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Cash Flow Overview

Free Cash flow
$21,766K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net change in short-term borrowi...
    • Proceeds from loans held for sal...
    • Proceeds from maturities, calls ...
    • Others
Negative Cash Flow Breakdown
    • Net change in loans
    • Purchases of available-for-sale ...
    • Originations of loans held for s...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
15,221
13,537
11,761
8,855
Net change in loans held for sale
-
-
-
2,716
Provision for credit losses on loans
1,250
305
416
3,749
Provision for credit losses on available-for-sale debt securities
-
-
0
0
Net (accretion) amortization of securities
430
411
472
333
Deferred tax (benefit) expense
-
-
-64
-
Change in unamortized net loan costs and premiums
-27
94
114
106
Premises and equipment depreciation
1,088
1,134
1,153
1,078
Stock-based compensation expense
1,283
825
943
932
Accretion of purchase accounting entries, net
1,346
780
1,735
1,526
Amortization of other intangibles
582
582
582
932
Income from cash surrender value of bank-owned life insurance policies
1,417
1,987
695
665
Loss (gain) on available-for-sale debt securities
-25
-1,008
-428
41
Decrease (increase) right-of-use lease assets
-357
-376
-481
-674
(decrease) increase in lease liabilities
-335
-348
-629
-650
(gain) loss and other expenses on other real estate owned
-273
-
-
-
Loss on premises and equipment, net
0
-134
-370
206
Originations of loans held for sale
24,084
23,254
57,538
-
Proceeds from loans held for sale
26,334
16,494
53,326
-
Net change in other assets and liabilities
-6,556
2,500
-4,632
-7,022
Net cash provided by operating activities
25,384
5,021
17,155
16,533
Proceeds from maturities, calls and prepayments of available-for-sale debt securities
25,025
19,316
26,588
31,560
Proceeds from sales of available-for-sale debt securities
970
-
2,572
40,987
Purchases of available-for-sale debt securities
27,402
25,192
23,279
15,128
Purchase of loans held for investment
0
12,035
-
-
Net change in loans
39,299
-19,921
20,825
15,212
Purchase of federal home loan bank stock
9,725
4,537
2,748
394
Proceeds from redemption of federal home loan bank stock
5,869
6,278
0
8,899
Purchase of premises and equipment
3,618
2,021
178
1,100
Proceeds from sale of premises held for sale
-
-
-191
597
Cash received from acquisitions, net
-
-
0
77,521
Proceeds from death benefit of bank-owned life insurance policy
0
8,420
-
-
Net cash used in investing activities
-48,180
10,150
-18,061
127,730
Net change in deposits
-13,766
46,433
-126,914
124,919
Net change in short-term borrowings
65,254
-54,537
307,007
-185,632
Repayments of long-term borrowings
-
-
489
-14,959
Net issuance to employee stock plans
-790
-285
-358
-613
Cash dividends paid on common stock
5,729
5,404
5,375
5,369
Net cash provided by financing activities
44,969
-13,793
-54,971
-94,584
Net change in cash and cash equivalents
22,173
1,378
-55,877
49,679
Cash and cash equivalents at beginning of year
82,215
80,837
136,714
72,162
Cash and cash equivalents at end of period
104,388
82,215
80,837
136,714
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

Net change inshort-term borrowings$65,254K (1109.34%↑ Y/Y)Proceeds from loans heldfor sale$26,334K Net income$15,221K (-6.64%↓ Y/Y)Net change in otherassets and liabilities-$6,556K (-169.72%↓ Y/Y)Stock-based compensationexpense$1,283K (6.38%↑ Y/Y)Provision for creditlosses on loans$1,250K (165.39%↑ Y/Y)Premises and equipmentdepreciation$1,088K (-47.49%↓ Y/Y)Amortization of otherintangibles$582K (24.89%↑ Y/Y)Decrease (increase)right-of-use lease assets-$357K (-143.59%↓ Y/Y)(gain) loss and otherexpenses on other real...-$273K Change in unamortizednet loan costs and...-$27K (83.83%↑ Y/Y)Loss (gain) onavailable-for-sale debt securities-$25K (99.49%↑ Y/Y)Net cash provided byfinancing activities$44,969K (111.68%↑ Y/Y)Net cash provided byoperating activities$25,384K (74.01%↑ Y/Y)Canceled cashflow$20,285K Canceled cashflow$27,612K Net change in cashand cash...$22,173K (49.08%↑ Y/Y)Canceled cashflow$48,180K Net change indeposits-$13,766K (-156.65%↓ Y/Y)Cash dividends paidon common stock$5,729K (-40.69%↓ Y/Y)Net issuance toemployee stock plans-$790K (-648.61%↓ Y/Y)Proceeds frommaturities, calls and...$25,025K (-39.92%↓ Y/Y)Proceeds from redemptionof federal home...$5,869K (-27.77%↓ Y/Y)Proceeds from sales ofavailable-for-sale debt securities$970K Originations of loans held forsale$24,084K Income from cashsurrender value of...$1,417K (16.53%↑ Y/Y)Accretion of purchaseaccounting entries, net$1,346K Net (accretion)amortization of securities$430K (205.91%↑ Y/Y)(decrease) increase inlease liabilities-$335K (-139.04%↓ Y/Y)Net cash used ininvesting activities-$48,180K (-129.88%↓ Y/Y)Canceled cashflow$31,864K Net change in loans$39,299K (547.96%↑ Y/Y)Purchases ofavailable-for-sale debt securities$27,402K (-47.86%↓ Y/Y)Purchase of federal homeloan bank stock$9,725K (13.31%↑ Y/Y)Purchase of premises andequipment$3,618K (2.41%↑ Y/Y)

BAR HARBOR BANKSHARES (BHB)

BAR HARBOR BANKSHARES (BHB)