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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
$3,958K
Free Cash flow
$3,954K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Net increase in time deposits
Proceeds from paydowns and matur...
Proceeds from long-term federal ...
Others
Negative Cash Flow Breakdown
Loan originations and principal ...
Purchases of available-for-sale ...
Net change in short-term federal...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2025-09-30
2025-06-30
Net income
2,439
2,737
Accretion of premiums and discounts on securities, net
25
109
Provision for credit losses
183
1,110
Change in deferred loan costs/fees
-107
-195
Gain on sales of loans, net
55
43
Proceeds from sales of loans
4,734
3,914
Loans originated for sale, net
3,175
5,375
Depreciation and amortization expense
74
150
Increase in accrued interest receivable
476
760
Decrease in accrued interest payable
192
368
Increase in bank-owned life insurance
121
233
Deferred income tax benefit
-134
-18
Esop expense
151
275
Stock-based compensation
280
637
Increase in other assets
267
-240
Restricted stock awards forfeited
-
-35
Decrease in other liabilities
83
-1,789
Net cash provided by operating activities
4,025
1,264
Proceeds from maturities of interest-bearing time deposits
-
100
Purchases of held-to-maturity securities
0
17,992
Proceeds from paydowns and maturities of held-to-maturity securities
8,358
24,396
Purchases of available-for-sale securities
10,891
16,319
Proceeds from paydowns and maturities of available-for-sale securities
178
2,941
Purchase of interest-bearing time deposits
7,998
-
Proceeds from maturities of interest-bearing time deposits
100
-
Investment in low-income housing tax credit fund
0
2,992
Purchase of federal home loan bank stock
1,315
2,761
Redemption of federal home loan bank stock
1,515
1,459
Loan originations and principal collections, net
-24,043
-143,766
Purchase of loans
0
2,806
Capital expenditures
71
68
Net cash used in investing activities
-34,267
-157,808
Net change in demand deposits, interest-bearing checking, savings and money market accounts
-1,891
18,104
Net increase in time deposits
43,058
50,801
Proceeds from long-term federal home loan bank advances
5,000
25,815
Repayments of long-term federal home loan bank advances
0
25,000
Net change in short-term federal home loan bank advances
-10,000
30,000
Restricted stock awards issued, net of awards surrendered
-1
-
Payments for shares repurchased under share repurchase plan
1,966
2,131
Net cash provided by financing activities
34,200
97,589
Net (decrease) increase in cash and cash equivalents
3,958
-58,955
Cash and cash equivalents at beginning of period
157,617
-
Cash and cash equivalents at end of period
102,620
-
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 time
deposits
$43,058K
Proceeds from sales of
loans
$4,734K
Proceeds from long-term
federal home loan bank...
$5,000K
Net income
$2,439K
Stock-based compensation
$280K
Decrease in accrued
interest payable
$192K
Provision for credit
losses
$183K
Esop expense
$151K
Change in deferred loan
costs/fees
-$107K
Decrease in other
liabilities
$83K
Depreciation and
amortization expense
$74K
Net cash provided by
financing activities
$34,200K
Net cash provided by
operating activities
$4,025K
Canceled cashflow
$13,858K
Canceled cashflow
$4,253K
Net (decrease)
increase in cash and cash...
$3,958K
Canceled cashflow
$34,267K
Net change in
short-term federal home...
-$10,000K
Payments for shares
repurchased under share...
$1,966K
Net change in demand
deposits,...
-$1,891K
Restricted stock awards
issued, net of awards...
-$1K
Proceeds from paydowns
and maturities of...
$8,358K
Redemption of federal home
loan bank stock
$1,515K
Proceeds from paydowns
and maturities of...
$178K
Proceeds from maturities
of...
$100K
Loans originated for
sale, net
$3,175K
Increase in accrued
interest receivable
$476K
Increase in other assets
$267K
Deferred income tax
benefit
-$134K
Increase in bank-owned
life insurance
$121K
Gain on sales of
loans, net
$55K
Accretion of premiums and
discounts on securities,...
$25K
Net cash used in
investing activities
-$34,267K
Canceled cashflow
$10,151K
Loan originations
and principal...
-$24,043K
Purchases of
available-for-sale securities
$10,891K
Purchase of
interest-bearing time deposits
$7,998K
Purchase of federal home
loan bank stock
$1,315K
Capital expenditures
$71K
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ECB Bancorp, Inc. MD (ECBK)
ECB Bancorp, Inc. MD (ECBK)