For the year ending 2025-09-30, FSFG had -$20,291K decrease in cash & cash equivalents over the period. $78,253K in free cash flow.
| Cash Flow | 2025-09-30 |
|---|---|
| Net income | 23,161 |
| Provision (credit) for credit losses - loans | -118 |
| Provision (credit) for unfunded commitments | 452 |
| Provision (credit) for credit losses - securities | -9 |
| Depreciation and amortization | 2,244 |
| Amortization of premiums and accretion of discounts on securities, net | -317 |
| Amortization and accretion of fair value adjustments on loans, net | 1,064 |
| Loans originated for sale, residential mortgage | 6,285 |
| Loans originated for sale, home equity lines of credit | 91,298 |
| Loans originated for sale, small business administration | 57,925 |
| Proceeds on sales of loans, residential mortgage | -5,791 |
| Proceeds on sales of loans, home equity lines of credit | 146,482 |
| Proceeds on sales of loans, small business administration | -73,331 |
| Net realized and unrealized gain on loans held for sale | 8,943 |
| Capitalization of loan servicing rights | 1,295 |
| Net change in value of sba and nonresidential mortgage loan servicing rights | 964 |
| Net realized and unrealized gain on other real estate owned | 248 |
| Increase in cash surrender value of life insurance | 1,503 |
| Gain on life insurance | 255 |
| Net gain on equity securities | 493 |
| Deferred income taxes | -375 |
| Stock compensation expense | 918 |
| Net gain on sale of premises and equipment | 45 |
| Increase in accrued interest payable | -8,338 |
| Change in other assets | 4,556 |
| Change in other liabilities | 8,222 |
| Net cash provided by operating activities | 79,132 |
| Proceeds from maturities of interest-bearing time deposits | 245 |
| Purchase of securities available for sale | 18,975 |
| Proceeds from sales of equity securities | 403 |
| Principal collected and proceeds from maturities of securities available for sale | 10,575 |
| Principal collected and proceeds from maturities of securities held to maturity | 262 |
| Proceeds from life insurance | 687 |
| Net increase in loans | 9,662 |
| Purchase of federal reserve bank and federal home loan bank stock | 499 |
| Purchase of bank owned life insurance | 14,454 |
| Proceeds from sale of other real estate owned | 451 |
| Purchase of premises and equipment | 879 |
| Proceeds from sales of premises and equipment | 69 |
| Investment in partnership interests | 6,051 |
| Net cash used in investing activities | -37,828 |
| Net increase (decrease) in deposits | -170,999 |
| Increase (decrease) in federal home loan bank line of credit | -6,640 |
| Proceeds from federal home loan bank advances | 2,495,000 |
| Repayment of federal home loan bank advances | 2,355,000 |
| Repurchase or repayment of subordinated debt | 20,000 |
| Net increase (decrease) in advance payments by borrowers for taxes and insurance | -119 |
| Proceeds from exercise of stock options | 629 |
| Proceeds from issuance of common stock from treasury | 62 |
| Purchase of treasury shares | 382 |
| Dividends paid on common stock | 4,384 |
| Net cash provided by (used in) financing activities | -61,595 |
| Net increase (decrease) in cash and cash equivalents | -20,291 |
| Cash and cash equivalents at beginning of period | 52,142 |
| Cash and cash equivalents at end of period | 31,851 |
First Savings Financial Group, Inc. (FSFG)
First Savings Financial Group, Inc. (FSFG)