First Carolina Financial Services, Inc. (FCBM) Cash Flow Statement

Cash Flow Overview

Change in Cash

-$15,295K

Free Cash flow

$19,169K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2026-06-30

Net income

11,007

Depreciation

1,008

Amortization of internally developed software

1,855

Net gains on sale of securities

108

Net amortization (accretion) on securities

-292

Amortization of intangible assets

1,386

Amortization of subordinated debt issuance costs

Provision (recoveries) for credit losses

-125

Deferred income tax expense

1,035

Bank-owned life insurance income

1,190

Stock-based compensation expense

1,978

Prepaid expenses and other assets

-6,864

Accrued expenses and other liabilities

-3,276

Accrued interest payable

-1,376

Net cash provided by operating activities

19,403

Proceeds from maturities, prepayments, and calls of afs securities

29,813

Proceeds from sales of afs securities

86,190

Purchases of afs securities

129,228

Proceeds from maturities, prepayments, and calls of htm securities

Loan originations and principal payments on loans, net

94,379

Change in fhlb stock

-993

Purchase of bank-owned life insurance

9,031

Net purchases of premises and equipment

234

Net cash paid in acquisition of bm technologies, inc

Net cash used in investing activities

-115,876

Net increase in deposits

35,042

Net change in federal reserve advances

Net change in fhlb advances

25,000

Repurchase of common stock

Offering expense related to 2024 issuance of common stock

Net proceeds from issuance of common stock

71,176

Net cash provided by financing activities

81,178

Net increase (decrease) in cash and cash equivalents

-15,295

Cash and cash equivalents, beginning of year

134,116

Cash and cash equivalents, end of year

118,821

Time Plot

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