For the quarter ending 2025-09-30, CBAN had $87,821K increase in cash & cash equivalents over the period. $14,060K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net interest income | 66,036 | - |
| Provision for credit losses | 2,850 | - |
| Total noninterest income | 29,233 | - |
| Total noninterest expense | 66,837 | - |
| Income taxes | 5,172 | - |
| Net income | 5,819 | 14,591 |
| Provision for credit losses | 900 | 1,950 |
| Depreciation, amortization, and accretion | 1,863 | 3,556 |
| Equity method investment loss | 72 | 195 |
| Stock-based compensation expense | 204 | 370 |
| Net change in servicing asset | 348 | -289 |
| Loss on sales of securities, available-for-sale | -1,039 | 0 |
| Gain on sales of sba loans | 1,411 | 2,585 |
| Loss (gain) on sales of other real estate owned and repossessions | 2 | -136 |
| Writedown of bank building | 0 | 0 |
| Loss on sales of premises & equipment | 0 | 0 |
| Originations of loans held for sale | 78,987 | 130,990 |
| Proceeds from sales of loans held for sale | 83,275 | 151,198 |
| Change in bank-owned life insurance | 396 | 841 |
| Deferred tax expense | 571 | 470 |
| Change in other assets | -1,623 | 5,846 |
| Change in other liabilities | 333 | 1,685 |
| Net cash provided by operating activities | 14,411 | 33,788 |
| Purchases of investment securities, available-for-sale | 2,761 | 28,210 |
| Proceeds from maturities, calls, and paydowns of investment securities, available-for-sale | 19,533 | 27,129 |
| Proceeds from sales of investment securities, available-for-sale | 55,550 | 0 |
| Proceeds from maturities, calls and paydowns of securities, held-to-maturity | 3,024 | 21,532 |
| Proceeds from sales of investment securities, held-to-maturity | 17,877 | - |
| Change in loans, net | 45,328 | 153,101 |
| Purchase of premises and equipment | 351 | 431 |
| Proceeds from sales of premises and equipment | 0 | 0 |
| Proceeds from insurance-branch fire | 0 | 803 |
| Proceeds from sales of other real estate owned and repossessions | 0 | 540 |
| Proceeds from bank-owned life insurance | 0 | 0 |
| Purchase of federal home loan bank stock | 0 | 38 |
| Cash paid - insurance acquisition | 0 | 3,500 |
| Net cash provided by (used in) investing activities | 47,544 | -135,276 |
| Change in noninterest-bearing customer deposits | 7,357 | -27,498 |
| Change in interest-bearing customer deposits | 20,742 | 15,785 |
| Dividends paid for common stock | 2,009 | 4,022 |
| Repayments on federal home loan bank advances | 50,000 | 100,000 |
| Proceeds from federal home loan bank advances | 50,000 | 100,000 |
| Repayments on other borrowings | 75,000 | 0 |
| Proceeds from other borrowings | 75,000 | 0 |
| Redemption of subordinated debt | 0 | 0 |
| Repurchase and retirement of shares | 0 | 1,589 |
| Tax withholding related to vesting of restricted stock | 224 | 77 |
| Net cash provided by (used in) financing activities | 25,866 | -17,401 |
| Net increase (decrease) in cash and cash equivalents | 87,821 | -118,889 |
| Cash and cash equivalents at beginning of period | 231,034 | - |
| Cash and cash equivalents at end of period | 199,966 | - |
COLONY BANKCORP INC (CBAN)
COLONY BANKCORP INC (CBAN)