ESQ: the cashflow

MyFinsight

For the quarter ending 2025-09-30.

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

Cash Flow	2025-09-30	2025-06-30
Net income	37,354	23,297
Provision for credit losses	6,775	5,025
Depreciation and amortization of premises and equipment	849	524
Stock compensation expense	3,583	2,280
Net gain on equity investments	432	432
Securities	357	248
Loans	80	53
Right of use asset	563	373
Software	1,351	927
Accrued interest receivable	1,565	967
Other assets	8,812	5,687
Operating lease liability	-670	-443
Accrued expenses and other liabilities	3,774	1,205
Net cash provided by operating activities	43,047	26,297
Net change in loans	156,514	117,467
Purchases of securities available-for-sale	38,471	31,069
Principal repayments on securities available-for-sale	30,712	20,090
Principal repayments on securities held-to-maturity	6,296	4,140
Purchases of securities, restricted	139	139
Proceeds from equity investment	1,232	1,232
Purchase of equity investment	700	700
Purchases of premises and equipment	2,821	2,316
Development of capitalized software	2,064	1,191
Net cash used in investing activities	-162,469	-127,420
Net increase in deposits	237,204	140,092
Decrease in borrowings	2	1
Exercise of stock options, net of repurchases	875	480
Cash dividends paid to common stockholders	4,225	2,804
Net cash provided by financing activities	233,852	137,767
Increase (decrease) in cash and cash equivalents	114,430	36,644
Cash and cash equivalents at beginning of period	126,329	-
Cash and cash equivalents at end of period	240,759	-

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

ESQ: the cashflow