For the quarter ending 2025-09-30, FGBI had $39,313K increase in cash & cash equivalents over the period. $28,737K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net (loss) income | -45,003 | -13,469 |
| Provision for credit losses | 47,933 | 31,158 |
| Goodwill impairment | 12,900 | - |
| Depreciation and amortization | 1,068 | 2,189 |
| Change in right of use asset | 128 | 251 |
| Amortization/accretion of investments | 581 | 2,105 |
| (gain) loss on sale/call of securities | 0 | 0 |
| Loss (gain) on sale of assets | -366 | 4 |
| Repossessed asset write downs, gains and losses on dispositions | 0 | -24 |
| Interest expense paid-in-kind | 887 | 708 |
| Fhlb stock dividends | 123 | 250 |
| Change in operating lease liabilities | -119 | -233 |
| Change in other assets and liabilities, net | -11,969 | 31,197 |
| Net cash provided by operating activities | 29,425 | -12,928 |
| Proceeds from maturities, calls and sales of afs securities | 64,108 | 119,937 |
| Funds invested in certificates of deposit | 0 | - |
| Funds invested in afs securities | 38,212 | 231,470 |
| Funds invested in federal home loan bank stock | 0 | 0 |
| Proceeds from sale/redemption of federal home loan bank stock | 0 | 0 |
| Proceeds from maturities and calls of htm securities | - | 0 |
| Net decrease (increase) in loans | -109,621 | -268,151 |
| Purchase of premises and equipment | 688 | 481 |
| Proceeds from sales of premises and equipment | 1,234 | 4 |
| Proceeds from sales of other real estate owned | 12 | 130 |
| Net cash provided by (used in) investing activities | 136,075 | 156,271 |
| Net (decrease) increase in deposits | -126,441 | 5,078 |
| Net increase (decrease) in federal funds purchased and short-term borrowings | 0 | 108 |
| Repayment of long-term borrowings | 0 | 1,008 |
| Proceeds from subordinated debentures | 0 | 0 |
| Proceeds from issuance of common stock | 987 | 4,559 |
| Dividends paid on preferred stock | 582 | 1,164 |
| Dividends paid on common stock | 151 | 254 |
| Net cash (used in) provided by financing activities | -126,187 | 7,319 |
| Net increase in cash and cash equivalents | 39,313 | 150,662 |
| Cash and cash equivalents at beginning of period | 564,208 | - |
| Cash and cash equivalents at end of period | 754,183 | - |
First Guaranty Bancshares, Inc. (FGBI)
First Guaranty Bancshares, Inc. (FGBI)