| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 17,073 | 12,066 |
| Provision for credit losses | 3,818 | 845 |
| Deferred tax expense | 1,495 | 801 |
| Amortization (accretion) on acquired loans | 180 | 7 |
| Gain on sale of loans | 251 | 252 |
| Proceeds from sale of loans originated for sale | 4,496 | 4,496 |
| Loans originated for sale | 3,372 | 3,372 |
| Accretion on junior subordinated debentures | 61 | 41 |
| Increase in cash surrender value of life insurance policies | 571 | 377 |
| Amortization/accretion of premiums/discounts on investment securities, net | -95 | -57 |
| Gain on equity securities | 523 | -248 |
| Depreciation and amortization | 2,460 | 966 |
| Core deposit intangible amortization | 748 | 506 |
| Stock based compensation expense | 475 | 302 |
| Decrease in deferred loan origination fees, net | 505 | 476 |
| Net change in interest receivable and other assets | -1,011 | -2,945 |
| Increase in salary continuation plan, net | 254 | 123 |
| Net change in interest payable and other liabilities | -3,951 | -3,278 |
| Net cash provided by operating activities | 22,993 | 15,648 |
| Proceeds from maturities of interest bearing deposits in banks | 249 | 249 |
| Purchase of investment securities afs | 11,569 | 3,580 |
| Proceeds from maturities, repayments and calls of investment securities afs | 24,692 | 16,201 |
| Purchase of fhlb stock | 211 | 211 |
| Purchase of frb stock | 12 | 8 |
| Purchase of loans | 24,633 | 20,644 |
| (increase) decrease in loans, net | 64,479 | 24,940 |
| Purchase of equipment and leasehold improvements, net | 2,008 | 892 |
| Net cash used in investing activities | -77,971 | -33,825 |
| Decrease in noninterest and interest bearing deposits in banks, net | -16,767 | -47,807 |
| Increase in time deposits, net | 10,810 | 432 |
| Repayment of subordinated debt, net | 64,685 | - |
| Repurchase of common stock | 6,096 | 5,187 |
| Dividends paid on common stock | 3,870 | 1,669 |
| Net cash used in financing activities | -80,608 | -54,231 |
| Decrease in cash and cash equivalents | -135,586 | -72,408 |
| Cash and cash equivalents at beginning of period | 364,032 | - |
| Cash and cash equivalents at end of period | 228,446 | - |
BayCom Corp (BCML)
BayCom Corp (BCML)