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Cash Flow Overview

Change in Cash
$48,217K
Free Cash flow
-$262,894K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from sale of portfolio ...
    • Proceeds from sales
    • Proceeds from the insurance tran...
    • Others
Negative Cash Flow Breakdown
    • Purchases
    • Decrease in certificates of depo...
    • Gain on the insurance transactio...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Income before income taxes
-
-
40,001
-
Income tax benefit
-
-
8,639
-
Net income
28,911
85,757
8,480
5,419
Recovery for credit losses, including recovery for unfunded loan commitments
1,456
-34,135
-2,258
3,231
Origination of loans held-for-sale
4,429
5,319
18,503
3,144
Proceeds from loans held-for-sale
4,346
5,346
-
-
Proceeds from the transaction
-
289,484
18,680
2,951
Depreciation/amortization of bank premises and equipment
2,152
2,132
2,044
1,965
Provision for deferred taxes
-958
6,233
1,195
-652
Net amortization of securities
-12,963
-629
-681
-784
Tax credit amortization
30
56
162
162
Gains on sales of loans held-for-sale
43
29
-
-
Gain on the loan sale transaction
0
65,000
-
-
Gain on the insurance transaction
35,949
-
-
-
Gains on sales of loans held-for-sale
-
-
38
39
Losses on sales of securities, net
-12,531
80
46
0
Unrealized loss (gain) on equity securities
-71
-45
22
69
Commercial loan swap derivative loss
-8
0
0
-11
Increase in the value of life insurance contracts
457
436
456
357
Gain on bank owned life insurance death benefit
0
0
0
0
1035 exchange fee on bank owned life insurance
0
0
133
0
Balance sheet hedge fair value adjustment
0
0
0
0
Recognition of restricted stock compensation expense
616
519
522
539
Decrease in other assets
-2,657
-2,512
702
-1,827
Increase (decrease) in other liabilities
5,033
16,201
2,200
-813
Net cash provided by operating activities
-260,546
303,915
12,072
11,815
Proceeds from sales
126,859
15,424
19,010
0
Proceeds from maturities, redemptions, and paydowns
4,388
16,031
26,678
39,800
Purchases
121,677
3,500
5,060
5,307
Purchase of equity securities
2,500
-
0
0
Purchase of bank premises and equipment, net
2,348
1,537
3,076
1,539
Proceeds from sales of bank premises and equipment, net
0
-
-
-
Net cash acquired from branch purchase
0
-
0
0
Proceeds from sale of portfolio loans from the loan sale transaction
289,484
-
-
-
Proceeds from the insurance transaction
55,663
-
-
-
(purchase) redemption of federal home loan bank stock, net
-
-
-
2,945
Redemption (purchase) of other restricted stock, at cost, net
0
-8,354
10,343
-
Loan originations, net
5,476
61,393
44,000
88,164
Proceeds from death benefit on bank owned life insurance
0
0
0
3,077
Proceeds from surrender of boli policies
7,161
-
0
7,273
Proceeds from sales and payments of other real estate owned
0
-
239
906
Net cash used in investing activities
351,554
-26,621
-11,441
-49,976
Net change in demand, money markets and savings accounts
518
41,832
4,994
-24,832
Decrease in certificates of deposits
-38,212
-17,471
-4,452
12,940
Proceeds from federal home loan bank borrowings
0
299,000
148,000
217,000
Repayments on federal home loan bank borrowings
0
477,500
145,000
155,000
Repayments from federal funds purchased, net
-
-
0
-
Repurchase of common stock
2,878
-
5,958
4,904
Cash dividends paid to common shareholders
2,219
-
-
-
Net cash (used in) provided by financing activities
-42,791
-154,139
-2,416
45,204
Net increase (decrease) in cash and cash equivalents
48,217
123,155
-1,785
7,043
Cash and cash equivalents at beginning of period
228,318
105,163
106,948
131,171
Cash and cash equivalents at end of period
276,535
228,318
105,163
106,948
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

Proceeds from sale ofportfolio loans from the...$289,484K Proceeds from sales$126,859K Proceeds from theinsurance transaction$55,663K Proceeds from surrenderof boli policies$7,161K Proceeds frommaturities, redemptions,...$4,388K (-85.59%↓ Y/Y)Net cash used ininvesting activities$351,554K (472.04%↑ Y/Y)Canceled cashflow$132,001K Net increase(decrease) in cash and cash...$48,217K (254.22%↑ Y/Y)Canceled cashflow$303,337K Purchases$121,677K (128.21%↑ Y/Y)Loan originations,net$5,476K (-95.55%↓ Y/Y)Purchase of equitysecurities$2,500K Purchase of bank premisesand equipment, net$2,348K (-31.74%↓ Y/Y)Net income$28,911K (65.56%↑ Y/Y)Net amortization ofsecurities-$12,963K (-659.40%↓ Y/Y)Losses on sales ofsecurities, net-$12,531K Increase (decrease) inother liabilities$5,033K (235.44%↑ Y/Y)Proceeds from loansheld-for-sale$4,346K (-43.64%↓ Y/Y)Decrease in other assets-$2,657K (-261.99%↓ Y/Y)Depreciation/amortization of bank premisesand equipment$2,152K (-44.10%↓ Y/Y)Recovery for creditlosses, including...$1,456K (130.31%↑ Y/Y)Recognition of restrictedstock compensation...$616K (-39.01%↓ Y/Y)Unrealized loss (gain) onequity securities-$71K (-144.65%↓ Y/Y)Tax creditamortization$30K (-90.77%↓ Y/Y)Commercial loan swapderivative loss-$8K (91.67%↑ Y/Y)Net change indemand, money markets...$518K (-98.96%↓ Y/Y)Net cash provided byoperating activities-$260,546K (-1730.96%↓ Y/Y)Net cash (used in)provided by financing...-$42,791K (-190.56%↓ Y/Y)Canceled cashflow$70,774K Canceled cashflow$518K something is missing-$289,484K Decrease in certificatesof deposits-$38,212K (-3.96%↓ Y/Y)Repurchase of common stock$2,878K (-68.51%↓ Y/Y)Cash dividends paidto common...$2,219K Gain on the insurancetransaction$35,949K Origination of loansheld-for-sale$4,429K (-43.77%↓ Y/Y)Provision for deferredtaxes-$958K (-158.85%↓ Y/Y)Increase in the value oflife insurance...$457K (-34.53%↓ Y/Y)Gains on sales of loansheld-for-sale$43K (-46.25%↓ Y/Y)

Carter Bankshares, Inc. (CARE)

Carter Bankshares, Inc. (CARE)