For the year ending 2025-12-31, FNWB had $12,669K increase in cash & cash equivalents over the period.
| Cash Flow | 2025-12-31 |
|---|---|
| Net loss | -4,191 |
| Depreciation and amortization | 1,248 |
| Amortization of core deposit intangible | 20 |
| Amortization and accretion of premiums and discounts on investments, net | 25 |
| Accretion of deferred loan fees and purchased premiums, net | 1,784 |
| Amortization of debt issuance costs | 72 |
| Change in fair value of sold loan servicing rights | 280 |
| Additions to servicing rights on sold loans, net | -13 |
| Provision for credit losses on loans | 7,320 |
| Recapture of provision for credit losses on unfunded commitments | -5 |
| Deferred income tax expense (benefit) | -2,014 |
| Allocation of esop shares | 485 |
| Share-based compensation expense | 733 |
| Gain on sale of loans, net | 112 |
| Loss on sale of securities available for sale, net | 0 |
| Gain on extinguishment of subordinated debt | 848 |
| Increase in cash surrender value of life insurance, net | 1,889 |
| Income from death benefit on bank-owned life insurance, net | 1,059 |
| Origination of loans held for sale | 25,166 |
| Proceeds from loans held for sale | 31,168 |
| Legal settlement paid | 5,740 |
| Insurance reimbursement | 1,681 |
| Decrease (increase) in accrued interest receivable | -1,661 |
| Decrease (increase) in rou asset | -1,405 |
| Decrease in prepaid expenses and other assets | -476 |
| Decrease in accrued interest payable | -2,072 |
| (decrease) increase in lease liabilities | -1,096 |
| (decrease) increase in accrued expenses and other liabilities | -3,293 |
| Net cash (used) provided by operating activities | -2,758 |
| Purchase of securities available for sale | 5,534 |
| Proceeds from maturities, calls, and principal repayments of securities available for sale | 85,976 |
| Proceeds from sales of securities available for sale | 0 |
| Redemption (purchase) of fhlb stock | -1,330 |
| Early surrender of bank-owned life insurance policy | 9,375 |
| Purchase of bank-owned life insurance | 9,109 |
| Proceeds from bank-owned life insurance death benefit | 1,968 |
| Net decrease (increase) in loans receivable | -49,762 |
| Proceeds from sale of premises and equipment | 417 |
| Capital contributions to partnership investments | 990 |
| Redemption of partnership investment | 0 |
| Capital disbursements from partnership agreements | 794 |
| Capital contributions to low-income housing tax credit partnerships | 1,051 |
| Net cash provided (used) by investing activities | 132,938 |
| Net (decrease) increase in deposits | -88,925 |
| Proceeds from long-term fhlb advances | 30,000 |
| Repayment of long-term fhlb advances | 30,000 |
| Net decrease in short-term fhlb advances | 30,000 |
| Redemption of subordinated debt, net | 4,095 |
| Net increase in line of credit | 7,000 |
| Net (decrease) increase in advances from borrowers for taxes and insurance | -60 |
| Payment of dividends | 1,318 |
| Restricted stock awards canceled | 113 |
| Repurchase of common stock | 0 |
| Net cash (used) provided by financing activities | -117,511 |
| Net increase (decrease) in cash and cash equivalents | 12,669 |
| Cash and cash equivalents at beginning of year | 72,448 |
| Cash and cash equivalents at end of year | 85,117 |
First Northwest Bancorp (FNWB)
First Northwest Bancorp (FNWB)