For the quarter ending 2025-09-30, FNLC had $4,246K increase in cash & cash equivalents over the period. $12,602K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 9,082 | 15,140 |
| Depreciation | 554 | 1,090 |
| Change in deferred taxes | -147 | 178 |
| Credit loss expense (reduction) | 700 | 878 |
| Loans originated for resale | 2,237 | 5,198 |
| Proceeds from sales and transfers of loans | 1,952 | 5,312 |
| Net gain on sales of loans | 48 | 114 |
| Net amortization of premiums on investments | -133 | -281 |
| Net gain on sale of other real estate owned | 0 | 33 |
| Provision for losses on other real estate owned | 0 | - |
| Equity compensation expense | 254 | 510 |
| Net increase in other assets and accrued interest | -1,409 | 8,279 |
| Net increase (decrease) in other liabilities | 928 | -847 |
| Net (gain) loss on disposal of premises and equipment | 0 | 10 |
| Amortization of investment in limited partnership | 314 | 626 |
| Net acquisition amortization | 7 | 13 |
| Net cash provided by operating activities | 12,901 | 9,547 |
| Decrease (increase) in interest-bearing deposits in other banks | 3,972 | -18,847 |
| Proceeds from maturities, payments and calls of securities available for sale | 9,340 | 17,151 |
| Proceeds from maturities, payments, calls and sales of securities to be held to maturity | 5,842 | 2,549 |
| Change in restricted equity securities | - | 531 |
| Proceeds from sales of other real estate owned | 0 | 206 |
| Purchases of securities available for sale | -1 | 14,109 |
| Purchases of securities to be held to maturity | 500 | 750 |
| Change in restricted equity securities | 287 | - |
| Net increase in loans | 4,944 | 53,853 |
| Capital expenditures | 299 | 1,487 |
| Proceeds from disposal of premises and equipment | -21 | 43 |
| Net cash used by investing activities | 6,265 | -31,934 |
| Net increase in demand, savings, and money market accounts | 139,539 | -83,956 |
| Net (decrease) increase in certificates of deposit | -107,326 | 64,042 |
| Net increase (decrease) in short-term borrowings | -43,702 | 49,892 |
| Advances on long-term borrowings | 500 | 0 |
| Payment to repurchase common stock | 9 | 275 |
| Proceeds from sale of common stock | 227 | 453 |
| Dividends paid | 4,149 | 8,045 |
| Net cash provided by financing activities | -14,920 | 22,111 |
| Net increase in cash and cash equivalents | 4,246 | -276 |
| Cash and cash equivalents at beginning of period | 27,636 | - |
| Cash and cash equivalents at end of period | 31,606 | - |
First Bancorp, Inc ME (FNLC)
First Bancorp, Inc ME (FNLC)