For the year ending 2025-12-31, BCML had -$157,518K decrease in cash & cash equivalents over the period. $30,085K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 23,931 |
| Provision for credit losses | 4,068 |
| Deferred tax (benefit) expense | -503 |
| Amortization (accretion) on acquired loans | 239 |
| Gain on sale of loans | 268 |
| Proceeds from sale of loans originated for sale | 4,747 |
| Loans originated for sale | 3,560 |
| Amortization on junior subordinated debentures | 1,030 |
| Increase in cash surrender value of life insurance policies | 762 |
| Amortization/accretion of premiums/discounts on investment securities, net | -136 |
| Loss (gain) on equity securities | -230 |
| Depreciation and amortization | 2,043 |
| Core deposit intangible amortization | 948 |
| Stock based compensation expense | 653 |
| Decrease in deferred loan origination fees, net | 495 |
| Net change in interest receivable and other assets | -3,655 |
| Increase in salary continuation plan, net | 385 |
| Net change in interest payable and other liabilities | -4,646 |
| Net cash provided by operating activities | 31,831 |
| Proceeds from maturities of interest bearing deposits in banks | 249 |
| Purchase of investment securities afs | 15,614 |
| Proceeds from maturities, repayments and calls of investment securities afs | 38,574 |
| Purchase of fhlb stock | 211 |
| Redemption (purchase) of frb stock | -1,923 |
| Proceeds from sale of loans held for investment | 2,436 |
| Purchase of loans | 31,016 |
| (increase) decrease in loans, net | 85,381 |
| Purchase of equipment and leasehold improvements, net | 1,746 |
| Net cash (used in) provided by investing activities | -90,786 |
| (decrease) increase in noninterest and interest bearing deposits in banks, net | -31,149 |
| Increase in time deposits, net | 10,780 |
| Repayment of subordinated debt | 64,685 |
| Repurchase of common stock | 6,909 |
| Dividends paid on common stock | 6,600 |
| Net cash (used in) provided by financing activities | -98,563 |
| Decrease in cash and cash equivalents | -157,518 |
| Cash and cash equivalents at beginning of period | 364,032 |
| Cash and cash equivalents at end of period | 206,514 |
BayCom Corp (BCML)
BayCom Corp (BCML)