For the quarter ending 2025-09-30, FIISO had $92,911K increase in cash & cash equivalents over the period. -$7,897K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 20,477 | 34,410 |
| Depreciation and amortization | 1,874 | 3,825 |
| Net (accretion) amortization of (discounts) premiums on securities | 1,874 | 2,235 |
| Provision (benefit) for credit losses | 2,732 | 5,490 |
| Share-based compensation | 756 | 1,460 |
| Deferred income tax expense | 4,933 | 843 |
| Proceeds from sale of loans held for sale | 17,439 | 16,049 |
| Originations of loans held for sale | 17,050 | 15,868 |
| Income on company owned life insurance | 2,849 | 5,742 |
| Net gain on sale of loans held for sale | 285 | 257 |
| Net gain on sale or call of investment securities | 703 | 3 |
| Net gain on sale of assets of subsidiary | 0 | 0 |
| Net loss on sale and disposal of other assets | -281 | 0 |
| Decrease in other assets | 54 | -15,854 |
| Decrease in other liabilities | -32,559 | -49,546 |
| Net cash (used in) provided by operating activities | -6,882 | 4,280 |
| Purchase of company owned life insurance, net | - | 72,905 |
| Purchases of available for sale securities | 44,523 | 93,434 |
| Purchases of held to maturity securities | 314 | 2,045 |
| Proceeds from principal payments, maturities and calls on available for sale securities | 18,138 | 40,833 |
| Proceeds from principal payments, maturities and calls on held to maturity securities | 4,824 | 25,868 |
| Proceeds from sales of available for sale securities | 29,187 | 64,955 |
| Proceeds from sales of securities-held to maturity | 0 | - |
| Net increase in loans | 56,482 | 63,217 |
| Purchase of company owned life insurance, net of benefits received | 72,086 | - |
| Proceeds received from surrender of company owned life insurance | 0 | 73,958 |
| Proceeds from sale of assets of subsidiary | 0 | 0 |
| Purchases of premises and equipment | 1,015 | 2,412 |
| Net cash (used in) provided by investing activities | -49,366 | -28,399 |
| Net increase in deposits | 201,795 | 51,283 |
| More than three months - repayments | 0 | - |
| Three months or less, net | -44,000 | - |
| Repayment of long-term borrowings | 0 | 10,000 |
| Net increase in short-term borrowings | - | 2,000 |
| Purchases of common stock for treasury | 34 | 481 |
| Cash dividends paid to common and preferred shareholders | 6,602 | 12,970 |
| Net cash provided by (used in) financing activities | 149,159 | 29,832 |
| Net increase in cash and cash equivalents | 92,911 | 5,713 |
| Cash and cash equivalents at beginning of period | 87,321 | - |
| Cash and cash equivalents at end of period | 185,945 | - |
FINANCIAL INSTITUTIONS INC (FIISO)
FINANCIAL INSTITUTIONS INC (FIISO)