For the quarter ending 2025-09-30, BSRR had -$34,511K decrease in cash & cash equivalents over the period. $14,696K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 9,699 | 19,734 |
| (gain) loss on sales of securities | 0 | 124 |
| Loss (gain) on disposal of fixed assets | 0 | -22 |
| Stock based compensation expense | 436 | 1,041 |
| Provision for credit losses on loans | 3,709 | 3,171 |
| Provision for credit losses on unfunded commitments | -20 | 100 |
| Depreciation and amortization | 517 | 1,050 |
| Net (accretion) amortization on securities premiums and discounts | 224 | 153 |
| Net accretion of premiums/discounts for loans acquired | -52 | -149 |
| Increase in cash surrender value of life insurance policies | 1,018 | 1,051 |
| Amortization of core deposit intangible | 162 | 324 |
| Decrease (increase) in interest receivable and other assets | -4,212 | 2,689 |
| (decrease) increase in other liabilities | -3,532 | -17,587 |
| Deferred income tax benefit (provision) | 1,028 | -338 |
| Excise tax on stock repurchases | 0 | -111 |
| Amortization of debt issuance costs | 23 | 45 |
| Net amortization of variable interest entities | 0 | 1,480 |
| Net cash provided by operating activities | 14,940 | 4,765 |
| Maturities and calls of securities available for sale | 22,965 | 11,000 |
| Purchases of securities available for sale | 41,078 | 247,255 |
| Principal pay downs on securities available for sale | 99,174 | 234,381 |
| Loan (originations) and payments, net | 59,175 | 109,347 |
| Purchases of premises and equipment | 244 | 836 |
| Purchase of bank-owned life insurance | 23 | 127 |
| Purchase of split dollar life insurance policies | 0 | 15,000 |
| Proceeds from boli death benefit | 0 | 1,645 |
| Net cash (used in) provided by investing activities | 21,619 | -125,539 |
| Increase in deposits | -41,709 | 82,801 |
| Increase (decrease) in fed funds purchased | 15,000 | -40,000 |
| Increase (decrease) in short-term federal home loan bank advances | -4,400 | 34,400 |
| Increase in customer repurchase agreements | -760 | 17,649 |
| Cash dividends paid | 3,383 | 6,963 |
| Repurchase of common stock, net | 6,035 | 18,276 |
| Stock options exercised | 217 | 511 |
| Net cash provided by (used in) financing activities | -71,070 | 150,122 |
| (decrease) increase in cash and cash equivalents | -34,511 | 29,348 |
| Cash and cash equivalents at beginning of period | 100,664 | - |
| Cash and cash equivalents at end of period | 95,501 | - |
SIERRA BANCORP (BSRR)
SIERRA BANCORP (BSRR)