ISBA: the cashflow

MyFinsight

For the quarter ending 2025-09-30, ISBA had $52,747K increase in cash & cash equivalents over the period. $1,730K in free cash flow.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Cash Flow	2025-09-30	2025-06-30
Net income	5,240	8,980
Provision (reversal) for credit losses	209	-1,206
Depreciation	529	1,072
Net amortization of afs securities	-228	-543
Net gain on sale of mortgage loans	38	77
Increase in cash value of boli	458	667
Share-based payment awards	56	222
Origination of loans hfs	1,863	3,018
Proceeds from loan sales	1,219	3,282
Other assets	3,901	-1,899
Other liabilities	1,526	1,513
Net cash provided by (used in) operating activities	2,747	12,543
Proceeds from maturities, calls and prepayments of afs securities	4,540	47,819
Purchases of afs securities	11,148	51,000
Net change in loans hfi	35,061	-27,053
Purchases of premises and equipment	1,017	1,584
Purchases of boli policies	0	10,225
Proceeds from sale of fhlb stock	0	7,162
Low income housing tax credit investments	0	3,767
Net cash provided by (used in) investing activities	-42,686	15,458
Net increase (decrease) in deposits	76,226	102,316
Net increase (decrease) in short-term borrowings	18,814	-10,359
Net increase (decrease) in fhlb advances	0	-30,000
Cash dividends paid on common stock	2,017	4,055
Proceeds from issuance of common stock	272	759
Common stock repurchased	609	2,650
Common stock purchased for deferred compensation obligations	0	0
Net cash provided by (used in) financing activities	92,686	56,011
Increase (decrease) in cash and cash equivalents	52,747	84,012
Cash and cash equivalents at beginning of period	24,542	-
Cash and cash equivalents at end of period	161,301	-

Unit: Thousand (K) dollars