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Income Statement
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Cash Flow
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Balance Sheet
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Cash Flow Overview
Change in Cash
$50,742K
Free Cash flow
$3,701K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from sales of loans hel...
Advances of fhlb borrowings
Net change in deposits
Others
Negative Cash Flow Breakdown
Origination of mortgage loans he...
Repayment of fhlb borrowings
Net change in other borrowings
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Net income
21,747
-37,612
59,766
-
Depreciation
586
-1,297
615
1,276
Provision (benefit) for credit loss and unfunded commitments-Financing Receivables Excluding Unfunded Loan Commitments
264
-3,254
853
1,932
Provision (benefit) for credit loss and unfunded commitments-Unfunded Loan Commitment
-54
103
-24
-55
Amortization of intangible asset
147
-293
146
293
Amortization of debt issuance costs
83
-190
22
248
Net gain on sale of loans
17,045
-42,345
58,892
-
Proceeds from sales of loans held for sale
591,157
-973,885
648,715
964,924
Origination of mortgage loans held for sale
590,549
-958,884
564,662
1,010,426
Net (gain) loss on sale of other real estate
49
-170
282
-112
Net loss on disposal of premises and equipment
-
-
0
-
Net gain on sale of mortgage servicing rights
77
-
0
0
Net gain on sale of available for sale debt securities
-
-
0
0
Write-down of other real estate
160
171
-
-
Net gain on extinguishment of debt
0
-2,048
0
2,048
Change in fair value of mortgage servicing rights ('msr')
-120
3,241
-910
-1,009
Deferred tax expense (benefit)
530
1,156
-482
-386
Change in fair value of equity securities
-6
-45
13
24
Change in mortgage banking derivatives
-2,672
3,946
-30
-113
Other assets
4,589
13,010
-2,869
-14,387
Other liabilities
-1,246
-3,054
513
11,113
Net cash and cash equivalents provided by (used in) operating activities
3,863
-34,860
90,430
-17,878
Purchase of fhlb stock
-8,849
-
10,535
0
Proceeds from sale of available for sale debt securities
-
-
4,000
0
Purchase of available for sale debt securities
-
-
0
0
Redemption of fhlb stock
5,697
-
-
-
Proceeds from sale of mortgage servicing rights
227
-
0
0
Purchase of mortgage servicing rights
-296
-
0
296
Proceeds from sales of other real estate
269
-3,321
606
2,715
Purchases of premises and equipment
162
-1,840
794
1,463
Net increase in loans
70,964
-1,181,665
467,222
1,103,438
Contributions from lender risk account ('lra')
-
-
234
724
Contributions to lender risk account ('lra')
271
324
-
-
Proceeds from lra
957
-1,259
482
1,670
Net cash and cash equivalents used in investing activities
-65,933
1,186,390
-473,697
-1,101,536
Net change in deposits
231,898
-1,215,332
295,566
1,051,516
Cash dividends paid on common stock
866
-1,499
860
1,500
Subordinated debt call and repayment
0
-15,000
0
15,000
Subordinated debt issuance, net of costs
0
19,877
0
-
Advances of fhlb borrowings
475,000
-402,500
485,000
352,500
Repayment of fhlb borrowings
475,000
-416,702
472,500
374,202
Net change in other borrowings
-118,996
65,462
81,605
39,929
Issuance of common stock, net
0
-114,150
0
114,150
Preferred stock dividend
453
-6,029
1,979
4,503
Preferred stock repurchase
0
-4,902
62
4,840
Restricted stock units issuance
515
-
0
714
Proceeds from exercised stock options
0
-14
0
14
Net cash and cash equivalents provided by financing activities
112,812
-1,203,239
386,770
1,158,778
Net increase in cash and cash equivalents
50,742
-51,709
3,503
39,364
Cash and cash equivalents - beginning of period
419,162
419,162
376,295
-
Cash and cash equivalents - end of period
538,359
487,617
419,162
-
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
Advances of fhlb
borrowings
$475,000K
(34.75%↑ Y/Y)
Proceeds from sales of
loans held for sale
$591,157K
(-38.74%↓ Y/Y)
Net change in
deposits
$231,898K
(-77.95%↓ Y/Y)
Restricted stock units
issuance
$515K
(-27.87%↓ Y/Y)
Net income
$21,747K
Change in mortgage
banking derivatives
-$2,672K
(-2264.60%↓ Y/Y)
Depreciation
$586K
(-54.08%↓ Y/Y)
Deferred tax expense
(benefit)
$530K
(237.31%↑ Y/Y)
Provision (benefit) for
credit loss and...
$264K
(-86.34%↓ Y/Y)
Write-down of other real
estate
$160K
Amortization of intangible
asset
$147K
(-49.83%↓ Y/Y)
Change in fair value of
mortgage servicing...
-$120K
(88.11%↑ Y/Y)
Amortization of debt issuance
costs
$83K
(-66.53%↓ Y/Y)
Change in fair value of
equity securities
-$6K
(-125.00%↓ Y/Y)
Net cash and cash
equivalents provided by...
$112,812K
(-90.26%↓ Y/Y)
Net cash and cash
equivalents provided by...
$3,863K
(121.61%↑ Y/Y)
Canceled cashflow
$595,315K
Canceled cashflow
$613,609K
Net increase in cash
and cash...
$50,742K
(28.90%↑ Y/Y)
Canceled cashflow
$65,933K
Repayment of fhlb
borrowings
$475,000K
(26.94%↑ Y/Y)
Net change in other
borrowings
-$118,996K
(-398.02%↓ Y/Y)
Cash dividends paid
on common stock
$866K
(-42.27%↓ Y/Y)
Preferred stock dividend
$453K
(-89.94%↓ Y/Y)
Purchase of fhlb stock
-$8,849K
Redemption of fhlb stock
$5,697K
Proceeds from lra
$957K
(-42.69%↓ Y/Y)
Purchase of mortgage
servicing rights
-$296K
(-200.00%↓ Y/Y)
Proceeds from sales of
other real estate
$269K
(-90.09%↓ Y/Y)
Proceeds from sale of
mortgage servicing...
$227K
Origination of mortgage
loans held for sale
$590,549K
(-41.55%↓ Y/Y)
Net gain on sale of
loans
$17,045K
Other assets
$4,589K
(131.90%↑ Y/Y)
Other liabilities
-$1,246K
(-111.21%↓ Y/Y)
Net gain on sale of
mortgage servicing...
$77K
Provision (benefit) for
credit loss and...
-$54K
(1.82%↑ Y/Y)
Net (gain) loss on
sale of other real...
$49K
(143.75%↑ Y/Y)
Net cash and cash
equivalents used in...
-$65,933K
(94.01%↑ Y/Y)
Canceled cashflow
$16,295K
Net increase in
loans
$70,964K
(-93.57%↓ Y/Y)
something is missing
-$10,831K
Contributions to lender risk
account ('lra')
$271K
Purchases of premises and
equipment
$162K
(-88.93%↓ Y/Y)
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NORTHPOINTE BANCSHARES INC (NPB)
NORTHPOINTE BANCSHARES INC (NPB)