| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 9,874 | 6,688 |
| Net amortization of investment securities | -21 | -28 |
| Stock dividends received on correspondent bank stock | 437 | 283 |
| Provision for credit losses | 4,110 | 1,853 |
| Net gain on loans held for sale | 222 | 222 |
| Net gain on mortgage loans | 3,648 | 2,254 |
| Origination of mortgage loans held for sale | 247,998 | 162,424 |
| Proceeds from mortgage loans | 254,781 | 166,042 |
| Depreciation and amortization | 2,010 | 1,365 |
| Net amortization of purchase accounting adjustments | 412 | 222 |
| Deferred income tax expense | 174 | 253 |
| Purchase of solar tax credits | 945 | 945 |
| Gain (loss) due to increase (decrease) in cash surrender value of company-owned life | 338 | 222 |
| Stock-based compensation | 1,620 | 930 |
| Net gain on other real estate owned | 459 | 459 |
| Unrealized gain recognized on equity securities | 20 | 14 |
| Proceeds (payments) from change in fair value of loans accounted for under the fair value option | -50 | -32 |
| Change in accounts receivable | 55 | -103 |
| Change in accrued interest receivable and other assets | 1,417 | -1,281 |
| Change in accrued interest payable and other liabilities | 8,418 | 12,926 |
| Net cash provided by (used in) operating activities, total | 8,953 | -1,072 |
| Maturities, prepayments, and calls | 553 | - |
| Purchases | 49,947 | - |
| Maturities, prepayments, and calls | 6,669 | 4,006 |
| Purchases | 28,946 | 27,946 |
| Purchases of correspondent bank stock | -5,259 | -5,247 |
| Redemption of correspondent bank stock | 5,079 | 140 |
| Contributions to low-income housing tax credit investments | 1,442 | 959 |
| Loan and note receivable originations and principal collections, net | 161,717 | 112,888 |
| Purchases of premises and equipment | 2,685 | 1,616 |
| Proceeds from sale, loan and lease, held-for-investment | 0 | 0 |
| Purchases of loans | 4,600 | 2,329 |
| Proceeds from sale of other real estate owned | 31,999 | 32,003 |
| Net cash (used in) provided by investing activities | -210,296 | -114,836 |
| Net change in deposits | 334,702 | 14,920 |
| Payments to federal home loan bank borrowings | 179,734 | 67,603 |
| Proceeds from federal home loan bank borrowings | 174,734 | 174,734 |
| Payments to federal reserve borrowings | 1,171 | 753 |
| Proceeds from federal reserve borrowings | 0 | 0 |
| Payments to subordinated note holders | 8,000 | 8,000 |
| Repurchase of common stock | 784 | 483 |
| Cash paid for withholding taxes on share-based awards | 706 | 634 |
| Net cash provided by (used in) financing activities | 319,041 | 112,181 |
| Net change in cash and cash equivalents | 117,698 | -3,727 |
| Cash and cash equivalents at beginning of period | 237,941 | - |
| Cash and cash equivalents at end of period | 355,639 | - |
First Western Financial Inc (MYFW)
First Western Financial Inc (MYFW)