For the quarter ending 2025-09-30, FIISP had $98,624K increase in cash & cash equivalents over the period. -$6,029K in free cash flow.
| Cash Flow | 2025-09-30 |
|---|---|
| Net income | 54,887 |
| Depreciation and amortization | 5,699 |
| Net (accretion) amortization of (discounts) premiums on securities | 4,109 |
| Provision (benefit) for credit losses | 8,222 |
| Share-based compensation | 2,216 |
| Deferred income tax expense | 5,776 |
| Proceeds from sale of loans held for sale | 33,488 |
| Originations of loans held for sale | 32,918 |
| Income on company owned life insurance | 8,591 |
| Net gain on sale of loans held for sale | 542 |
| Net gain on sale or call of investment securities | 706 |
| Net gain on sale of assets of subsidiary | 0 |
| Net loss on sale and disposal of other assets | -281 |
| Decrease in other assets | -15,800 |
| Decrease in other liabilities | -82,105 |
| Net cash (used in) provided by operating activities | -2,602 |
| Purchases of available for sale securities | 137,957 |
| Purchases of held to maturity securities | 2,359 |
| Proceeds from principal payments, maturities and calls on available for sale securities | 58,971 |
| Proceeds from principal payments, maturities and calls on held to maturity securities | 30,692 |
| Proceeds from sales of available for sale securities | 94,142 |
| Proceeds from sales of securities-held to maturity | 0 |
| Net increase in loans | 119,699 |
| Purchase of company owned life insurance, net of benefits received | 72,086 |
| Proceeds received from surrender of company owned life insurance | 73,958 |
| Proceeds from sale of assets of subsidiary | 0 |
| Purchases of premises and equipment | 3,427 |
| Net cash (used in) provided by investing activities | -77,765 |
| Net increase in deposits | 253,078 |
| More than three months - repayments | 0 |
| Three months or less, net | -44,000 |
| Repayment of long-term borrowings | 10,000 |
| Purchases of common stock for treasury | 515 |
| Cash dividends paid to common and preferred shareholders | 19,572 |
| Net cash provided by (used in) financing activities | 178,991 |
| Net increase in cash and cash equivalents | 98,624 |
| Cash and cash equivalents at beginning of period | 87,321 |
| Cash and cash equivalents at end of period | 185,945 |
FINANCIAL INSTITUTIONS INC (FIISP)
FINANCIAL INSTITUTIONS INC (FIISP)