For the year ending 2025-12-31, CBAN had $26,606K increase in cash & cash equivalents over the period. -$6,899K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net interest income | 91,901 |
| Provision for credit losses | 4,500 |
| Total noninterest income | 40,280 |
| Total noninterest expense | 92,546 |
| Income taxes | 6,882 |
| Net income | 28,253 |
| Provision for credit losses | 4,500 |
| Depreciation, amortization and accretion | 7,723 |
| Stock-based compensation expense | 785 |
| Loss on sales of securities | -1,039 |
| Net change in servicing asset | 192 |
| Loss (gain) on sales of other real estate owned and repossessions | -134 |
| Loss on sales of premises & equipment | 0 |
| Writedown of bank building | 0 |
| Change in bank owned life insurance | 1,792 |
| Equity method investment loss | 299 |
| Deferred tax expense | 2,064 |
| Gain on sales of sba loans | 5,372 |
| Originationsof loans held for sale | 353,252 |
| Proceeds from sales of loans held for sale | 319,420 |
| Change in other assets | 8,999 |
| Change in other liabilities | 443 |
| Net cash provided by (used in) operating activities | -5,545 |
| Purchases of investment securities, available-for-sale | 22,703 |
| Proceeds from maturities, calls, and paydowns of investment securities, available-for-sale | 55,499 |
| Proceeds from sales of investment securities, available-for-sale | 55,550 |
| Proceeds from maturities, calls, and paydowns of investment securities, held-to-maturity | 27,481 |
| Proceeds from sales of investment securities, held-to-maturity | 17,877 |
| Net change in loans | 132,294 |
| Purchase of premises and equipment | 1,354 |
| Proceeds from sales of other real estate owned and repossessions | 610 |
| Proceeds from settlement of bank owned life insurance policies | 4,491 |
| Purchase of federal home loan bank stock | 39 |
| Proceeds from sales of premises and equipment | 0 |
| Proceeds from insurance related to fire at bank branch | 875 |
| Cash Acquired From Acquisition | 916 |
| Payments To Acquire Businesses Gross | 3,500 |
| Net cash provided by investing activities | 3,409 |
| Change in noninterest-bearing customer deposits | 8,199 |
| Change in interest-bearing customer deposits | 31,260 |
| Dividends paid on common stock | 8,038 |
| Proceeds from federal home loan bank advances | 200,000 |
| Repayments of federal home loan bank advances | 200,000 |
| Proceeds from other borrowings | 75,000 |
| Repayments on other borrowings | 75,000 |
| Redemption of subordinated debt | 0 |
| Repurchase and retirement of shares | 2,368 |
| Cash paid for tax withholding related to vesting of restricted stock | 311 |
| Net cash provided by financing activities | 28,742 |
| Net increase in cash and cash equivalents | 26,606 |
| Cash and cash equivalents at beginning of period | 231,034 |
| Cash and cash equivalents at end of period | 257,640 |
COLONY BANKCORP INC (CBAN)
COLONY BANKCORP INC (CBAN)