For the year ending 2025-12-31, CZWI had $68,681K increase in cash & cash equivalents over the period. $10,382K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income attributable to common stockholders | 14,420 |
| Net accretion on debt securities | 64 |
| Depreciation expense | 2,029 |
| Provision (provision reversal) for credit losses | 1,950 |
| Net (gains) losses on equity securities | 234 |
| Increase in mortgage servicing rights resulting from transfers of financial assets | -452 |
| Mortgage servicing rights amortization | 621 |
| Amortization of intangible assets | 584 |
| Stock based compensation expense | 146 |
| (increase) decrease in deferred income taxes | -1,058 |
| Increase in cash surrender value of life insurance | 806 |
| Net gains from disposals of foreclosed and repossessed assets | 15 |
| Provision for valuation allowance on foreclosed properties | 48 |
| Gain on sale of loans held for sale, net | 2,925 |
| Proceeds from sale of loans held for sale | 83,812 |
| Originations of loans held for sale | 84,512 |
| Amortization of debt issuance costs | 203 |
| Accrued interest receivable and other assets | 5,286 |
| Other liabilities | 3,232 |
| Total adjustments | -2,727 |
| Net cash from operating activities | 11,693 |
| Proceeds from bank owned life insurance (boli) death benefit | 0 |
| Purchase of available-for-sale securities | 9,949 |
| Proceeds from principal payments and maturities of available-for-sale securities | 14,561 |
| Proceeds from calls of available-for-sale securities | 9,450 |
| Proceeds from principal payments and maturities of held-to-maturity securities | 5,282 |
| Equity investment capital distribution | 197 |
| Purchase of equity investments | 1,200 |
| Net sales of other investments | -93 |
| Proceeds from sales of foreclosed and repossessed assets | 70 |
| Proceeds from insurance claim on foreclosed and repossessed assets | 0 |
| Net decrease in loans | -28,513 |
| Net capital expenditures | 1,311 |
| Proceeds from disposal of office properties and equipment | 0 |
| Net cash from investing activities | 45,706 |
| Change in short term in federal home loan bank advances, net | 0 |
| Federal home loan bank advance call payments | 0 |
| Federal home loan bank advance long-term maturities | 5,000 |
| Proceeds from other borrowings, net of origination costs | 4,995 |
| Other borrowings principal reductions | 15,000 |
| Net increase (decrease) in deposits | 35,951 |
| Repurchase shares of common stock | 6,055 |
| Surrender of restricted shares of common stock | 190 |
| Common stock options exercised | 179 |
| Cash dividends paid | 3,598 |
| Net cash from financing activities | 11,282 |
| Net increase (decrease) in cash and cash equivalents | 68,681 |
| Cash and cash equivalents at beginning of period | 50,172 |
| Cash and cash equivalents at end of period | 118,853 |
Citizens Community Bancorp Inc. (CZWI)
Citizens Community Bancorp Inc. (CZWI)