For the quarter ending 2026-03-31, FUSB had -$6,961K decrease in cash & cash equivalents over the period. $3,629K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Interest income | - | 15,262 | - | - |
| Non-interest income | - | 995 | - | - |
| Total interest income | - | 16,257 | - | - |
| Interest expense | - | 5,839 | - | - |
| Provision for credit losses | - | 220 | - | - |
| Salaries and employee benefits | - | 3,833 | - | - |
| Net occupancy and equipment | - | 997 | - | - |
| Computer services | - | 443 | - | - |
| Insurance expense and assessments | - | 311 | - | - |
| Fees for professional services | - | 301 | - | - |
| Postage, stationery and supplies | - | 160 | - | - |
| Telephone/data communication | - | 219 | - | - |
| Collection and recoveries | - | 58 | - | - |
| Directors fees | - | 107 | - | - |
| Software amortization | - | 124 | - | - |
| Other real estate/foreclosure expense, net | - | 72 | - | - |
| Outside services | - | 405 | - | - |
| Other segment items | - | 241 | - | - |
| Provision for income taxes | - | 798 | - | - |
| Net income | 1,945 | 2,129 | 1,936 | 1,927 |
| Depreciation and amortization | 457 | 434 | 423 | 838 |
| Provision for credit losses | 254 | 220 | 566 | 3,245 |
| Net accretion of securities | - | - | 182 | 312 |
| Deferred income tax expense | 336 | -101 | 32 | 119 |
| Reclassification of unrealized gains on terminated derivative contracts | 48 | 48 | 49 | 97 |
| Stock-based compensation expense | 189 | 178 | 185 | 381 |
| Net accretion of securities | -271 | -750 | - | - |
| Amortization of intangible assets | 0 | 0 | 12 | 37 |
| Net loss (gain) on premises and equipment and other real estate | -50 | -52 | -128 | -14 |
| Increase in cash surrender value of bank owned life insurance | 88 | 89 | 91 | 142 |
| Increase in accrued interest receivable | 47 | -10 | 59 | 279 |
| Decrease (increase) in other assets | -677 | 761 | -416 | -268 |
| Increase (decrease) in accrued interest expense | 254 | 138 | 407 | 230 |
| Increase (decrease) in other liabilities | 395 | 539 | 501 | -574 |
| Net cash provided by operating activities | 4,103 | 2,445 | 4,225 | 5,655 |
| Net decrease in federal funds sold and securities purchased under reverse repurchase agreements | - | 877 | - | - |
| Net (increase) decrease in federal funds sold and securities purchased under reverse repurchase agreements | -14,877 | - | 0 | 877 |
| Purchases of investment securities, available-for-sale | 20,468 | 9,671 | 24,309 | 9,645 |
| Proceeds from maturities and prepayments of investment securities, available-for-sale | 6,616 | 6,811 | 18,134 | 24,991 |
| Proceeds from maturities and prepayments of investment securities, held-to-maturity | 29 | 59 | 36 | 121 |
| Net increase in federal home loan bank stock | 38 | -475 | -475 | 485 |
| Net decrease (increase) in loans and leases held for investment | -8,810 | -14,015 | -2,317 | 51,052 |
| Proceeds from the sale of premises and equipment and other real estate | - | 1,969 | - | - |
| Proceeds from the sale of premises and equipment, other real estate and repossessions | -677 | - | 288 | 628 |
| Purchases of premises and equipment | 474 | 296 | 624 | 2,321 |
| Net cash used in investing activities | -19,286 | 12,446 | -3,683 | -36,886 |
| Net increase (decrease) in deposits | 10,887 | 25,490 | 15,626 | 14,289 |
| Net increase in short-term borrowings | 0 | -20,000 | -15,000 | 25,000 |
| Net share-based compensation transactions | -69 | 102 | -29 | 20 |
| Repurchases of common stock | 2,201 | 1,226 | 0 | 535 |
| Dividends paid | 395 | 400 | 404 | 804 |
| Net cash provided by financing activities | 8,222 | 3,966 | 193 | 37,970 |
| Net (decrease) increase in cash and cash equivalents | -6,961 | 18,857 | 735 | 6,739 |
| Cash and cash equivalents, beginning of period | 73,547 | 54,690 | 47,216 | - |
| Cash and cash equivalents, end of period | 66,586 | 73,547 | 54,690 | - |
FIRST US BANCSHARES, INC. (FUSB)
FIRST US BANCSHARES, INC. (FUSB)