For the year ending 2025-12-31, BSRR had $34,964K increase in cash & cash equivalents over the period. $32,173K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 42,327 |
| (gain) loss on sales of securities | 120 |
| Loss (gain) on disposal of fixed assets | -52 |
| Stock based compensation expense | 2,211 |
| Credit loss expense - loans | 6,095 |
| Depreciation and amortization | 2,084 |
| Net (accretion) amortization on securities premiums and discounts | 720 |
| Accretion of discounts for loans acquired and net deferred loan fees | -206 |
| Increase in cash surrender value of life insurance policies | 2,608 |
| Amortization of core deposit intangible | 566 |
| Decrease (increase) in interest receivable and other assets | -3,931 |
| (decrease) increase in other liabilities | -22,633 |
| Deferred income tax (benefit) provision | -105 |
| Net amortization of partnership investment | 2,831 |
| Net cash provided by operating activities | 33,705 |
| Maturities and calls of debt securities available-for-sale | 55,290 |
| Proceeds from sales of debt securities available-for-sale | 3,016 |
| Purchases of debt securities available-for-sale | 378,047 |
| Principal paydowns on debt securities available-for-sale | 361,848 |
| Maturities and calls of debt securities held-to-maturity | 475 |
| Principal paydowns on debt securities held-to-maturity | 15,073 |
| Loan (originations) and payments, net | 226,215 |
| Purchases of premises and equipment | 1,532 |
| Proceeds from sales of premises and equipment | 32 |
| Purchase of separate account life insurance | 166 |
| Purchase of split dollar life insurance | 15,000 |
| Proceeds from bank-owned life insurance death benefit | 1,644 |
| Amortization of debt issuance costs | 90 |
| Net cash (used in) provided by investing activities | -183,492 |
| (decrease) increase in deposits | -15,232 |
| Increase (decrease) in fed funds purchased | -210,000 |
| Increase (decrease) in short-term borrowed funds | 12,700 |
| Increase (decrease) in repurchase agreements | 21,993 |
| Cash dividends paid | 13,734 |
| Repurchases of common stock | 31,830 |
| Stock options exercised | 854 |
| Net cash provided by (used in) financing activities | 184,751 |
| Increase in cash and due from banks | 34,964 |
| Cash and cash equivalents, beginning of year | 100,664 |
| Cash and cash equivalents, end of year | 135,628 |
SIERRA BANCORP (BSRR)
SIERRA BANCORP (BSRR)