For the quarter ending 2025-09-30, BCML had -$63,178K decrease in cash & cash equivalents over the period. $6,229K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 5,007 | 12,066 |
| Provision for credit losses | 2,973 | 845 |
| Deferred tax expense | 694 | 801 |
| Amortization (accretion) on acquired loans | 173 | 7 |
| Gain on sale of loans | -1 | 252 |
| Proceeds from sale of loans originated for sale | 0 | 4,496 |
| Loans originated for sale | 0 | 3,372 |
| Accretion on junior subordinated debentures | 20 | 41 |
| Increase in cash surrender value of life insurance policies | 194 | 377 |
| Amortization/accretion of premiums/discounts on investment securities, net | -38 | -57 |
| Gain on equity securities | 771 | -248 |
| Depreciation and amortization | 1,494 | 966 |
| Core deposit intangible amortization | 242 | 506 |
| Stock based compensation expense | 173 | 302 |
| Decrease in deferred loan origination fees, net | 29 | 476 |
| Net change in interest receivable and other assets | 1,934 | -2,945 |
| Increase in salary continuation plan, net | 131 | 123 |
| Net change in interest payable and other liabilities | -673 | -3,278 |
| Net cash provided by operating activities | 7,345 | 15,648 |
| Proceeds from maturities of interest bearing deposits in banks | 0 | 249 |
| Purchase of investment securities afs | 7,989 | 3,580 |
| Proceeds from maturities, repayments and calls of investment securities afs | 8,491 | 16,201 |
| Purchase of fhlb stock | 0 | 211 |
| Purchase of frb stock | 4 | 8 |
| Purchase of loans | 3,989 | 20,644 |
| (increase) decrease in loans, net | 39,539 | 24,940 |
| Purchase of equipment and leasehold improvements, net | 1,116 | 892 |
| Net cash used in investing activities | -44,146 | -33,825 |
| Decrease in noninterest and interest bearing deposits in banks, net | 31,040 | -47,807 |
| Increase in time deposits, net | 10,378 | 432 |
| Repayment of subordinated debt, net | 64,685 | - |
| Repurchase of common stock | 909 | 5,187 |
| Dividends paid on common stock | 2,201 | 1,669 |
| Net cash used in financing activities | -26,377 | -54,231 |
| Decrease in cash and cash equivalents | -63,178 | -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)