NWFL: the cashflow

MyFinsight

For the quarter ending 2025-09-30.

Cash Flow Overview

No enough data to generate the overview

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Cash Flow	2025-09-30	2025-06-30
Net income	20,313	11,978
Provision for (release of) credit losses	1,305	1,807
Depreciation	1,020	658
Amortization of intangible assets	42	30
Deferred income taxes	-1,334	-1,489
Net (accretion) amortization of securities premiums and discounts	470	319
Earnings and proceeds on life insurance policies	820	552
Gain on sales and write-downs of fixed assets and foreclosed real estate owned, net	9	-
Net amortization of loan fees	-577	-388
Net gain on sale of loans	242	112
Mortgage loans originated for sale	9,823	5,584
Proceeds from sale of loans originated for sale	-10,065	-5,696
Compensation expense related to stock options	186	124
Compensation expense related to restricted stock	350	233
(increase) decrease in accrued interest receivable	220	176
(decrease) increase in accrued interest payable	-2,792	-1,640
Other, net	-7,044	-4,811
Net cash provided by operating activities	25,192	15,853
Proceeds from maturities and principal reductions on mortgage-backed securities	41,714	30,223
Purchases	35,473	27,410
Purchase of regulatory stock	14,245	10,946
Redemption of regulatory stock	21,448	16,774
Net increase in loans	97,316	71,844
Proceeds from bank-owned life insurance	1,656	1,101
Purchase of premises and equipment	3,646	2,609
Net cash used in investing activities	-85,862	-64,711
Net increase in deposits	214,805	138,671
Net decrease in short-term borrowings	-113,069	-86,569
Repayments of other borrowings	69,722	56,443
Proceeds from other borrowings	40,000	40,000
Stock options exercised	14	-
Purchase of treasury stock	349	349
Cash dividends paid	8,618	5,746
Net cash provided by financing activities	63,061	29,564
Increase in cash and cash equivalents	2,391	-19,294
Cash and cash equivalents at beginning of period	72,339	-
Cash and cash equivalents at end of period	74,730	-

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Time Plot

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NWFL: the cashflow