| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income (loss) | 3,866 | -3,660 |
| Provision for credit losses on loans | 75 | 75 |
| Reversal of provision for credit losses on unfunded loan commitments | 0 | - |
| Noncash contribution expense to employee stock ownership plan | 1,268 | 846 |
| Noncash director compensation expense | 469 | 255 |
| Stock-based compensation expense | 589 | 363 |
| Amortization of core deposit intangible | 664 | 447 |
| Amortization of investment security premiums, net of accretion of discounts | -666 | -559 |
| Accretion of discounts on acquired loans, net | 123 | 82 |
| Net change in deferred loan origination costs/fees | 27 | 64 |
| Loss on sale of investment securities | -18,736 | -18,736 |
| Depreciation and amortization | 932 | 642 |
| Loss on disposal of premises and equipment | -11 | -1 |
| Earnings on bank-owned life insurance policies | 1,339 | 1,211 |
| Earnings on bank-owned life insurance death benefits | 306 | - |
| Net changes in interest receivable and other assets | -1,347 | 1,396 |
| Net changes in interest payable and other liabilities | -1,372 | -2,535 |
| Total adjustments | 21,590 | 16,636 |
| Net cash provided by operating activities | 25,456 | 12,976 |
| Purchase of available-for-sale securities | 421,796 | 252,714 |
| Proceeds from sale of available-for-sale securities | 167,017 | 167,017 |
| Proceeds from paydowns/maturities of held-to-maturity securities | 67,855 | 56,140 |
| Proceeds from paydowns/maturities of available-for-sale securities | 104,017 | 83,939 |
| (increase) decrease in loans receivable, net | -7,398 | 9,062 |
| Purchase of loans | 226 | - |
| Purchase of bank-owned life insurance policies | 0 | 0 |
| Proceeds from bank-owned life insurance policies | 1,805 | 1,805 |
| Purchase of premises and equipment | 1,692 | 1,281 |
| Proceeds from sale of premises and equipment | 0 | - |
| Cash paid for low income housing tax credit investment | 0 | 0 |
| Net cash provided by investing activities | -90,418 | 63,968 |
| Net increase in deposits | 162,561 | 25,033 |
| Repayment of short-term borrowings, net | 0 | 0 |
| Repayment of finance lease obligations | 97 | 77 |
| Restricted stock surrendered for tax withholdings upon vesting | 103 | 104 |
| Cash dividends paid on common stock | 12,103 | 8,079 |
| Stock repurchased | 3,293 | 2,175 |
| Proceeds from stock issued under employee and director stock purchase plans | 26 | 17 |
| Net cash used in financing activities | 146,991 | 14,615 |
| Net increase in cash, cash equivalents and restricted cash | 82,029 | 91,559 |
| Cash and cash equivalents at beginning of period | 137,304 | - |
| Cash and cash equivalents at end of period | 219,333 | - |
Bank of Marin Bancorp (BMRC)
Bank of Marin Bancorp (BMRC)