For the quarter ending 2025-09-30, FBNC had -$113,311K decrease in cash & cash equivalents over the period. $48,206K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 95,335 | - |
| Provision for credit losses | 6,770 | - |
| Net security premium amortization | -4,253 | - |
| Deferred income taxes, net | -6,838 | - |
| Loan discount accretion | 5,850 | - |
| Deposit and debt discount accretion, net | -864 | - |
| Foreclosed property losses (gains), net | -81 | - |
| Securities losses, net | -27,905 | - |
| Other (gains) losses, net | 916 | - |
| Bank-owned life insurance income | 3,738 | - |
| Net amortization of deferred loan costs/(fees) | 269 | - |
| Depreciation of premises and equipment | 5,106 | - |
| Amortization of operating lease right-of-use assets | 984 | - |
| Repayments of lease obligations | 931 | - |
| Stock-based compensation expense | 2,898 | - |
| Amortization of intangible assets | 4,378 | - |
| Amortization and impairment of sba servicing assets | 897 | - |
| Gains on sale of loans | 2,308 | - |
| Origination of presold mortgage loans and sba loans held for sale | 68,796 | - |
| Proceeds from sales of presold mortgage loans and sba loans | 75,953 | - |
| (increase) decrease in accrued interest receivable | -343 | - |
| (increase) decrease in other assets | 13,227 | - |
| (decrease) increase in accrued interest payable | -168 | - |
| Increase (decrease) in other liabilities | 11,035 | - |
| Net cash provided by (used in) operating activities | 49,668 | 98,307 |
| Purchases of securities available for sale | 216,686 | 136,987 |
| Proceeds from maturities, calls and principal repayments of securities available for sale | 48,551 | 103,558 |
| Proceeds from maturities, calls and principal repayments of securities held to maturity | 579 | 1,403 |
| Proceeds from sales of securities available for sale | 166,372 | 0 |
| Proceeds from sale of visa b shares | 0 | 0 |
| Purchases of federal reserve and fhlb stock | 39 | 359 |
| Redemptions of federal reserve and fhlb stock | 0 | 0 |
| Proceeds from bank owned life insurance death benefits | 195 | 92 |
| Purchases of other investments | 6,170 | 10,902 |
| Net (increase) decrease in loans | 195,149 | 135,599 |
| Proceeds from sales of foreclosed properties | 40 | 4,201 |
| Purchases of premises and equipment | 1,462 | 1,611 |
| Proceeds from sales of premises and equipment | 12 | 851 |
| Net cash (used in) provided by investing activities | -203,757 | -175,353 |
| Net increase (decrease) in deposits | 50,713 | 299,650 |
| Proceeds from the issuance of fhlb and frb borrowings | 0 | 2,000 |
| Repayment of fhlb and frb borrowings | 13 | 2,024 |
| Repayment of subordinated debentures | 0 | 0 |
| Cash dividends paid common stock | 9,539 | 18,208 |
| Repurchases of common stock | 0 | 992 |
| Proceeds from stock option exercises | 163 | 1,238 |
| Payment of taxes related to stock withheld | 546 | 839 |
| Net cash provided by (used in) financing activities | 40,778 | 280,825 |
| Increase (decrease) in cash and cash equivalents | -113,311 | 203,779 |
| Cash and cash equivalents at beginning of period | 507,507 | - |
| Cash and cash equivalents at end of period | 597,975 | - |
FIRST BANCORP NC (FBNC)
FIRST BANCORP NC (FBNC)