EMYB: the cash flow

MyFinsight

For the year ending 2025-12-31, EMYB had $16,337K increase in cash & cash equivalents over the period. $12,201K in free cash flow.

Cash Flow	2025-12-31
Net income	13,697
Provision (credit) for credit losses	109
Amortization of deferred loan costs	-405
Depreciation	1,065
Net accretion of investment security premiums and discounts	1,054
Stock compensation expense	382
Net realized gain on sale of other real estate owned	29
Income on bank owned life insurance	1,322
Deferred income taxes	-76
Increase in accrued interest receivable	672
Decrease in other assets	-2,139
Decrease in accrued interest payable	-614
Decrease in other liabilities	-1,197
Net cash provided by operating activities	12,833
Purchases of securities available for sale	108,901
Maturities, calls and principal repayments of securities available for sale	64,723
Net increase in loans	23,430
Net redemption of restricted investment in bank stock	-612
Purchases of premises and equipment	632
Net cash used in investing activities	-67,628
Net increase in deposits	87,293
Net increase (decrease) in securities sold under agreements to repurchase	4,985
Proceeds from employee stock purchase plan	69
Decrease in short-term borrowings	-15,625
Purchase of treasury stock	11
Purchase of treasury stock under stock repurchase plan	1,910
Dividends paid	3,669
Net cash provided by financing activities	71,132
Net increase in cash and cash equivalents	16,337
Cash and cash equivalents - beginning	96,522
Cash and cash equivalents - ending	112,859

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