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Cash Flow Overview

Free Cash flow
$4,501K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from borrowed funds
    • Change in deposits
    • Sale of loans originated for sal...
    • Others
Negative Cash Flow Breakdown
    • Net change in loans receivable
    • Repayment of borrowed funds
    • Change in federal funds purchase...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
2,093
2,242
1,984
3,497
Origination of loans for sale
5,831
9,407
11,599
11,135
Sale of loans originated for sale
4,942
10,779
13,487
9,610
Depreciation and amortization, net of accretion
1,028
1,325
1,507
1,453
Deferred tax expense (benefit)
-
-
-556
-
Stock based compensation expense
148
126
102
116
Cash payments for lease liabilities
410
404
402
401
(gain) loss on sale of securities, net
-
-
-1,577
0
(gain) loss on tax credit investment
-
-
90
-
(gain) loss on sale of loans held-for-sale, net
194
276
346
282
(gain) loss on sale of real estate
-
-
-
-56
(gain) loss on sale of property and equipment
-180
-
-55
-
(gain) loss on sale of foreclosed real estate
1
-
0
0
(increase) decrease of cash value of bank owned life insurance
223
201
207
628
(gain) loss on death benefits of bank-owned life insurance
-
-
308
236
(gain) loss on derivatives
34
-19
0
-17
Provision for (benefit from) credit losses
264
55
-84
-301
Interest receivable
-29
-81
196
-66
Interest payable
383
13
205
-508
Other assets
-516
-1,145
-870
-419
Accrued expenses and other liabilities
1,845
-1,862
1,798
-961
Total adjustments
2,642
1,393
5,757
-2,297
Net cash provided by (used in) operating activities
4,735
3,635
7,741
1,200
Proceeds from maturities and pay downs of securities available-for-sale
2,662
2,886
2,497
3,247
Proceeds from sales of securities available-for-sale
-
-
24,519
0
Purchase of loans
0
10,312
-
-
Net change in loans receivable
48,790
-5,402
-22,948
-10,113
Purchase of premises and equipment
234
135
240
152
Proceeds from sale of premises and equipment
-
-
152
667
Proceeds from sale of foreclosed real estate
90
0
0
-72
Proceeds from death benefits of bank owned life insurance
-
-
772
535
Net cash provided by (used in) investing activities
-46,272
-2,159
50,648
14,338
Change in deposits
13,473
-7,900
-23,675
-4,204
Proceeds from borrowed funds
40,000
15,000
10,000
-10,000
Repayment of borrowed funds
25,000
10,000
20,000
0
Net surrender value of restricted stock awards
15
60
4
146
Change in repurchase agreements
-
-
-
95
Change in federal funds purchased and repurchase agreements
-10,514
1,112
-413
-
Dividends paid
520
520
518
519
Net cash provided by (used in) financing activities
17,424
-2,368
-42,920
-14,774
Net change in cash and cash equivalents
-24,113
-892
15,469
764
Cash and cash equivalents at beginning of period
118,755
119,647
104,178
70,584
Cash and cash equivalents at end of period
94,642
118,755
119,647
104,178
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

Sale of loansoriginated for sale$4,942K (-74.23%↓ Y/Y)Accrued expenses andother liabilities$1,845K (127.67%↑ Y/Y)Depreciation andamortization, net of accretion$1,028K (-68.18%↓ Y/Y)Other assets-$516K (75.84%↑ Y/Y)Interest payable$383K (1226.47%↑ Y/Y)Provision for (benefitfrom) credit losses$264K (46.67%↑ Y/Y)(gain) loss on sale ofproperty and equipment-$180K Stock basedcompensation expense$148K (-35.37%↓ Y/Y)Interest receivable-$29K (58.57%↑ Y/Y)Proceeds from borrowedfunds$40,000K (0.00%↑ Y/Y)Total adjustments$2,642K (260.51%↑ Y/Y)Net income$2,093K (-19.69%↓ Y/Y)Change in deposits$13,473K (335.71%↑ Y/Y)Canceled cashflow$6,693K Net cash provided by(used in) financing...$17,424K (780.44%↑ Y/Y)Net cash provided by(used in) operating...$4,735K (393.23%↑ Y/Y)Canceled cashflow$36,049K Origination of loans for sale$5,831K (-67.86%↓ Y/Y)Cash payments forlease liabilities$410K (-48.75%↓ Y/Y)(increase) decrease of cashvalue of bank owned...$223K (gain) loss on sale ofloans held-for-sale,...$194K (-68.91%↓ Y/Y)(gain) loss onderivatives$34K (312.50%↑ Y/Y)(gain) loss on sale offoreclosed real estate$1K Net change in cashand cash...-$24,113K (-173.45%↓ Y/Y)Canceled cashflow$22,159K Proceeds from maturitiesand pay downs of...$2,662K (-53.19%↓ Y/Y)Proceeds from sale offoreclosed real estate$90K (25.00%↑ Y/Y)Repayment of borrowedfunds$25,000K (-37.50%↓ Y/Y)Change in federal fundspurchased and repurchase...-$10,514K Dividends paid$520K (0.00%↑ Y/Y)Net surrender valueof restricted...$15K Net cash provided by(used in) investing...-$46,272K (-254.80%↓ Y/Y)Canceled cashflow$2,752K Net change in loansreceivable$48,790K (298.39%↑ Y/Y)Purchase of premises andequipment$234K (-49.24%↓ Y/Y)

Finward Bancorp (FNWD)

Finward Bancorp (FNWD)