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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
54,887
Depreciation and amortization
1,882
1,802
2,183
5,699
Net accretion of discounts on securities
2,226
2,003
2,324
4,109
Provision for credit losses
3,108
2,239
3,404
8,222
Share-based compensation
1,270
903
861
2,216
Provision for litigation settlement
-
-
0
-
Deferred income tax expense
2,070
1,628
5,769
5,776
Proceeds from sale of loans held for sale
11,252
10,946
12,595
33,488
Originations of loans held for sale
12,539
8,490
13,513
32,918
Income on company owned life insurance
2,884
2,772
2,788
8,591
Net gain on sale of loans held for sale
181
125
195
542
Net gain on investment securities
0
328
225
706
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
-15,800
Decrease in other liabilities
-543
-4,470
-1,777
-82,105
Net cash provided by operating activities
22,661
23,688
21,404
-2,602
Purchases of available for sale securities
114,615
152,968
186,169
137,957
Purchases of held to maturity securities
482
747
1,573
2,359
Proceeds from principal payments, maturities and calls on available for sale securities
207,557
51,642
125,745
58,971
Proceeds from principal payments, maturities and calls on held to maturity securities
3,257
3,380
4,469
30,692
Proceeds from sales of securities available for sale
0
18,379
67,317
94,142
Proceeds from sales of securities-held to maturity
-
-
-
0
Net increase in loans
126,675
-25,199
69,854
119,699
Purchase of company owned life insurance, net of benefits received
-
-
184
72,086
Purchase of company owned life insurance
7
22
-
-
Proceeds received from surrender of company owned life insurance
0
-
0
73,958
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
3,427
Net cash used in investing activities
-31,813
-55,787
-62,273
-77,765
Net increase in deposits
-38,416
131,533
-151,461
253,078
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
5,000
-
-
Repayment of long-term borrowings
0
115,000
0
10,000
Long-term borrowing issuance costs
-
-
1,358
-
Purchases of common stock for treasury
65
6,130
10,904
515
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
-
19,572
Net cash provided by financing activities
22,875
8,799
-36,325
178,991
Net (decrease) increase in cash and cash equivalents
13,723
-23,300
-77,194
98,624
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 Net income$21,184K Proceeds from sale ofloans held for sale$11,252K Provision for creditlosses$3,108K Deferred income taxexpense$2,070K Depreciation andamortization$1,882K Share-based compensation$1,270K Decrease in other assets-$295K Net cash provided byfinancing activities$22,875K Net cash provided byoperating activities$22,661K Canceled cashflow$45,125K Canceled cashflow$18,400K Net (decrease)increase in cash and cash...$13,723K Canceled cashflow$31,813K Net increase indeposits-$38,416K Cash dividends paidto common and...$6,644K Purchases of common stockfor treasury$65K Proceeds from principalpayments, maturities and...$207,557K Proceeds from principalpayments, maturities and...$3,257K Originations of loans held forsale$12,539K Income on company ownedlife insurance$2,884K Net accretion ofdiscounts on securities$2,226K Decrease in otherliabilities-$543K Net gain on sale ofloans held for sale$181K Net loss on otherassets$27K Net cash used ininvesting activities-$31,813K Canceled cashflow$210,814K Net increase inloans$126,675K Purchases of available forsale securities$114,615K Purchases of premises andequipment$848K Purchases of held tomaturity securities$482K Purchase of company ownedlife insurance$7K

FINANCIAL INSTITUTIONS INC (FISI)

FINANCIAL INSTITUTIONS INC (FISI)