FDBC: the cashflow

MyFinsight

For the quarter ending 2025-09-30.

Cash Flow Overview

No enough data to generate the overview

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

Cash Flow	2025-09-30	2025-06-30
Net income	20,258	12,912
Depreciation, amortization and accretion	4,197	2,796
Provision for credit losses on loans	955	755
Net provision for credit losses on unfunded loan commitments	45	-65
Deferred income tax benefit	-1,375	-1,290
Stock-based compensation expense	864	655
Proceeds from sale of loans held-for-sale	49,503	34,015
Originations of loans held-for-sale	41,307	27,546
Earnings from bank-owned life insurance	1,179	780
Gain from bank-owned life insurance claim	166	166
Net gain from sales of loans	1,270	1,061
Net loss from sales of investment securities	-819	-822
Net gain from sale and write-down of foreclosed assets held-for-sale	76	76
Net (gain) loss from write-down and disposal of bank premises and equipment	297	298
Operating lease payments	52	35
Accrued interest receivable	543	356
Other assets	-1,542	-1,267
Accrued interest payable and other liabilities	662	2,642
Net cash provided by operating activities	32,684	24,261
Proceeds from sales	39,169	16,665
Proceeds from maturities, calls and principal pay-downs	19,612	13,284
Purchases	20,192	14,747
Increase in restricted investments in bank stock	340	279
Net increase in loans and leases	123,902	44,337
Principal portion of lease payments received under direct finance leases	2,577	1,761
Purchase of bank-owned life insurance policies	0	0
Purchases of bank premises and equipment	12,092	5,865
Proceeds from death benefits received on bank-owned life insurance	419	-
Proceeds from sale of bank premises and equipment	623	581
Proceeds from sale of foreclosed assets held-for-sale	533	533
Net cash used in investing activities	-93,593	-32,404
Net increase in deposits	126,901	95,017
Net decrease in borrowings	-184	-120
Repayment of finance lease obligation	165	113
Proceeds from employee stock purchase plan participants	248	248
Repurchase of shares to cover withholdings	87	87
Dividends paid, net of dividends reinvested	6,996	4,660
Net cash provided by financing activities	119,717	90,285
Net increase in cash and cash equivalents	58,808	82,142
Cash and cash equivalents at beginning of period	83,353	-
Cash and cash equivalents at end of period	142,161	-

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

Time Plot

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FDBC: the cashflow