For the quarter ending 2025-09-30, CBNK had -$85,745K decrease in cash & cash equivalents over the period.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 15,065 | 27,068 |
| Provision for credit losses | 4,650 | 6,327 |
| Provision for credit losses on unfunded commitments | 217 | 0 |
| Provision for (release of) mortgage put-back reserve, net | 19 | 34 |
| Net (accretion) amortization on investment securities available-for-sale | 91 | -52 |
| Premises and equipment depreciation | 376 | 524 |
| Lease asset amortization (reversal) | 431 | 843 |
| Amortization of intangible assets | 262 | 522 |
| Increase in cash surrender value of boli | 384 | 765 |
| Net decrease in loan servicing assets | -1,334 | - |
| Executive long-term incentive plan expense | 206 | 476 |
| Stock-based compensation expense | 823 | 407 |
| Director and employee compensation paid in company stock | 433 | 596 |
| Deferred income tax expense (benefit) | 1,655 | -108 |
| Net change in loan servicing assets | - | -3,290 |
| Valuation allowance on derivatives | 35 | -730 |
| Increase in valuation of loans held for sale carried at fair value | -30 | 75 |
| Proceeds from sales of loans held for sale | 68,462 | 199,113 |
| Originations of loans held for sale | 67,232 | 194,485 |
| Government lending revenue | 14 | 4,208 |
| Accrued interest receivable | 3,862 | -1,515 |
| Taxes payable | 8,565 | -13,550 |
| Other assets | -627 | 1,006 |
| Accrued interest payable | -113 | -1,235 |
| Other liabilities | 4,766 | -7,697 |
| Net cash provided by operating activities | 32,900 | 18,368 |
| Purchases of securities available-for-sale | 3,320 | 31,840 |
| Proceeds from calls and maturities of securities available-for-sale | 1,434 | 30,925 |
| Net purchases of restricted investments | 14 | 2,564 |
| Net increase in portfolio loans receivable | 84,939 | 117,177 |
| Net purchases of premises and equipment | 1,248 | 705 |
| Net cash used in investing activities | -88,087 | -121,361 |
| Noninterest-bearing deposits | 20,564 | 26,051 |
| Interest-bearing deposits | -49,249 | 152,748 |
| Federal home loan bank advances | 0 | 0 |
| Other borrowed funds | 0 | 0 |
| Dividends paid | 1,991 | 3,324 |
| Repurchase of common stock | -312 | 3,487 |
| Net proceeds from exercise of stock | -194 | 279 |
| Net cash provided by financing activities | -30,558 | 172,267 |
| Net (decrease) increase in cash and cash equivalents | -85,745 | 69,274 |
| Cash and cash equivalents at beginning of period | 205,332 | - |
| Cash and cash equivalents at end of period | 188,861 | - |
Capital Bancorp Inc (CBNK)
Capital Bancorp Inc (CBNK)