CZNC: the cashflow

MyFinsight

For the quarter ending 2025-09-30.

Cash Flow Overview

No enough data to generate the overview

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Cash Flow	2025-09-30	2025-06-30
Net income	18,961	12,410
Provision for credit losses	4,753	2,590
Net amortization of securities	-1,056	-710
Increase in cash surrender value of life insurance	1,400	923
Depreciation and amortization of bank premises and equipment	1,676	1,115
Net accretion of acquisition accounting adjustments	66	60
Stock-based compensation	993	656
Deferred income taxes	-687	36
Decrease in fair value of servicing rights	200	101
Net gains from sale of loans	925	517
Origination of loans held for sale	31,334	17,775
Proceeds from sales of loans held for sale	32,689	16,713
Decrease (increase) in accrued interest receivable and other assets	-852	88
(decrease) increase in accrued interest payable and other liabilities	-5,456	-4,947
Other	112	75
Net cash provided by operating activities	21,424	10,096
Proceeds from maturities of certificates of deposit	1,000	250
Proceeds from calls and maturities of available-for-sale debt securities	35,499	20,897
Purchase of available-for-sale debt securities	35,731	17,501
Redemption of federal home loan bank of pittsburgh stock	1,596	946
Purchase of federal home loan bank of pittsburgh stock	924	320
Purchase of federal reserve bank stock	32	22
Net increase in loans	49,839	24,008
Proceeds from bank-owned life insurance	0	-
Purchase of premises and equipment	1,453	1,027
Proceeds from sale of foreclosed assets	58	58
Other	-2	-18
Net cash used in investing activities	-49,824	-20,709
Net increase in deposits	71,826	15,867
Net decrease in short-term borrowings	-999	-1,955
Proceeds from long-term borrowings - fhlb advances	0	0
Repayments of long-term borrowings - fhlb advances	32,557	21,557
Purchases of treasury stock	208	208
Common dividends paid	11,746	7,839
Net cash provided by financing activities	26,316	-15,692
(decrease) increase in cash and cash equivalents	-2,084	-26,305
Cash and cash equivalents at beginning of period	123,574	-
Cash and cash equivalents at end of period	121,490	-

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Time Plot

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CZNC: the cashflow