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Bank First Corp (BFC)

Bank First Corp (BFC)

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Cash Flow Overview

Free Cash flow
$20,682K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from sales of mortgage ...
    • Net income
    • Maturities, prepayments, and cal...
    • Others
Negative Cash Flow Breakdown
    • Net decrease in deposits
    • Originations of mortgage loans h...
    • Repurchase of common stock
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
24,691
19,988
18,390
17,990
Loans
-
-
0
250
Unfunded commitments
-
-
0
400
Provision for credit losses
-
-
0
650
Depreciation and amortization of premises and equipment
759
724
623
613
Termination of lease
0
1,586
-
-
Amortization of intangibles
2,547
2,572
1,204
1,228
Net accretion of securities
2,081
2,145
623
694
Amortization of stock-based compensation
624
579
550
551
Accretion of purchase accounting valuations
-2,626
-3,658
-532
-702
Net change in deferred loan fees and costs
-37
748
455
-45
Expense (benefit) from deferred income taxes
-
-
180
-
Change in fair value of msr and other investments
752
341
91
579
Loss from sale and disposal of premises and equipment
-
-
-880
-4
Net gain on sale of oreo and valuation allowance
28
191
0
0
Proceeds from sales of mortgage loans
66,116
61,342
63,443
45,811
Originations of mortgage loans held for sale
60,547
63,774
64,861
44,237
Gain on sales of mortgage loans
661
1,076
649
482
Realized loss on sale of securities
0
-31
-
-
Undistributed earnings of joint venture-Ansay Associates Llc
-
-
3,915
-
Undistributed income of ansay joint venture
866
-2,673
-
1,314
Net earnings on life insurance
768
743
448
443
Decrease (increase) in other assets
776
-8,103
1,257
-1,236
Decrease in other liabilities
-1,227
-32,925
12,922
-4,226
Net cash provided by operating activities
24,442
-11,651
29,009
15,451
Sales
0
8,920
-
-
Maturities, prepayments, and calls
12,632
17,621
12,839
10,853
Purchases
17,349
27,189
4,980
5,016
Net decrease (increase) in loans
4,408
-73,635
-25,908
48,644
Dividends received from ansay
691
691
662
634
Proceeds from sale of oreo
798
991
0
0
Proceeds from sale of federal home loan bank stock
359
3,920
-
-
Net (purchase) sales of federal home loan bank ('fhlb') stock
-
-
-3,490
3,411
Net purchases of federal reserve bank ('frb') stock
31
3,996
-
-
Proceeds from life insurance
155
-
137
0
Proceeds from sale of premises and equipment
75
1
0
0
Purchases of premises and equipment
3,760
5,241
2,693
2,977
Net cash received in business combination
0
169,493
-
-
Net cash provided by (used in) investing activities
-10,838
238,846
35,363
-48,561
Net decrease in deposits
-99,335
14,649
157,015
-56,683
Proceeds from advances of notes payable
-
-
120,000
100,000
Repayment of notes payable
20,000
77,814
220,000
0
Dividends paid
6,094
5,611
4,437
4,425
Proceeds from sales of common stock
74
88
72
74
Repurchase of common stock
20,364
3,076
-1
0
Net cash used in financing activities
-145,719
-71,764
52,651
38,966
Net increase (decrease) in cash and cash equivalents
-132,115
155,431
117,023
5,856
Cash and cash equivalents at beginning of period
398,638
243,207
126,184
261,332
Cash and cash equivalents at end of period
266,523
398,638
243,207
126,184
Interest
41,195
-
-
-
Income taxes
8,588
-
-
-
Closed branch building transferred to oreo
3,990
-
-
-
Change in unrealized loss on investment securities available for sale, net of tax
-3,895
-
-
-
Fair value of assets acquired
1,581,684
-
-
-
Net assets acquired
98,518
-
-
-
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 from sales ofmortgage loans$66,116K (10.04%↑ Y/Y)Net income$24,691K (-29.69%↓ Y/Y)Amortization of intangibles$2,547K (-0.93%↓ Y/Y)Depreciation andamortization of premises and...$759K (-35.79%↓ Y/Y)Amortization of stock-basedcompensation$624K (-39.71%↓ Y/Y)Net change indeferred loan fees and...-$37K (-110.22%↓ Y/Y)Net cash provided byoperating activities$24,442K (35.62%↑ Y/Y)Canceled cashflow$70,332K Net increase(decrease) in cash and cash...-$132,115K (6.30%↑ Y/Y)Canceled cashflow$24,442K Proceeds from sales ofcommon stock$74K (-87.48%↓ Y/Y)Maturities, prepayments,and calls$12,632K (-95.21%↓ Y/Y)Proceeds from sale of oreo$798K (-11.33%↓ Y/Y)Dividends received fromansay$691K (-45.50%↓ Y/Y)Proceeds from sale offederal home loan bank...$359K Proceeds from lifeinsurance$155K (-91.84%↓ Y/Y)Proceeds from sale ofpremises and equipment$75K (7400.00%↑ Y/Y)Originations of mortgageloans held for sale$60,547K (-1.69%↓ Y/Y)Accretion of purchaseaccounting valuations-$2,626K (-58.48%↓ Y/Y)Net accretion ofsecurities$2,081K (-0.53%↓ Y/Y)Decrease in otherliabilities-$1,227K (89.02%↑ Y/Y)Undistributed income of ansayjoint venture$866K (-62.90%↓ Y/Y)Decrease (increase) inother assets$776K (-35.87%↓ Y/Y)Net earnings on lifeinsurance$768K (11.63%↑ Y/Y)Change in fair value ofmsr and other...$752K (13.94%↑ Y/Y)Gain on sales ofmortgage loans$661K (-1.64%↓ Y/Y)Net gain on sale oforeo and valuation...$28K (-82.39%↓ Y/Y)Net cash used infinancing activities-$145,719K (6.74%↑ Y/Y)Canceled cashflow$74K Net cash provided by(used in) investing...-$10,838K (-291.40%↓ Y/Y)Canceled cashflow$14,710K Net decrease indeposits-$99,335K (-51.29%↓ Y/Y)Repurchase of common stock$20,364K (-7.62%↓ Y/Y)Repayment of notes payable$20,000K (-21.59%↓ Y/Y)Dividends paid$6,094K (-86.04%↓ Y/Y)Purchases$17,349K (-91.44%↓ Y/Y)Net decrease(increase) in loans$4,408K (-92.88%↓ Y/Y)Purchases of premises andequipment$3,760K (-34.88%↓ Y/Y)Net purchases offederal reserve bank...$31K