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Cash Flow Overview

Change in Cash
-$28,038K
Free Cash flow
-$35,282K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net decrease (increase) in loans...
    • Purchases of loans receivable
    • Payments on long-term borrowings
    • Others
Negative Cash Flow Breakdown
    • Net (decrease) increase in depos...
    • Proceeds from long-term borrowin...
    • Proceeds from paydowns/maturitie...
    • Others
Cash Flow
2026-03-31
2025-09-30
2025-06-30
Net income
-22,974
14,868
21,205
Amortization of deferred loan costs, fees and purchased premiums and discounts
3,361
-1,815
-2,941
Net amortization of premiums and discounts on securities
-1,948
920
1,915
Net amortization of mortgage servicing rights
-104
60
98
Amortization of intangible assets
-1,025
561
1,031
Depreciation and amortization of office properties and equipment
-4,131
2,181
4,218
Amortization of operating lease right-of-use assets
-1,962
1,022
1,995
Provision for credit losses
-6,789
2,344
5,401
(gain) loss on securities transactions
-
0
336
Gain on sale of other real estate owned
-
0
281
Change in fair value of equity securities
-2,458
714
580
Gain on securitizations
-
59
70
Gain on sale of loans, net
-752
342
430
Gain on disposal of office properties and equipment, net
18
-36
18
Deferred tax (benefit) expense
-
772
-5,818
(increase) in accrued interest receivable
-1,551
1,088
778
(increase) decrease in other assets
11,851
-4,600
-810
(decrease) in accrued expenses and other liabilities
-881
5,931
-14,599
Income on bank-owned life insurance
-3,809
2,133
3,849
Employee stock ownership plan expense
-1,567
853
1,674
Stock based compensation
-2,556
1,130
2,460
(increase) in deferred compensation obligations under rabbi trust
34
39
-99
Net cash provided by (used in) operating activities
-40,875
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
-99,596
53,855
102,847
Proceeds from paydowns/maturities/calls of debt securities held to maturity
-9,413
3,239
24,869
Purchases of debt securities available for sale
-41,361
60,811
118,767
Proceeds from sales of other real estate owned
-
0
1,615
Purchases of debt securities held to maturity
-33,369
0
33,369
Proceeds from sales of loans held-for-sale
-27,040
8,785
20,525
Proceeds from bank-owned life insurance death benefits
-
0
0
Purchases of loans receivable
-150,882
0
150,882
Net decrease (increase) in loans receivable
-276,923
114,677
138,878
Proceeds from redemptions of federal home loan bank stock
-22,190
7,079
19,574
Purchases of federal home loan bank and federal reserve bank stock
-11,805
6,679
27,850
Proceeds from sales of office properties and equipment
0
-18
18
Purchase of insurance agency book of business
-
1,400
-
Additions to office properties and equipment
-5,593
2,837
4,622
Purchase of treasury stock
-
2,837
0
Net cash (used in) investing activities
345,823
-113,464
-289,264
Net (decrease) increase in deposits
-216,237
104,838
39,334
Proceeds from long-term borrowings
-115,333
25,333
130,000
Payments on long-term borrowings
-64,418
19,418
60,000
Net increase in short-term borrowings
-71,978
-15,010
121,978
Increase in advance payments by borrowers for taxes and insurance
3,265
-5,220
4,072
Exercise of stock options
-34
0
0
Repurchase of shares for taxes
-76
0
179
Net cash (used in) provided by financing activities
-332,986
87,686
235,205
Net (decrease) in cash and cash equivalents
-28,038
5,178
-40,999
Cash and cash equivalents at beginning of year
253,402
289,223
-
Cash and cash equivalents at end of period
276,947
253,402
-
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

Net decrease(increase) in loans...-$276,923K Purchases of loansreceivable-$150,882K Purchases of debtsecurities available for...-$41,361K Purchases of debtsecurities held to maturity-$33,369K Purchases of federal homeloan bank and federal...-$11,805K Net cash (used in)investing activities$345,823K Canceled cashflow$158,239K Net (decrease) incash and cash...-$28,038K Canceled cashflow$345,823K Payments on long-termborrowings-$64,418K Increase in advancepayments by borrowers for...$3,265K Repurchase of shares fortaxes-$76K something is missing$5,792K Income on bank-ownedlife insurance-$3,809K Change in fair value ofequity securities-$2,458K Net amortization ofpremiums and discounts on...-$1,948K (increase) in accruedinterest receivable-$1,551K Gain on sale of loans,net-$752K (increase) in deferredcompensation obligations...$34K Proceeds frompaydowns/maturities/calls of debt...-$99,596K Proceeds from sales ofloans held-for-sale-$27,040K Proceeds fromredemptions of federal home...-$22,190K Proceeds frompaydowns/maturities/calls of debt...-$9,413K Net cash (used in)provided by financing...-$332,986K Canceled cashflow$67,759K Net cash provided by(used in) operating...-$40,875K Canceled cashflow$16,344K Net (decrease)increase in deposits-$216,237K Proceeds from long-termborrowings-$115,333K Net increase inshort-term borrowings-$71,978K Net income-$22,974K (increase) decrease inother assets$11,851K Provision for creditlosses-$6,789K Depreciation andamortization of office...-$4,131K Amortization of deferred loancosts, fees and...$3,361K Stock basedcompensation-$2,556K Amortization of operatinglease right-of-use...-$1,962K Employee stock ownershipplan expense-$1,567K Amortization of intangibleassets-$1,025K (decrease) in accruedexpenses and other...-$881K Net amortization ofmortgage servicing...-$104K Gain on disposal ofoffice properties and...$18K

Columbia Financial, Inc. (CLBK)

Columbia Financial, Inc. (CLBK)