For the quarter ending 2025-09-30, LARK had -$1,091K decrease in cash & cash equivalents over the period. $10,060K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Valuation allowance on real estate held for sale | - | 0 |
| Net earnings | 4,930 | 9,105 |
| Provision for credit losses | 850 | 1,000 |
| Amortization of investment security (discount) premiums, net | 37 | 85 |
| Accretion of purchase accounting adjustments | 256 | 380 |
| Amortization of mortgage servicing rights and other intangibles | 247 | 477 |
| Depreciation | 317 | 638 |
| Increase in cash surrender value of bank owned life insurance | 283 | 550 |
| Stock-based compensation | 64 | 215 |
| Deferred income taxes | -39 | -934 |
| Net losses on sales of investment securities | 0 | -2 |
| Net (gain) loss on sales of premises and equipment and foreclosed assets | 64 | 0 |
| Net gains on sales of loans | 948 | 1,302 |
| Proceeds from sales of loans | 31,018 | 44,395 |
| Origination of loans held for sale | 29,008 | 44,641 |
| Accrued interest and other assets | -1,228 | -1,171 |
| Accrued expenses, taxes, and other liabilities | 2,292 | -654 |
| Net cash provided by operating activities | 10,311 | 8,457 |
| Net increase in loans | 3,208 | 64,864 |
| Net change in interest-bearing deposits at banks | -245 | -647 |
| Maturities and prepayments of investment securities | 15,443 | 36,293 |
| Purchases of investment securities | 8,278 | 12,584 |
| Proceeds from sales of available-for-sale investment securities | 0 | 3,394 |
| Redemption of bank stocks | 4,403 | 7,580 |
| Proceeds from bank owned life insurance | - | -1,093 |
| Purchase of bank stocks | 1,478 | 11,908 |
| Proceeds from bank owned life insurance | 1,093 | - |
| Proceeds from sales of premises and equipment and foreclosed assets | 370 | 0 |
| Purchases of premises and equipment, net | 251 | 134 |
| Purchase of treasury stock | - | 0 |
| Net cash used in investing activities | 7,246 | -40,483 |
| Proceeds from other borrowings | - | 0 |
| Net decrease in deposits | 51,599 | -54,865 |
| Federal home loan bank advance borrowings | 175,111 | 521,784 |
| Federal home loan bank advance repayments | 239,405 | 419,054 |
| Repayments on other borrowings | 333 | 666 |
| Change in repurchase agreements | 4,405 | 7,983 |
| Payment of dividends | 1,215 | 2,427 |
| Net cash provided by (used in) financing activities | -18,648 | 36,789 |
| Net increase (decrease) in cash and cash equivalents | -1,091 | 4,763 |
| Cash and cash equivalents at beginning of period | 20,275 | - |
| Cash and cash equivalents at end of period | 23,947 | - |
LANDMARK BANCORP INC (LARK)
LANDMARK BANCORP INC (LARK)