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Income Statement
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Cash Flow
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Balance Sheet
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Cash Flow Overview
Change in Cash
-$17,080K
Free Cash flow
$10,592K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Net change in deposits
Proceeds from sale of loans held...
Maturities, prepayments and call...
Others
Negative Cash Flow Breakdown
Repayment of fhlb advances
Purchases
Originations of loans held for s...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
11,797
9,578
9,793
8,854
Depreciation
981
982
625
1,028
Amortization (accretion) of premiums and discounts on available-for-sale securities, net
129
78
52
24
Capitalized additions to servicing rights
441
320
275
313
Servicing rights amortization and impairment
328
523
637
586
Amortization of core deposit intangible
274
274
415
414
Amortization of customer list intangible
30
31
31
31
Net accretion of fair value adjustments
-427
-365
-556
-639
Amortization of subordinated note issuance costs
29
29
29
29
Stock-based compensation expense
385
331
317
333
Director stock awards
188
-
0
8
Deferred income taxes
-
-
-126
-
Provision for credit losses - loans
173
302
567
557
Provision for (recovery of) credit losses - off balance sheet credit exposures
148
6
-1
-272
Gain on sale of loans held for sale
683
575
306
444
Originations of loans held for sale
25,607
23,828
17,850
14,833
Proceeds from sale of loans held for sale
28,875
22,758
17,225
18,633
(gain) loss on derivatives
-25
-7
21
23
(gain) loss on sale of other assets owned
30
0
-2
0
Loss on sales of available-for-sale securities
-
-
0
-
Loss on sales of securities available-for-sale
0
-347
-
-
Increase in cash surrender value of bank owned life insurance
681
655
640
247
Change in other assets and other liabilities, net
4,434
1,696
-3,612
2,478
Net cash provided by operating activities
10,801
7,651
13,426
11,200
Maturities, prepayments and calls
25,521
19,619
20,332
16,583
Sales
0
5,354
0
1,374
Purchases
37,568
34,866
16,922
32,825
Purchases of fhlb stock
0
521
1,689
554
Proceeds from redemption of fhlb stock
1,991
881
166
3,039
Purchase of bank owned life insurance
2,500
-
18,000
-
Proceeds from bank owned life insurance
567
2,659
6,832
-
Change in interest-bearing time deposits
735
245
0
494
Proceeds from sale of other assets owned
977
-
155
0
Additions to premises and equipment
209
663
187
475
Net decrease (increase) on loan originations and principal collections
23,437
-30,998
53,617
32,732
Net cash used in investing activities
-33,923
23,706
-62,930
-15,265
Net change in deposits
59,746
78,927
-21,176
41,582
Net change in federal funds purchased and securities sold under agreements to repurchase
9
-22,956
15,000
-4,844
Proceeds from fhlb advances
0
32,180
40,000
0
Repayment of fhlb advances
50,543
40,574
539
536
Purchase of treasury stock
42
57
1
338
Cash dividends paid on common stock
3,128
3,125
3,092
3,000
Net cash provided by (used in) financing activities
6,042
44,395
30,192
32,864
Net increase (decrease) in cash and cash equivalents
-17,080
75,752
-19,312
28,799
Cash and cash equivalents - beginning of year
173,470
97,718
117,030
176,351
Cash and cash equivalents - end of period
156,390
173,470
97,718
117,030
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Proceeds from sale of
loans held for sale
$28,875K
(5.63%↑ Y/Y)
Net change in
deposits
$59,746K
(153.55%↑ Y/Y)
Net income
$11,797K
(-19.54%↓ Y/Y)
Depreciation
$981K
(-50.23%↓ Y/Y)
Stock-based compensation
expense
$385K
(-48.25%↓ Y/Y)
Servicing rights
amortization and impairment
$328K
(-9.14%↓ Y/Y)
Amortization of core deposit
intangible
$274K
(-66.91%↓ Y/Y)
Director stock awards
$188K
(3.87%↑ Y/Y)
Provision for credit
losses - loans
$173K
(-88.25%↓ Y/Y)
Provision for (recovery
of) credit losses -...
$148K
(163.52%↑ Y/Y)
Amortization of customer list
intangible
$30K
(-50.82%↓ Y/Y)
Amortization of subordinated
note issuance costs
$29K
(-49.12%↓ Y/Y)
(gain) loss on
derivatives
-$25K
(-213.64%↓ Y/Y)
Net change in
federal funds purchased...
$9K
(-97.38%↓ Y/Y)
Net cash provided by
operating activities
$10,801K
(-10.83%↓ Y/Y)
Net cash provided by
(used in) financing...
$6,042K
(115.21%↑ Y/Y)
Canceled cashflow
$32,432K
Canceled cashflow
$53,713K
Net increase
(decrease) in cash and cash...
-$17,080K
(80.62%↑ Y/Y)
Canceled cashflow
$16,843K
Maturities, prepayments and
calls
$25,521K
(-22.16%↓ Y/Y)
Proceeds from redemption
of fhlb stock
$1,991K
(126.77%↑ Y/Y)
Proceeds from sale of
other assets owned
$977K
(6413.33%↑ Y/Y)
Change in
interest-bearing time deposits
$735K
(50.00%↑ Y/Y)
Proceeds from bank owned
life insurance
$567K
Originations of loans held for
sale
$25,607K
(-15.09%↓ Y/Y)
Change in other assets
and other...
$4,434K
(71.66%↑ Y/Y)
Gain on sale of loans
held for sale
$683K
(26.25%↑ Y/Y)
Increase in cash
surrender value of bank...
$681K
(40.99%↑ Y/Y)
Capitalized additions to
servicing rights
$441K
(-14.37%↓ Y/Y)
Net accretion of
fair value...
-$427K
(63.72%↑ Y/Y)
Amortization (accretion) of
premiums and discounts on...
$129K
(214.16%↑ Y/Y)
(gain) loss on sale of
other assets owned
$30K
(176.92%↑ Y/Y)
Repayment of fhlb advances
$50,543K
(-12.28%↓ Y/Y)
Cash dividends paid
on common stock
$3,128K
(-47.81%↓ Y/Y)
Purchase of treasury
stock
$42K
(82.61%↑ Y/Y)
Net cash used in
investing activities
-$33,923K
(43.94%↑ Y/Y)
Canceled cashflow
$29,791K
Purchases
$37,568K
(25.94%↑ Y/Y)
Net decrease
(increase) on loan...
$23,437K
(-62.96%↓ Y/Y)
Purchase of bank owned
life insurance
$2,500K
Additions to premises and
equipment
$209K
(-81.09%↓ Y/Y)
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FARMERS & MERCHANTS BANCORP INC (FMAO)
FARMERS & MERCHANTS BANCORP INC (FMAO)