For the year ending 2025-12-31, FGBI had $281,493K increase in cash & cash equivalents over the period. -$9,976K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | -56,022 |
| Provision for credit losses | 81,729 |
| Goodwill impairment | 12,900 |
| Depreciation and amortization | 4,290 |
| Change in right of use asset | 509 |
| Amortization/accretion of investments | 3,126 |
| Loss (gain) on sale of assets | -623 |
| Repossessed asset write downs, gains and losses on dispositions | -433 |
| Interest expense paid-in-kind | 2,474 |
| Fhlb stock dividends | 500 |
| Change in operating lease liabilities | -474 |
| Change in other assets and liabilities, net | 51,116 |
| Net cash (used in) provided by operating activities | -8,280 |
| Increase in interest bearing deposits | 0 |
| Proceeds from maturities, calls and sales of afs securities | 201,380 |
| Funds invested in afs securities | 587,765 |
| Proceeds from maturities and calls of htm securities | 970 |
| Funds invested in htm securities | 970 |
| Proceeds from sale/redemption of federal home loan bank stock | 0 |
| Funds invested in federal home loan bank stock | 0 |
| Net decrease in loans | -516,698 |
| Purchases of premises and equipment | 1,696 |
| Proceeds from sales of premises and equipment | 1,138 |
| Proceeds from sales of other real estate owned | 142 |
| Net cash provided by (used in) investing activities | 129,897 |
| Net increase in deposits | 156,617 |
| Net increase (decrease)in federal funds purchased and short-term borrowings | 110 |
| Proceeds of long-term borrowings, net of costs | 0 |
| Repayment of long-term borrowings | 1,008 |
| Proceeds from issuance of common stock | 7,046 |
| Dividends paid on preferred stock | 2,329 |
| Dividends paid on common stock | 560 |
| Net cash provided by financing activities | 159,876 |
| Net increase in cash and cash equivalents | 281,493 |
| Cash and cash equivalents at the beginning of the period | 564,208 |
| Cash and cash equivalents at the end of the period | 845,701 |
First Guaranty Bancshares, Inc. (FGBI)
First Guaranty Bancshares, Inc. (FGBI)