For the quarter ending 2025-09-30, FNWB had -$8,574K decrease in cash & cash equivalents over the period.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net (loss) income | 802 | -5,375 |
| Depreciation and amortization | 298 | 653 |
| Amortization of core deposit intangible | 1 | 1 |
| Amortization and accretion of premiums and discounts on investments, net | -13 | -74 |
| Accretion of deferred loan fees and purchased premiums, net | 582 | 745 |
| Amortization of debt issuance costs | 17 | 37 |
| Change in fair value of sold loan servicing rights | 123 | 78 |
| Additions to servicing rights on sold loans, net | 4 | -17 |
| Provision for credit losses on loans | -620 | 7,474 |
| Recapture of provision for credit losses on unfunded commitments | -53 | -49 |
| Allocation of esop shares | 97 | 262 |
| Share-based compensation expense | 131 | 405 |
| Gain on sale of loans, net | -39 | 55 |
| Loss on sale of securities available for sale, net | 0 | 0 |
| Gain on extinguishment of subordinated debt | 0 | 848 |
| Increase in boli cash surrender value, net | 539 | 857 |
| Income from boli death benefit, net | 0 | 1,059 |
| Origination of loans held for sale | 5,548 | 11,963 |
| Proceeds from sale of loans held for sale | 4,912 | 12,333 |
| Increase in accrued interest receivable | -145 | 146 |
| Decrease (increase) in rou asset | -278 | -1,229 |
| Increase in prepaid expenses and other assets | -9,175 | 10,609 |
| Decrease in accrued interest payable | -369 | -1,781 |
| (decrease) increase in lease liabilities | -186 | -1,278 |
| Decrease in accrued expenses and other liabilities | -3,417 | -5,535 |
| Net cash (used) provided by operating activities | 4,721 | -17,771 |
| Purchase of securities available for sale | 0 | 5,534 |
| Proceeds from maturities, calls, and principal repayments of securities available for sale | 25,647 | 45,518 |
| Proceeds from sales of securities available for sale | 0 | 0 |
| Redemption (purchase) of fhlb stock | -4,050 | 471 |
| Capital disbursements received from equity and partnership investments | - | 350 |
| Early surrender of boli policies | -6 | 9,381 |
| Purchase of boli policies | 0 | 9,109 |
| Sale of premises and equipment, net of amortization | - | -477 |
| Proceeds from boli death benefit | 1,440 | 528 |
| Net decrease (increase) in loans receivable | -40,514 | -18,543 |
| Proceeds from the sale of premises and equipment | 390 | - |
| Capital contributions to equity and partnership investments | 265 | 455 |
| Redemption of partnership investment | 572 | 0 |
| Capital contributions to low-income housing tax credit partnerships | 0 | 0 |
| Net cash provided (used) by investing activities | 71,515 | 59,228 |
| Net (decrease) increase in deposits | -1,309 | -33,390 |
| Proceeds from long-term fhlb advances | 0 | 30,000 |
| Repayment of long-term fhlb advances | 0 | 20,000 |
| Net decrease in short-term fhlb advances | 90,000 | 0 |
| Redemption of subordinated debt, net | 0 | 4,095 |
| Net increase (decrease) in line of credit | 5,500 | 3,000 |
| Net increase in advances from borrowers for taxes and insurance | 1,031 | -159 |
| Payment of dividends | 18 | 1,299 |
| Restricted stock awards canceled | 14 | 99 |
| Repurchase of common stock | 0 | 0 |
| Net cash (used) provided by financing activities | -84,810 | -26,042 |
| Net increase (decrease) in cash and cash equivalents | -8,574 | 15,415 |
| Cash and cash equivalents at beginning of period | 72,448 | - |
| Cash and cash equivalents at end of period | 79,289 | - |
First Northwest Bancorp (FNWB)
First Northwest Bancorp (FNWB)