For the quarter ending 2026-03-31, LARK had $10,884K increase in cash & cash equivalents over the period. $6,706K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Valuation allowance on real estate held for sale | - | - | - | 0 |
| Net earnings | 5,066 | 4,740 | 4,930 | 9,105 |
| Provision for credit losses | 570 | 500 | 850 | 1,000 |
| Valuation allowance on assets held for sale | - | 356 | - | - |
| Amortization of investment security discounts, net | 175 | 73 | 37 | 85 |
| Accretion of purchase accounting adjustments | 149 | 158 | 256 | 380 |
| Amortization of mortgage servicing rights and other intangibles | 228 | 224 | 247 | 477 |
| Depreciation | 326 | 325 | 317 | 638 |
| Increase in cash surrender value of bank-owned life insurance | 373 | 286 | 283 | 550 |
| Stock-based compensation | 78 | 80 | 64 | 215 |
| Deferred income taxes | -162 | 837 | -39 | -934 |
| Net losses on investment securities | - | -101 | 0 | -2 |
| Net gains on sales of premises and equipment and foreclosed assets | 32 | 17 | 64 | 0 |
| Net gains on sales of loans | 885 | 925 | 948 | 1,302 |
| Proceeds from sales of loans | 28,956 | 29,025 | 31,018 | 44,395 |
| Origination of loans held for sale | 26,261 | 29,823 | 29,008 | 44,641 |
| Accrued interest and other assets | 7,370 | 3,184 | -1,228 | -1,171 |
| Accrued expenses, taxes, and other liabilities | 7,008 | 1,144 | 2,292 | -654 |
| Net cash provided by operating activities | 6,825 | 2,866 | 10,311 | 8,457 |
| Net decrease (increase) in loans | -12,692 | -6,227 | 3,208 | 64,864 |
| Proceeds from sale of available-for-sale securities | - | 24,836 | 0 | 3,394 |
| Net change in interest-bearing deposits at banks | 248 | 1,784 | -245 | -647 |
| Maturities and prepayments of investment securities | 17,296 | 10,637 | 15,443 | 36,293 |
| Purchases of investment securities | 14,835 | 31,912 | 8,278 | 12,584 |
| Redemption of bank stocks | 2,878 | 4,211 | 4,403 | 7,580 |
| Proceeds from bank owned life insurance | - | - | - | -1,093 |
| Purchase of bank stocks | 4,245 | 1,946 | 1,478 | 11,908 |
| Proceeds from sales of premises and equipment and foreclosed assets | - | 406 | - | - |
| Proceeds from bank owned life insurance | - | 0 | 1,093 | - |
| Proceeds from sales of premises and equipment and foreclosed assets | -38 | - | 370 | 0 |
| Purchases of premises and equipment, net | 119 | 220 | 251 | 134 |
| Purchase of treasury stock | - | - | - | 0 |
| Net cash provided by (used in) investing activities | 14,247 | 11,869 | 7,246 | -40,483 |
| Proceeds from other borrowings | - | - | - | 0 |
| Net (decrease) increase in deposits | -66,170 | 63,354 | 51,599 | -54,865 |
| Federal home loan bank advance borrowings | 185,422 | 142,928 | 175,111 | 521,784 |
| Federal home loan bank advance repayments | 128,594 | 221,310 | 239,405 | 419,054 |
| Repayments on other borrowings | 333 | 1,534 | 333 | 666 |
| Change in repurchase agreements | -762 | -81 | 4,405 | 7,983 |
| Payment of dividends | 1,275 | 1,219 | 1,215 | 2,427 |
| Net cash used in financing activities | -10,188 | -17,700 | -18,648 | 36,789 |
| Net increase in cash and cash equivalents | 10,884 | -2,965 | -1,091 | 4,763 |
| Cash and cash equivalents at beginning of period | 20,982 | 23,947 | 20,275 | - |
| Cash and cash equivalents at end of period | 31,866 | 20,982 | 23,947 | - |
LANDMARK BANCORP INC (LARK)
LANDMARK BANCORP INC (LARK)