For the year ending 2025-12-31, CWBC had -$1,414K decrease in cash & cash equivalents over the period. $43,611K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Interest and dividend income | 185,710 |
| Other noninterest income | 10,488 |
| Total income | 196,198 |
| Interest expense | 49,530 |
| Segment net interest income and noninterest income | 146,668 |
| Provision for credit losses | 3,754 |
| Salaries and employee benefits | 49,841 |
| Other segment items | 40,545 |
| Provision for income taxes | 14,360 |
| Net income | 38,168 |
| Net decrease (increase) in deferred loan costs | -1,404 |
| Depreciation | 3,279 |
| Accretion of discounts on investment securities | 1,848 |
| Amortization of premiums on investment securities | 8,040 |
| Amortization of debt issuance costs | 145 |
| Accretion of premiums and discounts on acquired loans, net | 11,435 |
| Amortization of core deposit intangibles | 1,002 |
| Amortization of fair value marks on liabilities assumed | -2,661 |
| Stock-based compensation | 1,158 |
| Provision for credit losses | 3,754 |
| Net realized losses on sales and calls of afs securities | -41 |
| Net loss (gain) on sale and disposal of equipment | -40 |
| Net gain on sale of foreclosed assets | 39 |
| Net change in equity investments | 211 |
| Increase in bank-owned life insurance, net of expenses | 1,497 |
| Gain on proceeds from death benefits | 198 |
| Net decrease (increase) in accrued interest receivable and other assets | -4,919 |
| Net (decrease) increase in accrued interest payable and other liabilities | -5,722 |
| Provision (benefit) for deferred income taxes | -2,459 |
| Net cash provided by operating activities | 46,120 |
| Net cash and cash equivalents acquired in acquisition | 0 |
| Purchases of available-for-sale investment securities | 7,183 |
| Proceeds from sales or calls of afs securities | 500 |
| Proceeds from calls of htm securities | 13,981 |
| Proceeds from maturity and principal repayment of afs securities | 29,412 |
| Proceeds from principal repayments of htm securities | 1,709 |
| Net increase in loans | 196,739 |
| Proceeds from sale of foreclosed assets | 206 |
| Purchases of premises and equipment | 2,509 |
| Proceeds from sale of premises and equipment | 117 |
| Purchases of bank owned life insurance | 0 |
| Fhlb stock purchased | 0 |
| Net cash (used in) provided by investing activities | -160,506 |
| Net increase (decrease) in demand, interest-bearing and savings deposits | 124,330 |
| Net increase (decrease) in time deposits | 59,064 |
| Proceeds from borrowings from federal home loan bank | 1,467,000 |
| Repayments of borrowings to federal home loan bank | 1,529,000 |
| Proceeds from borrowings from other financial institutions | 0 |
| Repayments of borrowings from other financial institutions | 0 |
| Repayments of senior debt | 508 |
| Purchase and retirement of common stock | 151 |
| Proceeds from stock issued under employee stock purchase plan | 306 |
| Proceeds from exercise of stock options | 1,093 |
| Cash dividend payments on common stock | 9,162 |
| Net cash provided by (used in) financing activities | 112,972 |
| (decrease) increase in cash and cash equivalents | -1,414 |
| Cash and cash equivalents at beginning of year | 120,398 |
| Cash and cash equivalents at end of year | 118,984 |
Community West Bancshares (CWBC)
Community West Bancshares (CWBC)