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Income Statement
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Cash Flow
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Balance Sheet
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Cash Flow Overview
Change in Cash
$27,989K
Free Cash flow
$15,274K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Net increase in loans
Proceeds from sales of loans hel...
Net income
Others
Negative Cash Flow Breakdown
Origination of loans held for sa...
Repayments of long-term borrowin...
Redemption of senior notes
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Net income
14,057
-18,688
6,551
12,410
Credit (provision) for credit losses
-1,846
8,849
2,163
2,590
Realized (gains) losses on available-for-sale debt securities, net
1
26
-
-
Net amortization of securities
-360
725
-346
-710
Increase in cash surrender value of life insurance
527
-885
477
923
Depreciation and amortization of bank premises and equipment
689
-989
561
1,115
Net amortization (accretion) of acquisition accounting adjustments
-308
-116
6
60
Stock-based compensation
337
-680
337
656
Deferred income taxes
-18
29
-723
36
Decrease in fair value of servicing rights
91
-28
99
101
Net gains from sale of loans
608
-555
408
517
Origination of loans held for sale
23,191
-16,372
13,559
17,775
Proceeds from sales of loans held for sale
22,361
-19,519
15,976
16,713
Decrease (increase) in accrued interest receivable and other assets
-5,393
1,925
-940
88
Decrease in accrued interest payable and other liabilities
-2,010
3,093
-509
-4,947
Other
29
-89
37
75
Net cash provided by operating activities
15,424
-12,770
11,328
10,096
Proceeds from sale of foreclosed assets
-
-
0
58
Proceeds from maturities of certificates of deposit
-750
-
750
250
Proceeds from calls and maturities of available-for-sale debt securities
13,605
-19,556
14,602
20,897
Purchase of available-for-sale debt securities
14,036
-27,854
18,230
17,501
Redemption of federal home loan bank of pittsburgh stock
6,167
2,258
650
946
Purchase of federal home loan bank of pittsburgh stock
6,221
4,263
604
320
Purchase of federal reserve bank stock
10
16
10
22
Net increase in loans
-36,875
-9,274
25,831
24,008
Proceeds from bank-owned life insurance
-
-
0
-
Purchase of premises and equipment
150
-1,265
426
1,027
Other
-5
-30
16
-18
Net cash provided by (used in) investing activities
36,485
15,788
-29,115
-20,709
Net increase in deposits
3,719
-36,452
55,959
15,867
Net decrease in short-term borrowings
1,053
-14,029
956
-1,955
Proceeds from long-term borrowings - fhlb advances
6,000
27,054
0
0
Repayments of long-term borrowings - fhlb advances
15,097
-24,057
11,000
21,557
Redemption of senior notes
15,000
-
-
-
Purchases of treasury stock
30
-28
0
208
Common dividends paid
4,565
-7,150
3,907
7,839
Net cash provided by (used in) financing activities
-23,920
7,808
42,008
-15,692
Increase (decrease) in cash and cash equivalents
27,989
10,826
24,221
-26,305
Cash and cash equivalents, beginning of period
121,490
121,490
123,574
-
Cash and cash equivalents, end of period
81,437
53,448
121,490
-
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
Show the time plot by selecting a row from the table.
Cash Flow
Net increase in
loans
-$36,875K
(-253.59%↓ Y/Y)
Proceeds from sales of
loans held for sale
$22,361K
(33.79%↑ Y/Y)
Proceeds from calls and
maturities of...
$13,605K
(-34.89%↓ Y/Y)
Redemption of federal home
loan bank of...
$6,167K
(551.90%↑ Y/Y)
Other
-$5K
(72.22%↑ Y/Y)
Net income
$14,057K
(13.27%↑ Y/Y)
Decrease (increase) in
accrued interest...
-$5,393K
(-6228.41%↓ Y/Y)
Depreciation and
amortization of bank premises...
$689K
(-38.21%↓ Y/Y)
Net amortization of
securities
-$360K
(49.30%↑ Y/Y)
Stock-based compensation
$337K
(-48.63%↓ Y/Y)
Net amortization
(accretion) of acquisition...
-$308K
(-613.33%↓ Y/Y)
Decrease in fair value of
servicing rights
$91K
(-9.90%↓ Y/Y)
Other
$29K
(-61.33%↓ Y/Y)
Net cash provided by
(used in) investing...
$36,485K
(276.18%↑ Y/Y)
Net cash provided by
operating activities
$15,424K
(52.77%↑ Y/Y)
Canceled cashflow
$21,167K
Canceled cashflow
$28,201K
Increase (decrease) in
cash and cash...
$27,989K
(206.40%↑ Y/Y)
Canceled cashflow
$23,920K
Purchase of
available-for-sale debt securities
$14,036K
(-19.80%↓ Y/Y)
Purchase of federal home
loan bank of...
$6,221K
(1844.06%↑ Y/Y)
Proceeds from maturities
of certificates of...
-$750K
(-400.00%↓ Y/Y)
Purchase of premises and
equipment
$150K
(-85.39%↓ Y/Y)
Purchase of federal
reserve bank stock
$10K
(-54.55%↓ Y/Y)
Proceeds from long-term
borrowings - fhlb advances
$6,000K
Net increase in
deposits
$3,719K
(-76.56%↓ Y/Y)
Net decrease in
short-term borrowings
$1,053K
(153.86%↑ Y/Y)
Origination of loans held for
sale
$23,191K
(30.47%↑ Y/Y)
Decrease in accrued
interest payable and...
-$2,010K
(59.37%↑ Y/Y)
Credit (provision) for
credit losses
-$1,846K
(-171.27%↓ Y/Y)
Net gains from sale
of loans
$608K
(17.60%↑ Y/Y)
Increase in cash
surrender value of life...
$527K
(-42.90%↓ Y/Y)
Deferred income taxes
-$18K
(-150.00%↓ Y/Y)
Realized (gains) losses
on...
$1K
Net cash provided by
(used in) financing...
-$23,920K
(-52.43%↓ Y/Y)
Canceled cashflow
$10,772K
Repayments of long-term
borrowings - fhlb advances
$15,097K
(-29.97%↓ Y/Y)
Redemption of senior notes
$15,000K
Common dividends paid
$4,565K
(-41.77%↓ Y/Y)
Purchases of treasury
stock
$30K
(-85.58%↓ Y/Y)
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CITIZENS & NORTHERN CORP (CZNC)
CITIZENS & NORTHERN CORP (CZNC)