For the quarter ending 2026-03-31, CWBC had $10,182K increase in cash & cash equivalents over the period. $8,203K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| 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 | 11,489 | 11,170 | 10,873 | 16,125 |
| Net decrease (increase) in deferred loan costs | - | -1,404 | - | - |
| Net (increase) decrease in deferred loan costs | 1,246 | - | -617 | -316 |
| Depreciation | 833 | 840 | 829 | 1,610 |
| Accretion of discounts on investments | 625 | 482 | 486 | 880 |
| Amortization of premiums on investments | 2,119 | 1,983 | 3,774 | 2,283 |
| Amortization of debt issuance costs | 36 | 36 | 36 | 73 |
| Net realized losses on sales and calls of afs securities | - | 0 | -26 | -15 |
| Accretion of premiums and discounts on acquired loans, net | 2,274 | 2,569 | 2,569 | 6,297 |
| Amortization of core deposit intangibles | 251 | 250 | 251 | 501 |
| Amortization of fair value marks on liabilities assumed | -155 | -238 | -239 | -2,184 |
| Stock-based compensation | 278 | 283 | 275 | 600 |
| Provision (credit) for credit losses | 90 | 515 | 667 | 2,572 |
| Net loss on disposal of premises and equipment | -44 | 0 | 0 | -40 |
| Net gain on sale of foreclosed assets | 25 | 0 | 39 | - |
| Net change in equity securities | -42 | 28 | 64 | 119 |
| Increase in bank-owned life insurance, net of expenses | 377 | 380 | 379 | 738 |
| Gain on proceeds from death benefits | - | 0 | 198 | - |
| Net decrease (increase) in accrued interest receivable and other assets | -2,793 | -7,550 | 4,296 | -1,665 |
| Net (decrease) increase in accrued interest payable and other liabilities | -4,590 | -9,747 | 3,211 | 814 |
| Purchases of bank owned life insurance | - | 0 | - | - |
| Net change for deferred income taxes | -996 | -189 | -438 | -1,832 |
| Fhlb stock purchased | - | 0 | 0 | 0 |
| Net cash provided by operating activities | 10,922 | 10,319 | 13,205 | 22,596 |
| Net cash and cash equivalents acquired in acquisition | - | 0 | 0 | 0 |
| Purchases of available-for-sale investment securities | 4,016 | 0 | 1,446 | 5,737 |
| Proceeds from sales or calls of afs securities | - | 0 | 225 | 275 |
| Proceeds from calls of held-to-maturity investment securities | 6,000 | 25 | 4,000 | 9,956 |
| Proceeds from maturity and principal repayments of available-for-sale investment securities | 3,423 | 5,644 | 8,007 | 15,761 |
| Proceeds from maturity and principal repayments of held-to-maturity investment securities | 412 | 420 | 572 | 717 |
| Net increase in loans | 7,576 | 87,735 | 49,763 | 59,241 |
| Proceeds from sale of foreclosed assets | 59 | 0 | 206 | - |
| Purchases of premises and equipment | 2,719 | 813 | 424 | 1,272 |
| Proceeds from sale of premises and equipment | 0 | 0 | 0 | 117 |
| Net cash (used in) provided by investing activities | -4,417 | -82,459 | -38,623 | -39,424 |
| Net increase in demand, interest bearing and savings deposits | 6,733 | 5,379 | 70,358 | 48,593 |
| Net increase in time deposits | 39,431 | 13,726 | 10,413 | 34,925 |
| Proceeds from borrowings from federal home loan bank | 1,215,000 | 588,000 | 428,000 | 451,000 |
| Repayments of borrowings to federal home loan bank | 1,254,000 | 535,000 | 494,000 | 500,000 |
| Proceeds from borrowings from other financial institutions | - | 0 | - | - |
| Repayments of senior debt | 386 | 0 | 0 | 0 |
| Repurchase and retirement of common stock | 57 | 0 | 0 | 151 |
| Proceeds from stock issued under employee stock purchase plan | 113 | 54 | 69 | 183 |
| Proceeds from exercise of stock options | 302 | 214 | 59 | 820 |
| Cash dividend payments on common stock | 2,299 | 2,299 | 2,296 | 4,567 |
| Net cash provided by financing activities | 4,837 | 69,566 | 12,603 | 30,803 |
| (decrease) increase in cash and cash equivalents | - | -1,414 | - | - |
| Increase in cash and cash equivalents | 10,182 | - | -12,815 | 13,975 |
| Cash and cash equivalents at beginning of period | 118,984 | 121,558 | 120,398 | - |
| Cash and cash equivalents at end of period | 130,326 | 118,984 | 121,558 | - |
Community West Bancshares (CWBC)
Community West Bancshares (CWBC)