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Cash Flow Overview

Change in Cash
$1,719,712
Free Cash flow
$8,792,882
Unit: Dollar
Positive Cash Flow Breakdown
    • Proceeds from short-term borrowi...
    • Proceeds from sales, maturities ...
    • Proceeds from, maturities and ca...
    • Others
Negative Cash Flow Breakdown
    • Net change in loans
    • Net increase (decrease) in depos...
    • Purchases of available-for-sale ...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net interest income before provision for credit losses
-
-
38,042,792
-
Net interest income after provision for credit losses
-
-
38,042,792
-
Salaries and employee benefits
-
-
311,441
-
Professional fees
-
-
700,395
-
Other
-
-
349,926
-
Total noninterest expense
-
-
1,361,762
-
Income before income tax benefits
-
-
36,681,030
-
Provision for income tax benefits
-
-
-515,168
-
Net income
10,215,666
9,534,438
10,138,851
27,057,347
Depreciation
562,043
557,818
618,680
1,519,018
Amortization of core deposit intangible
379,511
375,341
1,568,586
-
Securities amortization and (accretion), net
1,502
-62,166
-1,598,547
-46,198
Provision for credit losses
399,289
121,970
463,326
-
Stock compensation expense
147,730
159,414
124,375
-
Provision for losses on foreclosed assets
-
-
0
4,500
Loss on retirement of debt
-
-603,303
-
-
Net realized gains losses on foreclosed assets
0
106,553
47,726
113,270
Net gains on sales of premises and equipment
30,000
0
12,646
24,959
Interest receivable
-508,972
186,782
354,108
-90,367
Other assets
1,324,066
-1,399,818
-204,957
-8,417,887
Other liabilities
239,879
1,584,824
-1,334,171
-6,799,212
Increase in bank owned life insurance
314,906
311,643
342,379
949,557
Deferred income taxes
58,318
-
-120,274
348,067
Interest payable
-69,185
-317,579
-448,220
-814,601
Net cash provided by operating activities
10,054,814
13,352,203
9,101,252
27,993,255
Purchases of available-for-sale securities
15,038,672
0
14,830,375
16,929,788
Proceeds from sales, maturities and calls of available-for-sale securities
18,831,489
875,596
1,331,262
36,586,565
Proceeds from, maturities and calls of held-to-maturity securities
17,004,200
1,285,694
49,395,123
85,464,673
Purchases of held-to-maturity securities
14,986,523
0
15,092,578
88,100,756
Net change in loans
48,367,406
19,105,771
106,855,210
-39,254,790
Purchase of premises and equipment, net
1,261,932
237,355
327,021
1,538,105
Proceeds from sales of premises and equipment
30,000
0
223,809
64,400
Proceeds from sales of foreclosed assets
1
359,553
592,668
693,625
Payments relating to foreclosed assets
180,000
-
-
-
Death benefits received
-
-
176,789
350,509
Purchase of restricted stock, at cost
-
-
5,559,800
-
Proceeds from bank owned life insurance
165,738
489,907
-
-
Payments relating to foreclosed assets
-
-
-11,989
-
(purchase) redemption of restricted stock, at cost
-2,289,100
1,136,200
2,348,000
100,450
Net cash (used in) provided by investing activities
-46,092,205
-15,196,176
-88,609,322
55,946,363
Net increase (decrease) in deposits
-19,044,814
76,483,023
35,100,523
-157,963,373
Proceeds from short-term borrowings
57,502,046
-43,183,448
184,954,724
-
Repayments of short-term borrowings
-
-
100,095,000
-
Proceeds from (repayments of) short-term borrowings
-
-
-
59,270,961
Proceeds from long-term borrowings
5,901,100
-
8,330,500
-
Repayments of long-term borrowings
5,231,100
6,010,138
29,840,482
5,675,299
Repurchase of stock
-
0
0
980,800
Issuance of common stock, net
-
-
29,860,751
-
Purchase of minority interest
-
0
-
-
Payment of dividends
1,370,129
1,369,799
0
2,002,079
Net cash provided by (used in) financing activities
37,757,103
25,919,638
69,040,055
-107,350,590
(decrease) increase in cash and cash equivalents
-
47,486,637
-
-23,410,972
Increase (decrease) in cash and cash equivalents
1,719,712
24,075,665
-33,878,987
-
Cash and cash equivalents, beginning of period
168,394,594
144,318,929
154,786,944
178,197,916
Cash and cash equivalents, end of period
170,114,306
168,394,594
144,318,929
154,786,944
Unit: Dollar. Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Proceeds from short-termborrowings$57,502,046 Net income$10,215,666 Proceeds from long-termborrowings$5,901,100 Depreciation$562,043 Interest receivable-$508,972 Provision for creditlosses$399,289 Amortization of core depositintangible$379,511 Other liabilities$239,879 Stock compensationexpense$147,730 Securities amortizationand (accretion),...$1,502 Net cash provided by(used in) financing...$37,757,103 Net cash provided byoperating activities$10,054,814 Canceled cashflow$25,646,043 Canceled cashflow$2,399,778 Increase (decrease) incash and cash...$1,719,712 Canceled cashflow$46,092,205 Net increase(decrease) in deposits-$19,044,814 Repayments of long-termborrowings$5,231,100 Payment of dividends$1,370,129 Proceeds from sales,maturities and calls of...$18,831,489 Proceeds from,maturities and calls of...$17,004,200 Proceeds from bank ownedlife insurance$165,738 Proceeds from sales ofpremises and equipment$30,000 Proceeds from sales offoreclosed assets$1 Other assets$1,324,066 something is missing-$603,303 Increase in bank ownedlife insurance$314,906 Interest payable-$69,185 Deferred income taxes$58,318 Net gains on sales ofpremises and equipment$30,000 Net cash (used in)provided by investing...-$46,092,205 Canceled cashflow$36,031,428 Net change in loans$48,367,406 Purchases ofavailable-for-sale securities$15,038,672 Purchases ofheld-to-maturity securities$14,986,523 (purchase) redemption ofrestricted stock, at cost-$2,289,100 Purchase of premises andequipment, net$1,261,932 Payments relating toforeclosed assets$180,000

Commercial Bancgroup, Inc. (CBK)

Commercial Bancgroup, Inc. (CBK)