For the year ending 2025-12-31, FIISO had $21,430K increase in cash & cash equivalents over the period. $13,254K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income (loss) | 74,867 |
| Depreciation and amortization | 7,882 |
| Net amortization of (discounts) premiums on investment securities | 6,433 |
| Provision for credit losses | 11,626 |
| Share-based compensation | 3,077 |
| Provision for litigation settlement | 0 |
| Deferred income tax expense (benefit) | 11,545 |
| Proceeds from sale of loans held for sale | 46,083 |
| Originations of loans held for sale | 46,431 |
| Income on company owned life insurance | 11,379 |
| Net gain on sale of loans held for sale | 737 |
| Net (gain) loss on sale of investment securities | 931 |
| Net gain on sale of assets of subsidiary | 0 |
| Net loss on other assets | -506 |
| Decrease (increase) in other assets | -13,009 |
| (decrease) increase in other liabilities | -83,882 |
| Net cash provided by operating activities | 18,802 |
| Purchases of available for sale securities | 324,126 |
| Purchases of held to maturity securities | 3,932 |
| Proceeds from principal payments, maturities and calls on available for sale securities | 184,716 |
| Proceeds from principal payments, maturities and calls on held to maturity securities | 35,161 |
| Proceeds from sales of securities available for sale | 161,459 |
| Net increase in loans | 189,553 |
| Purchase of company owned life insurance, net of benefits received | 72,270 |
| Proceeds from surrender of company owned life insurance | 73,958 |
| Proceeds from sale of assets of subsidiary | 0 |
| Proceeds from sale of other assets | 97 |
| Purchases of premises and equipment | 5,548 |
| Net cash used in investing activities | -140,038 |
| Net increase (decrease) in deposits | 101,617 |
| More than three months - borrowings | 0 |
| 'more than three months - repayments | 0 |
| 'three months or less, net | 10,000 |
| Repurchase of preferred stock | 0 |
| Proceeds from issuance of common stock | 0 |
| Issuance of long-term borrowings | 80,000 |
| Payment of long-term borrowings | 10,000 |
| Long-term borrowing issuance costs | 1,358 |
| Purchases of common stock for treasury | 11,419 |
| Cash dividends paid to preferred shareholders | 1,458 |
| Cash dividends paid to common shareholders | 24,716 |
| Net cash provided by (used in) financing activities | 142,666 |
| Net increase (decrease) in cash and cash equivalents | 21,430 |
| Cash and cash equivalents, beginning of period | 87,321 |
| Cash and cash equivalents, end of period | 108,751 |
FINANCIAL INSTITUTIONS INC (FIISO)
FINANCIAL INSTITUTIONS INC (FIISO)