For the quarter ending 2025-09-30, CLBK had $5,178K increase in cash & cash equivalents over the period. $28,119K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 14,868 | 21,205 |
| Amortization of deferred loan costs, fees and purchased premiums and discounts | -1,815 | -2,941 |
| Net amortization of premiums and discounts on securities | 920 | 1,915 |
| Net amortization of mortgage servicing rights | 60 | 98 |
| Amortization of intangible assets | 561 | 1,031 |
| Depreciation and amortization of office properties and equipment | 2,181 | 4,218 |
| Amortization of operating lease right-of-use assets | 1,022 | 1,995 |
| Provision for credit losses | 2,344 | 5,401 |
| (gain) loss on securities transactions | 0 | 336 |
| Change in fair value of equity securities | 714 | 580 |
| Gain on securitizations | 59 | 70 |
| Gain on sale of loans, net | 342 | 430 |
| Loss (gain) on disposal of office properties and equipment, net | -36 | 18 |
| Deferred tax (benefit) expense | 772 | -5,818 |
| (increase) in accrued interest receivable | 1,088 | 778 |
| Gain on sale of other real estate owned | 0 | 281 |
| Decrease (increase) in other assets | -4,600 | -810 |
| (decrease) in accrued expenses and other liabilities | 5,931 | -14,599 |
| Income on bank-owned life insurance | 2,133 | 3,849 |
| Employee stock ownership plan expense | 853 | 1,674 |
| Stock based compensation | 1,130 | 2,460 |
| (increase) in deferred compensation obligations under rabbi trust | 39 | -99 |
| Net cash provided by operating activities | 30,956 | 13,060 |
| Proceeds from sales of debt securities available for sale | 0 | 15,656 |
| Proceeds from paydowns/maturities/calls of debt securities available for sale | 53,855 | 102,847 |
| Proceeds from paydowns/maturities/calls of debt securities held to maturity | 3,239 | 24,869 |
| Purchases of debt securities available for sale | 60,811 | 118,767 |
| Purchases of debt securities held to maturity | 0 | 33,369 |
| Proceeds from sales of loans held-for-sale | 8,785 | 20,525 |
| Purchases of loans receivable | 0 | 150,882 |
| Net (increase) in loans receivable | 114,677 | 138,878 |
| Proceeds from bank-owned life insurance death benefits | 0 | 0 |
| Proceeds from redemptions of federal home loan bank stock | 7,079 | 19,574 |
| Purchases of federal home loan bank stock | 6,679 | 27,850 |
| Proceeds from sales of office properties and equipment | -18 | 18 |
| Additions to office properties and equipment | 2,837 | 4,622 |
| Proceeds from sales of other real estate owned | 0 | 1,615 |
| Purchase of insurance agency book of business | 1,400 | - |
| Net cash (used in) investing activities | -113,464 | -289,264 |
| Net increase in deposits | 104,838 | 39,334 |
| Proceeds from long-term borrowings | 25,333 | 130,000 |
| Payments on long-term borrowings | 19,418 | 60,000 |
| Net increase (decrease) in short-term borrowings | -15,010 | 121,978 |
| Decrease in advance payments by borrowers for taxes and insurance | -5,220 | 4,072 |
| Exercise of stock options | 0 | 0 |
| Purchase of treasury stock | 2,837 | 0 |
| Repurchase of shares for taxes | 0 | 179 |
| Net cash provided by (used in) financing activities | 87,686 | 235,205 |
| Net (decrease) in cash and cash equivalents | 5,178 | -40,999 |
| Cash and cash equivalents at beginning of period | 289,223 | - |
| Cash and cash equivalents at end of period | 253,402 | - |
Columbia Financial, Inc. (CLBK)
Columbia Financial, Inc. (CLBK)