| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 9,945 | 5,525 |
| Provision for credit losses | 618 | 312 |
| Depreciation of premises and equipment | 789 | 509 |
| Amortization of premiums and accretion of discounts on securities, net | -741 | -525 |
| Amortization of core deposit intangible | 284 | 192 |
| Accretion of fair value of acquired loans | -1,324 | -615 |
| Amortization of fair value of acquired time deposits and leases | -115 | -92 |
| Origination of mortgage loans held for sale | 11,001 | 5,270 |
| Proceeds from sale of mortgage loans held for sale | 11,256 | 4,896 |
| Gain on sale of mortgage loans held for sale | 171 | 79 |
| Increase in cash value of bank-owned life insurance | 893 | 589 |
| Gain on disposal of premises and equipment, net | 2 | - |
| Equity based compensation expense | 143 | 94 |
| Accrued interest receivable | 208 | -56 |
| Other assets | -76 | 352 |
| Accrued interest payable | 154 | 60 |
| Other liabilities | 226 | -723 |
| Net cash provided by operating activities | 10,748 | 4,633 |
| Proceeds from repayments of mortgage-backed securities | 11,274 | 6,722 |
| Proceeds from calls, sales and maturities of securities available for sale | 31,000 | 19,000 |
| Purchases of available for sale securities | 49,616 | - |
| Net change in restricted stock | 1,900 | 0 |
| Purchase of loan participations | 20,095 | 17,027 |
| Collection of loan participations | 6,243 | 2,060 |
| Loan originations and principal collections, net | 13,682 | 7,418 |
| Recoveries on loans charged off | 142 | 91 |
| Purchases of premises and equipment | 2,306 | 1,506 |
| Proceeds from sale of premises and equipment | 2 | - |
| Cash acquired in the acquisition, net of cash paid | 0 | 0 |
| Net cash used in investing activities | -38,938 | 1,922 |
| Net change in time deposits | -31,792 | -18,345 |
| Net change in other deposits | -51,185 | 1,167 |
| Cash dividends paid | 4,645 | 4,645 |
| Net change in borrowings | 50,000 | - |
| Net cash used in financing activities | -37,622 | -21,823 |
| Net change in cash and cash equivalents | -65,812 | -15,268 |
| Cash and cash equivalents at beginning of period | 108,117 | - |
| Cash and cash equivalents at end of period | 42,305 | - |
NATIONAL BANKSHARES INC (NKSH)
NATIONAL BANKSHARES INC (NKSH)