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Cash Flow Overview
Free Cash flow
$27,131K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Net change in short term borrowi...
Sales of securities available fo...
Proceeds from loan sales
Others
Negative Cash Flow Breakdown
Net change in deposits
Loan originations and payments, ...
Purchase of loan pools
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income (loss)
12,463
13,704
13,867
14,681
Provision for (reversal of) credit losses
550
0
800
200
Depreciation
917
881
1,034
1,047
Amortization
3,824
4,048
4,285
4,457
Accretion on purchased loans
2,433
2,691
3,058
10,034
Accretion of derivative termination (gain) loss
309
191
-
-
Compensation expense on employee stock purchase plan, stock options, and restricted stock units
266
298
259
242
Net losses on sales of securities
-
-
0
-
Net losses (gains) on sales of available for sale securities
-1,933
-203
-
-
Net change in market value of equity securities
59
26
-197
458
Gains on sales of loans
466
408
511
671
Loans originated for sale
13,947
19,525
20,025
15,588
Proceeds from loan sales
20,303
16,958
19,453
17,335
Earnings on bank-owned life insurance
706
584
567
558
Earnings on death benefit from bank-owned life insurance
0
-
0
0
Write downs of oreo
78
-
-
-44
(gains) on sales of other real estate owned
97
9
-112
5
Write downs of other real estate owned
-
-
-78
-
Deferred federal income tax (benefit)/expense
-56
1,053
-2,410
2,851
Other assets
-2,555
5,849
-5,607
1,766
Other liabilities
5,206
-8,039
-5,009
-2,896
Net cash provided by operating activities
29,944
-177
14,034
15,294
Sales of securities available for sale
25,298
4,235
0
0
Maturities, prepayments and calls of securities available for sale
7,501
8,229
4,805
4,176
Maturities, prepayments and calls of securities held to maturity
2,228
679
3,350
2,969
Purchases of securities available for sale
11,015
34,520
9,953
60,113
Purchases of equity securities
13
46
45
113
Purchases of securities held to maturity
1,614
250
400
1,498
Purchase of federal home loan bank stock
2,761
0
7,247
0
Sales of equity securities
-
-
648
-
Purchase of federal reserve bank stock
-
-
-7,247
7,247
Proceeds from redemption of federal home loan bank stock
5,500
-
0
-
Loan originations and payments, net
47,472
-41,374
114,851
-13,962
Purchase of loan pools
39,887
-
-
-
Proceeds from sales of other real estate owned
513
248
336
107
Purchase of bank-owned life insurance policies
0
10,923
-
-
Proceeds from bank owned life insurance death benefits claim
0
-
0
0
Additions to premises and equipment
2,813
1,524
2,117
1,600
Payments from (payments for) derivative contracts
-
-
-3,636
-
Proceeds from derivative contracts settlements
0
3,426
-
0
Issuance costs
0
-
0
0
Cash received from merger with fentura financial, inc
0
0
0
0
Net cash provided by (used in) investing activities
-64,535
14,564
-118,227
-42,118
Net change in deposits
-65,559
67,366
30,966
-25,593
Net change in short term borrowings
110,000
-80,000
67,000
-712
Issuance of common stock
244
255
214
246
Repurchase of shares from fentura financial, inc. esop
-2,051
-
-
214
Repurchase of common stock
1,075
1,441
2,679
-
Share based compensation withholding obligation
252
-
0
0
Cash dividends
4,336
4,337
4,350
4,204
Cash proceeds from common stock offering
-
-
0
0
Net provided by (used in) financing activities
39,022
-18,157
93,202
-30,477
Net change in cash and cash equivalents
4,431
-3,770
-10,990
-57,302
Beginning cash and cash equivalents
84,218
87,988
98,978
96,751
Ending cash and cash equivalents
88,649
84,218
87,988
98,978
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Net change in short
term borrowings
$110,000K
(175.08%↑ Y/Y)
Proceeds from loan sales
$20,303K
(-22.01%↓ Y/Y)
Net income (loss)
$12,463K
(3450.27%↑ Y/Y)
Repurchase of shares from
fentura financial, inc....
-$2,051K
(-211.65%↓ Y/Y)
Issuance of common stock
$244K
(-43.52%↓ Y/Y)
Other liabilities
$5,206K
(148.45%↑ Y/Y)
Amortization
$3,824K
(-49.14%↓ Y/Y)
Other assets
-$2,555K
(-721.65%↓ Y/Y)
Net losses (gains)
on sales of...
-$1,933K
Depreciation
$917K
(-40.03%↓ Y/Y)
Provision for (reversal
of) credit losses
$550K
(-96.02%↓ Y/Y)
Compensation expense on
employee stock purchase...
$266K
(-30.37%↓ Y/Y)
Net provided by
(used in) financing...
$39,022K
(118.58%↑ Y/Y)
Net cash provided by
operating activities
$29,944K
(1104.51%↑ Y/Y)
Canceled cashflow
$73,273K
Canceled cashflow
$18,151K
Net change in cash
and cash...
$4,431K
(-92.56%↓ Y/Y)
Canceled cashflow
$64,535K
Net change in
deposits
-$65,559K
(-22.86%↓ Y/Y)
Cash dividends
$4,336K
(-48.35%↓ Y/Y)
something is missing
-$2,051K
Repurchase of common stock
$1,075K
Share based
compensation withholding...
$252K
(-22.94%↓ Y/Y)
Sales of securities
available for sale
$25,298K
(-67.92%↓ Y/Y)
Maturities, prepayments and
calls of securities...
$7,501K
(-51.35%↓ Y/Y)
Proceeds from redemption
of federal home...
$5,500K
Maturities, prepayments and
calls of securities...
$2,228K
(-76.11%↓ Y/Y)
Proceeds from sales of
other real estate...
$513K
(-17.39%↓ Y/Y)
Loans originated for
sale
$13,947K
(-46.16%↓ Y/Y)
Accretion on purchased
loans
$2,433K
Earnings on bank-owned
life insurance
$706K
(-24.09%↓ Y/Y)
Gains on sales of loans
$466K
(-41.68%↓ Y/Y)
Accretion of derivative
termination (gain) loss
$309K
(gains) on sales of other
real estate owned
$97K
(110.87%↑ Y/Y)
Write downs of oreo
$78K
(329.41%↑ Y/Y)
Net change in market
value of equity...
$59K
(-82.95%↓ Y/Y)
Deferred federal income
tax...
-$56K
(89.89%↑ Y/Y)
Net cash provided by
(used in) investing...
-$64,535K
(-124.17%↓ Y/Y)
Canceled cashflow
$41,040K
Loan originations
and payments, net
$47,472K
(510.27%↑ Y/Y)
Purchase of loan pools
$39,887K
Purchases of securities
available for sale
$11,015K
(-18.77%↓ Y/Y)
Additions to premises and
equipment
$2,813K
(-3.33%↓ Y/Y)
Purchase of federal home
loan bank stock
$2,761K
Purchases of securities
held to maturity
$1,614K
(-38.16%↓ Y/Y)
Purchases of equity
securities
$13K
(-85.56%↓ Y/Y)
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CHOICEONE FINANCIAL SERVICES INC (COFS)
CHOICEONE FINANCIAL SERVICES INC (COFS)