FSFG: the cash flow

Cash Flow Overview

Change in Cash

-$20,291K

Free Cash flow

$78,253K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

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

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

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

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

Time Plot

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