For the year ending 2025-12-31, BMRC had $87,999K increase in cash & cash equivalents over the period. $37,257K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net (loss) income | -35,675 |
| Provision for credit losses on loans | 375 |
| Provision for (reversal of) credit losses on unfunded loan commitments | 185 |
| Noncash contribution expense to employee stock ownership plan | 1,476 |
| Noncash director compensation expense | 469 |
| Stock-based compensation expense | 815 |
| Amortization of core deposit intangible | 875 |
| Amortization of investment security premiums, net of accretion of discounts | -734 |
| (accretion of discounts) amortization of premiums on acquired loans, net | 134 |
| Accretion of discount on subordinated notes | 22 |
| Issuance costs offset to subordinated notes | 1,165 |
| Net change in deferred loan origination costs/fees | -302 |
| Write-down of other real estate owned | 0 |
| Net losses on sale of investment securities | -88,202 |
| Depreciation and amortization | 1,264 |
| Loss on disposal of premises and equipment | -9 |
| Earnings on bank-owned life insurance policies | 1,779 |
| Earnings on bank-owned life insurance death benefits | 306 |
| Net changes in interest receivable and other assets | 17,181 |
| Net changes in interest payable and other liabilities | 588 |
| Total adjustments | 74,751 |
| Net cash provided by operating activities | 39,076 |
| Proceeds from sale of premises and equipment | 0 |
| Purchase of available-for-sale securities | 1,068,748 |
| Proceeds from sale of available-for-sale securities | 167,017 |
| Proceeds from sale of available-for-sale securities transferred from held-to-maturity | 523,688 |
| Proceeds from paydowns/maturities of held-to-maturity securities | 82,081 |
| Proceeds from paydowns/maturities of available-for-sale securities | 162,491 |
| Proceeds from sale of visa inc. class b restricted common stock | 0 |
| (increase) decrease in loans receivable, net | -38,270 |
| Purchased loans | 226 |
| Proceeds from sale of loan | 0 |
| Purchase of bank-owned life insurance policies | 0 |
| Proceeds from bank-owned life insurance policies | 1,805 |
| Purchase of premises and equipment | 1,819 |
| Proceeds from sale of other real estate owned | 0 |
| Cash paid for low income housing tax credit investment | 10 |
| Net cash provided by (used in) investing activities | -171,991 |
| Net increase (decrease) in deposits | 195,527 |
| Repayment of proceeds from short-term borrowings, net | 0 |
| Repayment of finance lease obligations | 126 |
| Proceeds from issuance of subordinated notes | 45,000 |
| Proceeds from stock options exercised | 0 |
| Restricted stock surrendered for tax withholdings upon vesting | 103 |
| Cash dividends paid on common stock | 16,126 |
| Stock repurchased, including commissions | 3,293 |
| Proceeds from stock issued under employee and director stock purchase plans | 35 |
| Net cash (used in) provided by financing activities | 220,914 |
| Net (decrease) increase in cash, cash equivalents and restricted cash | 87,999 |
| Cash, cash equivalents and restricted cash at beginning of period | 137,304 |
| Cash, cash equivalents and restricted cash at end of period | 225,303 |
Bank of Marin Bancorp (BMRC)
Bank of Marin Bancorp (BMRC)