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Cash Flow
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Cash Flow Overview
Change in Cash
$8,271K
Free Cash flow
$3,298K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from the sale of common...
Numerator- net income
Decrease (increase) in other ass...
Others
Negative Cash Flow Breakdown
Net increase (decrease) in depos...
Net (decrease) in advances from ...
Cash dividends paid
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2025-09-30
2025-06-30
Numerator- net income
2,360
2,975
Net amortization of investment securities
-16
-36
Net amortization of deferred loan costs
-112
-163
Credit to provision for credit losses
-269
48
Recovery on previously impaired investment securities
2
2
Unrealized gain on equity securities
79
111
Loss on disposal of premises and equipment
0
-2
Depreciation and amortization of premises and equipment
150
312
Earnings on bank-owned life insurance
469
438
Deferred income tax (benefit) expense
-49
-105
Esop shares committed to be released
94
62
Stock based compensation expense
67
164
(increase) in accrued interest receivable
125
59
Decrease (increase) in other assets
-1,169
850
Loss on sale of foreclosed real estate
0
0
Increase (decrease) in other liabilities
387
359
Increase in annuity asset
23
46
Net cash provided by (used in) operating activities
3,339
2,510
Activity in debt securities maturities, prepayments and calls
787
1,537
Redemptions of federal home loan bank of new york stock
0
394
Loan principal collections and origination, net
102
7,971
Proceeds from claims on and surrender of bank-owned life insurance
512
651
Proceeds from sale of foreclosed real estate
0
0
Additions to premises and equipment
41
536
Net cash (used in) provided by investing activities
1,156
-5,925
Proceeds from the sale of common stock, net of offering costs and esop purchase
43,241
-
Net increase (decrease) in deposits
-37,154
54,521
Net (decrease) in advances from borrowers for taxes and insurance
-1,627
-159
Repayment of long-term debt
0
8,250
Repayment of finance lease obligation
26
49
Shares of common stock repurchased on vesting for payroll taxes
0
51
Cash dividends paid
658
361
Net cash (used in) provided by financing activities
3,776
45,651
Net increase in cash and cash equivalents
8,271
42,236
Cash and cash equivalents at beginning of period
33,131
-
Cash and cash equivalents at end of period
83,638
-
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Proceeds from the sale of
common stock, net of...
$43,241K
Numerator- net income
$2,360K
Decrease (increase) in
other assets
-$1,169K
Activity in debt
securities maturities,...
$787K
Proceeds from claims on
and surrender of...
$512K
Increase (decrease) in
other liabilities
$387K
Depreciation and
amortization of premises and...
$150K
Net amortization of
deferred loan costs
-$112K
Esop shares
committed to be released
$94K
Stock based
compensation expense
$67K
Net amortization of
investment securities
-$16K
Net cash (used in)
provided by financing...
$3,776K
Net cash provided by
(used in) operating...
$3,339K
Net cash (used in)
provided by investing...
$1,156K
Canceled cashflow
$39,465K
Canceled cashflow
$1,016K
Canceled cashflow
$143K
Net increase in cash
and cash...
$8,271K
Net increase
(decrease) in deposits
-$37,154K
Net (decrease) in
advances from borrowers...
-$1,627K
Cash dividends paid
$658K
Repayment of finance lease
obligation
$26K
Earnings on bank-owned
life insurance
$469K
Credit to provision for
credit losses
-$269K
(increase) in accrued
interest receivable
$125K
Unrealized gain on equity
securities
$79K
Deferred income tax
(benefit) expense
-$49K
Increase in annuity asset
$23K
Recovery on previously
impaired investment...
$2K
Loan principal
collections and...
$102K
Additions to premises and
equipment
$41K
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Lake Shore Bancorp, Inc. MD (LSBK)
Lake Shore Bancorp, Inc. MD (LSBK)