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Cash Flow Overview

Change in Cash
$13,723K
Free Cash flow
$21,813K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from principal payments...
    • Net increase in short-term borro...
    • Net income
    • Others
Negative Cash Flow Breakdown
    • Net increase in loans
    • Purchases of available for sale ...
    • Net increase in deposits
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
21,184
20,985
19,980
20,477
Depreciation and amortization
1,882
1,802
2,183
1,874
Net accretion of discounts on securities
2,226
2,003
2,324
1,874
Provision for credit losses
3,108
2,239
3,404
2,732
Share-based compensation
1,270
903
861
756
Provision for litigation settlement
-
-
0
-
Deferred income tax expense
2,070
1,628
5,769
4,933
Proceeds from sale of loans held for sale
11,252
10,946
12,595
17,439
Originations of loans held for sale
12,539
8,490
13,513
17,050
Income on company owned life insurance
2,884
2,772
2,788
2,849
Net gain on sale of loans held for sale
181
125
195
285
Net gain on investment securities
0
328
225
703
Net gain on sale of assets of subsidiary
-
-
0
0
Net loss on other assets
27
-481
-225
-281
Decrease in other assets
-295
-2,892
2,791
54
Decrease in other liabilities
-543
-4,470
-1,777
-32,559
Net cash provided by operating activities
22,661
23,688
21,404
-6,882
Purchases of available for sale securities
114,615
152,968
186,169
44,523
Purchases of held to maturity securities
482
747
1,573
314
Proceeds from principal payments, maturities and calls on available for sale securities
207,557
51,642
125,745
18,138
Proceeds from principal payments, maturities and calls on held to maturity securities
3,257
3,380
4,469
4,824
Proceeds from sales of securities available for sale
0
18,379
67,317
29,187
Proceeds from sales of securities-held to maturity
-
-
-
0
Net increase in loans
126,675
-25,199
69,854
56,482
Purchase of company owned life insurance, net of benefits received
-
-
184
72,086
Purchase of company owned life insurance
7
-72,883
-
-
Proceeds received from surrender of company owned life insurance
0
-
0
0
Proceeds from sale of assets of subsidiary
-
-
0
0
Proceeds from sale of other assets
-
-
97
-
Purchases of premises and equipment
848
650
2,121
1,015
Net cash used in investing activities
-31,813
-55,787
-62,273
-49,366
Net increase in deposits
-38,416
131,533
-151,461
201,795
More than three months - borrowings
-
-
0
-
'more than three months - repayments
-
-
0
0
'three months or less, net
-
-
54,000
-44,000
Repurchase of preferred stock
-
-
0
-
Proceeds from issuance of common stock
-
-
0
-
Issuance of long-term borrowings
-
-
80,000
-
Net increase in short-term borrowings
68,000
3,000
-
-
Repayment of long-term borrowings
0
115,000
0
0
Long-term borrowing issuance costs
-
-
1,358
-
Purchases of common stock for treasury
65
6,130
10,904
34
Cash dividends paid to preferred shareholders
-
-
1,458
-
Cash dividends paid to common shareholders
-
-
24,716
-
Cash dividends paid to common and preferred shareholders
6,644
-12,968
-
6,602
Net cash provided by financing activities
22,875
8,799
-36,325
149,159
Net (decrease) increase in cash and cash equivalents
13,723
-23,300
-77,194
92,911
Cash and cash equivalents, beginning of period
85,451
108,751
185,945
87,321
Cash and cash equivalents, end of period
99,174
85,451
108,751
185,945
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net increase inshort-term borrowings$68,000K (3300.00%↑ Y/Y)Net income$21,184K (-38.44%↓ Y/Y)Proceeds from sale ofloans held for sale$11,252K (-29.89%↓ Y/Y)Provision for creditlosses$3,108K (-43.39%↓ Y/Y)Deferred income taxexpense$2,070K (145.55%↑ Y/Y)Depreciation andamortization$1,882K (-50.80%↓ Y/Y)Share-based compensation$1,270K (-13.01%↓ Y/Y)Decrease in other assets-$295K (98.14%↑ Y/Y)Net cash provided byfinancing activities$22,875K (-23.32%↓ Y/Y)Net cash provided byoperating activities$22,661K (429.46%↑ Y/Y)Canceled cashflow$45,125K Canceled cashflow$18,400K Net (decrease)increase in cash and cash...$13,723K (140.21%↑ Y/Y)Canceled cashflow$31,813K Net increase indeposits-$38,416K (-174.91%↓ Y/Y)Cash dividends paidto common and...$6,644K (-48.77%↓ Y/Y)Purchases of common stockfor treasury$65K (-86.49%↓ Y/Y)Proceeds from principalpayments, maturities and...$207,557K (408.31%↑ Y/Y)Proceeds from principalpayments, maturities and...$3,257K (-87.41%↓ Y/Y)Originations of loans held forsale$12,539K (-20.98%↓ Y/Y)Income on company ownedlife insurance$2,884K (-49.77%↓ Y/Y)Net accretion ofdiscounts on securities$2,226K (-0.40%↓ Y/Y)Decrease in otherliabilities-$543K (98.90%↑ Y/Y)Net gain on sale ofloans held for sale$181K (-29.57%↓ Y/Y)Net loss on otherassets$27K Net cash used ininvesting activities-$31,813K (-12.02%↓ Y/Y)Canceled cashflow$210,814K Net increase inloans$126,675K (100.38%↑ Y/Y)Purchases of available forsale securities$114,615K (22.67%↑ Y/Y)Purchases of premises andequipment$848K (-64.84%↓ Y/Y)Purchases of held tomaturity securities$482K (-76.43%↓ Y/Y)Purchase of company ownedlife insurance$7K (-99.99%↓ Y/Y)

FINANCIAL INSTITUTIONS INC (FIISO)

FINANCIAL INSTITUTIONS INC (FIISO)