ Y/Y)Sales of fhlb stock-$78,788K Purchases of investmentsecurities...$35,178K Net (increase)decrease in loans$7,874K (-92.33%↓ Y/Y)Purchases of boli$2,073K (-6.20%↓ Y/Y)Purchases of tradinginvestment securities$795K (-78.68%↓ Y/Y)Purchases of premises andequipment$686K (-86.77%↓ Y/Y)

ALERUS FINANCIAL CORP (ALRS)

ALERUS FINANCIAL CORP (ALRS)