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COLONY BANKCORP INC (CBAN)

COLONY BANKCORP INC (CBAN)

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Cash Flow Overview

Change in Cash
-$136,187K
Free Cash flow
$8,162K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from sales of loans hel...
    • Proceeds from federal home loan ...
    • Proceeds from maturities, calls,...
    • Others
Negative Cash Flow Breakdown
    • Originations of loans held for s...
    • Repayments on federal home loan ...
    • Change in loans, net
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
10,857
8,204
7,843
5,819
Provision for credit losses
1,900
1,750
1,650
900
Depreciation, amortization, and accretion
2,886
3,188
2,304
1,863
Equity method investment income
-7
36
32
72
Stock-based compensation expense
171
193
211
204
Net change in servicing asset
-93
-3
133
348
Loss on sales of securities
-186
-
0
-1,039
Gain on sales of sba loans
506
962
1,376
1,411
Loss (gain) on sales of other real estate owned and repossessions
-
-
0
2
Writedown of bank building
-
-
0
0
Loss on sales of other real estate owned and repossessions
-47
6
-
-
Gain on sales of premises & equipment
3
10
0
0
Originations of loans held for sale
79,948
30,143
143,275
78,987
Proceeds from sales of loans held for sale
72,772
71,885
84,947
83,275
Change in bank-owned life insurance
516
479
555
396
Deferred tax expense
429
359
1,023
571
Change in other assets
-1,765
-11
4,776
-1,623
Change in other liabilities
-1,025
296
-1,575
333
Net cash provided by operating activities
9,115
54,253
-53,744
14,411
Purchases of investment securities, available-for-sale
7,897
4,825
-8,268
2,761
Proceeds from maturities, calls, and paydowns of investment securities, available-for-sale
10,575
12,192
8,837
19,533
Proceeds from sales of investment securities, available-for-sale
1,632
-
0
55,550
Proceeds from maturities, calls and paydowns of securities, held-to-maturity
3,495
15,089
2,925
3,024
Proceeds from sales of investment securities, held-to-maturity
3,485
-
0
17,877
Change in loans, net
54,203
15,360
-66,135
45,328
Purchase of premises and equipment
953
421
572
351
Proceeds from sales of premises and equipment
-
-
0
0
Proceeds from insurance related to fire at bank branch
-
-
72
0
Proceeds from sales of premises and equipment
8
27
-
-
Proceeds from sales of other real estate owned and repossessions
161
727
70
0
Proceeds from bank-owned life insurance
759
-
4,491
0
Redemption of federal home loan bank stock
-1,195
74
1
0
Cash Acquired From Acquisition
-
-
916
-
Cash paid - insurance acquisition
-
-
-
0
Payments To Acquire Businesses Gross
-
-
3,500
-
Redemption of equity securities
220
-
-
-
Net cash used in investing activities
-41,523
7,355
91,141
47,544
Change in noninterest-bearing customer deposits
-31,172
-31,569
28,340
7,357
Change in interest-bearing customer deposits
-45,071
12,467
-5,267
20,742
Dividends paid for common stock
2,536
2,551
2,007
2,009
Repayments on federal home loan bank advances
75,000
50,000
50,000
50,000
Proceeds from federal home loan bank advances
50,000
50,000
50,000
50,000
Proceeds from other borrowings
-
-
0
75,000
Repayments on other borrowings
-
-
0
75,000
Redemption of subordinated debt
-
-
0
0
Repurchase and retirement of shares
0
1,766
779
0
Cash paid for tax withholding related to vesting of restricted stock
-
-
311
-
Tax withholding related to vesting of restricted stock
0
-278
-
224
Net cash used in financing activities
-103,779
-23,442
20,277
25,866
Net decrease in cash and cash equivalents
-136,187
38,166
57,674
87,821
Cash and cash equivalents at beginning of period
295,806
257,640
199,966
231,034
Cash and cash equivalents at end of period
159,619
295,806
257,640
199,966
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 sales ofloans held for sale$72,772K (-51.87%↓ Y/Y)Net income$10,857K (-25.59%↓ Y/Y)Depreciation, amortization,and accretion$2,886K (-18.84%↓ Y/Y)Provision for creditlosses$1,900K (-2.56%↓ Y/Y)Change in other assets-$1,765K (-130.19%↓ Y/Y)Deferred tax expense$429K (-8.72%↓ Y/Y)Loss on sales ofsecurities-$186K Stock-based compensationexpense$171K (-53.78%↓ Y/Y)Net change inservicing asset-$93K (67.82%↑ Y/Y)Loss on sales of otherreal estate owned and...-$47K Equity methodinvestment income-$7K (-103.59%↓ Y/Y)Net cash provided byoperating activities$9,115K (-73.02%↓ Y/Y)Canceled cashflow$81,998K Net decrease in cashand cash...-$136,187K (-14.55%↓ Y/Y)Canceled cashflow$9,115K Proceeds from federalhome loan bank...$50,000K (-50.00%↓ Y/Y)Proceeds frommaturities, calls, and...$10,575K (-61.02%↓ Y/Y)Proceeds frommaturities, calls and...$3,495K (-83.77%↓ Y/Y)Proceeds from sales ofinvestment securities,...$3,485K Proceeds from sales ofinvestment securities,...$1,632K Redemption of federal homeloan bank stock-$1,195K (-3244.74%↓ Y/Y)Proceeds from bank-ownedlife insurance$759K Redemption of equitysecurities$220K Proceeds from sales ofother real estate...$161K (-70.19%↓ Y/Y)Proceeds from sales ofpremises and equipment$8K Originations of loans held forsale$79,948K (-38.97%↓ Y/Y)Change in otherliabilities-$1,025K (-160.83%↓ Y/Y)Change in bank-ownedlife insurance$516K (-38.64%↓ Y/Y)Gain on sales of sbaloans$506K (-80.43%↓ Y/Y)Gain on sales ofpremises & equipment$3K Net cash used infinancing activities-$103,779K (-496.40%↓ Y/Y)Net cash used ininvesting activities-$41,523K (69.30%↑ Y/Y)Canceled cashflow$50,000K Canceled cashflow$21,530K Repayments on federal homeloan bank advances$75,000K (-25.00%↓ Y/Y)Change ininterest-bearing customer...-$45,071K (-385.53%↓ Y/Y)Change in loans, net$54,203K (-64.60%↓ Y/Y)Change innoninterest-bearing customer...-$31,172K (-13.36%↓ Y/Y)Dividends paid for commonstock$2,536K (-36.95%↓ Y/Y)Purchases of investmentsecurities,...$7,897K (-72.01%↓ Y/Y)Purchase of premises andequipment$953K (121.11%↑ Y/Y)