For the quarter ending 2025-09-30, CWBC had -$12,815K decrease in cash & cash equivalents over the period. $12,781K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 10,873 | 16,125 |
| Net decrease (increase) in deferred loan costs | -617 | -316 |
| Depreciation | 829 | 1,610 |
| Accretion of discounts on investments | 486 | 880 |
| Amortization of premiums on investments | 3,774 | 2,283 |
| Amortization of debt issuance costs | 36 | 73 |
| Accretion of premiums and discounts on acquired loans, net | 2,569 | 6,297 |
| Amortization of core deposit intangibles | 251 | 501 |
| Amortization of fair value marks on liabilities assumed | -239 | -2,184 |
| Stock-based compensation | 275 | 600 |
| Provision for credit losses | 667 | 2,572 |
| Net realized losses on sales and calls of available-for-sale investment securities | -26 | -15 |
| Net loss (gain) on disposal of premises and equipment | 0 | -40 |
| Net gain on sale of foreclosed assets | 39 | - |
| Net change in equity securities | 64 | 119 |
| Increase in bank-owned life insurance, net of expenses | 379 | 738 |
| Gain on proceeds from death benefits | 198 | - |
| Net decrease in accrued interest receivable and other assets | 4,296 | -1,665 |
| Net increase (decrease) in accrued interest payable and other liabilities | 3,211 | 814 |
| Net change for deferred income taxes | -438 | -1,832 |
| Net cash provided by operating activities | 13,205 | 22,596 |
| Net cash and cash equivalents acquired in acquisition | 0 | 0 |
| Purchases of available-for-sale investment securities | 1,446 | 5,737 |
| Proceeds from sales or calls of available-for-sale investment securities | 225 | 275 |
| Proceeds from calls of held-to-maturity investment securities | 4,000 | 9,956 |
| Proceeds from maturity and principal repayments of available-for-sale investment securities | 8,007 | 15,761 |
| Proceeds from maturity and principal repayments of held-to-maturity investment securities | 572 | 717 |
| Net increase in loans | 49,763 | 59,241 |
| Proceeds from sale of foreclosed assets | 206 | - |
| Purchases of premises and equipment | 424 | 1,272 |
| Fhlb stock purchased | 0 | 0 |
| Proceeds from sale of premises and equipment | 0 | 117 |
| Net cash (used in) provided by investing activities | -38,623 | -39,424 |
| Net increase in demand, interest bearing and savings deposits | 70,358 | 48,593 |
| Net increase (decrease) in time deposits | 10,413 | 34,925 |
| Proceeds from short-term borrowings from federal home loan bank | 428,000 | 451,000 |
| Repayments of short-term borrowings to federal home loan bank | 494,000 | 500,000 |
| Repayments of borrowings from frb bank term funding program | 0 | 0 |
| Repurchase and retirement of common stock | 0 | 151 |
| Proceeds from stock issued under employee stock purchase plan | 69 | 183 |
| Proceeds from exercise of stock options | 59 | 820 |
| Cash dividend payments on common stock | 2,296 | 4,567 |
| Net cash provided by (used in) financing activities | 12,603 | 30,803 |
| Increase in cash and cash equivalents | -12,815 | 13,975 |
| Cash and cash equivalents at beginning of period | 120,398 | - |
| Cash and cash equivalents at end of period | 121,558 | - |
Community West Bancshares (CWBC)
Community West Bancshares (CWBC)