For the quarter ending 2025-09-30, MBCN had $30,859K increase in cash & cash equivalents over the period. $3,389K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 5,320 | 10,987 |
| Provision for (recovery of) credit losses | 392 | -411 |
| Loss on premises and equipment held for sale | -18 | -693 |
| Gain on exchange of real estate | 0 | -1,229 |
| Loss (gain) on equity securities | 17 | -41 |
| Software amortization expense | 94 | 185 |
| Amortization of premium and discount on investment securities, net | -138 | -278 |
| Amortization of core deposit intangibles | 250 | 499 |
| Depreciation, amortization and accretion, net | -210 | -273 |
| Stock-based compensation, net | 1,425 | 695 |
| Origination of loans held for sale | -5,754 | -1,312 |
| Proceeds from sale of loans held for sale | 5,855 | 1,223 |
| Loss (gain) on sale of loans held for sale | 158 | 63 |
| Earnings on bank-owned life insurance | 228 | 723 |
| Deferred income tax | 946 | -315 |
| Decrease (increase) in accrued interest receivable | 274 | 4 |
| Increase (decrease) in accrued interest payable | 91 | 618 |
| Other, net | 3,060 | -1,957 |
| Net cash provided by (used in) operating activities | 4,828 | 12,846 |
| Proceeds from repayments and maturities | 10,265 | 783 |
| Purchases | 0 | 0 |
| Decrease (increase) in loans, net | 19,196 | 60,301 |
| Purchase of loans | 5,272 | 831 |
| Proceeds from bank-owned life insurance | 0 | 892 |
| Purchase of premises and equipment | 1,439 | 897 |
| Purchase of restricted stock | 3,300 | 1,637 |
| Redemption of restricted stock | 1,142 | 5,371 |
| Net cash provided by (used in) investing activities | -17,900 | -56,820 |
| Net increase (decrease) in deposits | 28,684 | 147,925 |
| Net increase (decrease) in federal home loan bank advances | 17,000 | -83,400 |
| Repayment of other borrowings | 55 | 103 |
| Repurchase of common shares | 0 | 0 |
| Cash dividends | 1,698 | 3,394 |
| Net cash provided by (used in) financing activities | 43,931 | 61,028 |
| Increase (decrease) in cash and cash equivalents | 30,859 | 17,054 |
| Cash and cash equivalents at beginning of period | 55,792 | - |
| Cash and cash equivalents at end of period | 103,705 | - |
MIDDLEFIELD BANC CORP (MBCN)
MIDDLEFIELD BANC CORP (MBCN)