FMCB: the cash flow

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The latest financial statement is for the year ending 2025-12-31.

Cash Flow	2025-12-31
Net income	93,605
Provision for credit losses	3,500
Depreciation and amortization	3,063
Net accretion of securities premiums and discounts	1,903
Stock based compensation expenses	11,550
Increase in cash surrender value of boli	2,529
Gain on boli death benefit	0
(increase)/decrease in deferred income taxes, net	10,028
Net realized (gain)/loss on sale of securities available-for-sale	44
Other assets	-29,151
Other liabilities	-22,171
Net cash provided by operating activities	104,194
Net decrease/(increase) in loans and leases held for investment	-27,676
Purchase of available-for-sale securities	564,846
Purchase of held-to-maturity securities	9,581
Proceeds from sales, maturities, calls and pay downs of available-for-sale securities	102,472
Proceeds from maturities, calls and pay downs of held-to-maturity securities	60,371
Purchase of bank-owned life insurance	0
Purchase of premises and equipment	7,578
Purchase of other investments	10,660
Redemption of other investments	0
Proceeds from bank-owned life insurance	0
Proceeds from sale of assets	133
Net cash used in investing activities	-402,013
Net increase/(decrease) in deposits	278,687
Cash dividends paid	13,841
Net cash used in share repurchase program	2,933
Purchase of treasury stock	31,793
Net cash provided by/(used in) financing activities	230,120
Net change in cash and cash equivalents	-67,699
Cash and cash equivalents, beginning of year	212,563
Cash and cash equivalents, end of year	144,864

Unit: Thousand (K) dollars (except for numbers of shares and EPS).