FXNC: the cash flow

Cash Flow Overview

Change in Cash

-$4,998K

Free Cash flow

$6,834K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-09-30

2025-06-30

Net income

5,550

6,649

Depreciation and amortization of premises and equipment

706

1,340

Core deposit intangible amortization expense

442

883

Amortization of debt issuance costs

Amortization of subordinated debt fair value mark

471

Gain on redemption of subordinated debt

Origination of mortgage loans held for sale

1,067

2,495

Proceeds from sale of mortgage loans held for sale

1,482

2,489

Provision for credit losses on loans

200

1,635

(recovery of) credit losses on securities held to maturity

-15

Provision for (recovery of) credit losses on unfunded commitments

105

Net (gain) on sale of other real estate owned

Increase in cash value of bank owned life insurance

284

477

Accretion of discounts and amortization of premiums on securities, net

137

430

Accretion of premium on time deposits

-67

-606

Accretion of certain acquisition-related loan premiums (discounts), net

736

Stock-based compensation

586

445

Excess tax benefits on stock-based compensation

-21

Net (gains) losses on disposal of premises and equipment

-7

Bargain purchase gain

304

Deferred income tax (benefit)

484

(increase) in interest receivable

123

Decrease (increase) in other assets

-1,516

1,400

(decrease) increase in accrued interest payable and other liabilities

-852

-306

Net cash provided by operating activities

8,437

8,228

Proceeds from maturities, calls, and principal payments of securities available for sale

10,587

9,185

Proceeds from maturities, calls, and principal payments of securities held to maturity

2,057

3,746

Purchases of securities available for sale

16,110

30,166

Purchases of restricted securities

-1,188

1,929

Net redemption of restricted securities

Purchase of premises and equipment

1,603

1,071

Proceeds from sale of premises and equipment

1,343

Proceeds from sale of other real estate owned

Purchase of bank owned life insurance

Proceeds from cash value of bank owned life insurance

Net decrease (increase) in loans

-8,967

-21,460

Net cash provided by investing activities

6,428

1,332

Net (decrease) increase in demand deposits and savings accounts

861

-2,017

Net increase in time deposits

5,623

2,011

Redemption of subordinated debt

420

Net increase in other borrowings

25,000

Cash dividends paid on common stock, net of reinvestment

1,347

2,693

Repurchase of common stock-First National Corporation2014Stock Incentive Plan

Net cash provided by financing activities

-19,863

21,881

Increase in cash and cash equivalents

-4,998

31,441

Cash and cash equivalents at beginning of period

162,874

Cash and cash equivalents at end of period

189,317

Time Plot

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