For the year ending 2025-12-31, FUSB had $26,331K increase in cash & cash equivalents over the period. $9,084K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Interest income | 59,415 |
| Non-interest income | 3,579 |
| Total interest income | 62,994 |
| Interest expense | 21,957 |
| Provision for credit losses | 4,031 |
| Salaries and employee benefits | 15,273 |
| Net occupancy and equipment | 3,796 |
| Computer services | 1,707 |
| Insurance expense and assessments | 1,409 |
| Fees for professional services | 1,349 |
| Postage, stationery and supplies | 581 |
| Telephone/data communication | 795 |
| Collection and recoveries | 293 |
| Directors fees | 404 |
| Software amortization | 454 |
| Other real estate/foreclosure expense, net | 269 |
| Outside services | 405 |
| Other segment items | 2,335 |
| Provision for income taxes | 1,944 |
| Net income | 5,992 |
| Depreciation and amortization | 1,695 |
| Provision for credit losses | 4,031 |
| Deferred income tax expense | 50 |
| Reclassification of unrealized gains on terminated derivative contracts | 194 |
| Stock-based compensation expense | 744 |
| Net accretion of securities | -750 |
| Amortization of intangible assets | 49 |
| Net loss on premises and equipment and other real estate | -194 |
| Increase in cash surrender value of bank owned life insurance | 322 |
| (increase) decrease in accrued interest receivable | 328 |
| Increase in other assets | 77 |
| Increase (decrease) in accrued interest expense | 775 |
| Increase (decrease) in other liabilities | 466 |
| Net cash provided by operating activities | 12,325 |
| Net decrease in federal funds sold and securities purchased under reverse repurchase agreements | 877 |
| Purchases of investment securities, available-for-sale | 43,625 |
| Proceeds from maturities and prepayments of investment securities, available-for-sale | 49,936 |
| Proceeds from maturities and prepayments of investment securities, held-to-maturity | 216 |
| Net decrease (increase) in federal home loan bank stock | -465 |
| Net increase in loans | 34,720 |
| Proceeds from the sale of premises and equipment and other real estate | 1,969 |
| Purchases of premises and equipment | 3,241 |
| Net cash used in investing activities | -28,123 |
| Net increase in customer deposits | 55,405 |
| Net decrease in short-term borrowings | -10,000 |
| Net share-based compensation transactions | 93 |
| Repurchases of common stock | 1,761 |
| Dividends paid | 1,608 |
| Net cash provided by financing activities | 42,129 |
| Net increase (decrease) in cash and cash equivalents | 26,331 |
| Cash and cash equivalents, beginning of period | 47,216 |
| Cash and cash equivalents, end of period | 73,547 |
FIRST US BANCSHARES, INC. (FUSB)
FIRST US BANCSHARES, INC. (FUSB)