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Cash Flow Overview

Free Cash flow
$9,032K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net change in short-term borrowi...
    • Proceeds from sales of securitie...
    • Proceeds from loans held for sal...
    • Others
Negative Cash Flow Breakdown
    • Purchases of securities availabl...
    • Loan originations and payments, ...
    • Origination of loans held for sa...
    • Others
Cash Flow
2025-09-30
2025-06-30
Net income
12,461
27,488
Provision (credit) for credit losses
1,501
3,608
Credit for unfunded loans
-82
-264
Depreciation and amortization
1,697
3,349
Net amortization (accretion) of securities
-294
-181
Available for sale security losses
-960
-1,334
Realized gains on equity securities
33
56
Gain on debt extinguishment
0
-
(gain) loss on premises and equipment sales and disposals, net
-35
113
Stock compensation expense
645
1,287
Earnings on bank owned life insurance
852
1,531
Income recognized from death benefit on bank owned life insurance
0
111
Origination of loans held for sale
28,275
38,327
Proceeds from loans held for sale
26,183
40,213
Net gains on sale of loans
559
655
Net change in other assets and liabilities
2,675
6,353
Net cash from operating activities
10,712
29,688
Proceeds from maturities and repayments of securities available for sale
20,306
33,680
Proceeds from sales of securities available for sale
28,750
23,901
Purchases of securities available for sale
49,196
45,983
Proceeds from sales of equity securities
15
55
Purchase of equity securities
15
57
Proceeds from sales of equity securities-Sbic Funds
100
910
Purchase of equity securities-Sbic Funds
493
2,465
Proceeds from redemption of restricted stock
5,603
11,945
Purchase of restricted stock
7,012
7,337
Loan originations and payments, net
-35,145
-29,458
Purchase of portfolio loans
0
8,044
Proceeds from loans held for sale previously classified as portfolio loans
120
3,445
Proceeds from boli death benefit
0
460
Purchase of company owned life insurance
0
15,000
Proceeds from land, building and equipment sales
0
298
Additions to premises and equipment
1,680
5,092
Net cash from investing activities
-38,647
-38,742
Net change in deposits
4,098
129,638
Net change in short-term borrowings
32,000
-102,000
Redemption of subordinated debentures
0
-
Cash dividends paid
6,369
12,727
Cash paid for withholding taxes on share-based awards
189
855
Net cash from financing activities
29,540
14,056
Net change in cash and cash equivalents
1,605
5,002
Cash and cash equivalents at beginning of period
85,738
-
Cash and cash equivalents at end of period
92,345
-
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 change inshort-term borrowings$32,000K Proceeds from loans heldfor sale$26,183K Net change indeposits$4,098K Net income$12,461K Depreciation andamortization$1,697K Provision (credit) forcredit losses$1,501K Available for salesecurity losses-$960K Stock compensationexpense$645K (gain) loss on premisesand equipment sales...-$35K Net cash fromfinancing activities$29,540K Net cash fromoperating activities$10,712K Canceled cashflow$6,558K Canceled cashflow$32,770K Net change in cashand cash...$1,605K Canceled cashflow$38,647K Cash dividends paid$6,369K Cash paid forwithholding taxes on...$189K Proceeds from sales ofsecurities available for...$28,750K Proceeds from maturitiesand repayments of...$20,306K Proceeds from redemptionof restricted...$5,603K Proceeds from loans heldfor sale previously...$120K Proceeds from sales ofequity...$100K Proceeds from sales ofequity securities$15K Origination of loans held forsale$28,275K Net change in otherassets and liabilities$2,675K Earnings on bank ownedlife insurance$852K Net gains on sale ofloans$559K Net amortization(accretion) of securities-$294K Credit for unfundedloans-$82K Realized gains on equitysecurities$33K Net cash frominvesting activities-$38,647K Canceled cashflow$54,894K Purchases of securitiesavailable for sale$49,196K Loan originationsand payments, net-$35,145K Purchase of restrictedstock$7,012K Additions to premises andequipment$1,680K Purchase of equitysecurities-Sbic Funds$493K Purchase of equitysecurities$15K

FARMERS NATIONAL BANC CORP OH (FMNB)

FARMERS NATIONAL BANC CORP OH (FMNB)