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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
$6,222K
Free Cash flow
$9,808K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Net increase in deposits
Increase in other borrowings
Net income
Others
Negative Cash Flow Breakdown
Net (increase) decrease in loans
Net decrease in fhlb advances
(increase) decrease in accrued i...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
6,655
4,663
4,853
4,323
Credit loss expense
-37
770
398
763
Write-down of other real estate owned
-
-
54
-
Depreciation and amortization
141
132
127
124
Gain on sale of other real estate owned
0
5
-
-
Deferred income tax expense (benefit)
-2
39
77
-348
Net (accretion) amortization of fees, premiums and discounts
-103
-65
-142
39
Stock-based compensation expense
-1
431
0
579
(increase) decrease in accrued interest receivable
868
373
450
33
Amortization of right-of-use lease assets
106
106
185
231
Net decrease in operating lease liabilities
-100
-98
-178
-92
(increase) decrease in other assets
122
-1,178
-256
990
Increase in other liabilities
4,615
1,092
1,454
-2,554
Net cash provided by operating activities
10,284
7,870
6,634
1,915
Principal repayments of debt securities available for sale
279
278
362
318
Principal repayments of debt securities held-to-maturity
4
3
32
13
Purchase of debt securities available for sale
0
2,342
2,350
-
Net (increase) decrease in loans
-125,700
-131,943
-
-
Net increase in loans
-
-
164,495
-9,853
Proceeds from sale of other real estate owned
0
556
-
-
Purchases of premises and equipment
476
439
309
6
Redemption of fhlb stock
-712
-350
2,370
0
Net cash (used in) provided by investing activities
-125,181
-133,537
-149,424
-29,191
Net increase in deposits
121,162
161,133
-27,737
80,622
Net decrease in fhlb advances
-15,000
40,000
-
0
Proceeds from conversion of preferred stock
-
-1
-
-
Increase in other borrowings
14,000
-
-
-
Proceeds from sale of common stock, net
956
-8
0
-14
Net cash provided by financing activities
121,119
151,124
22,263
80,608
Net increase in cash and cash equivalents
6,222
25,457
-120,527
53,332
Cash and cash equivalents at beginning of the period
140,016
114,559
235,086
93,630
Cash and cash equivalents at end of the period
146,238
140,016
114,559
235,086
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
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Cash Flow
Net increase in
deposits
$121,162K
(13.59%↑ Y/Y)
Net income
$6,655K
(-10.93%↓ Y/Y)
Increase in other
liabilities
$4,615K
(208.28%↑ Y/Y)
Increase in other
borrowings
$14,000K
Proceeds from sale of
common stock, net
$956K
(313.85%↑ Y/Y)
Depreciation and
amortization
$141K
(-35.02%↓ Y/Y)
Amortization of right-of-use
lease assets
$106K
(-16.54%↓ Y/Y)
Net cash provided by
financing activities
$121,119K
(112.86%↑ Y/Y)
Net cash provided by
operating activities
$10,284K
(10.68%↑ Y/Y)
Canceled cashflow
$15,000K
Canceled cashflow
$1,233K
Net increase in cash
and cash...
$6,222K
(-92.94%↓ Y/Y)
Canceled cashflow
$125,181K
Net decrease in fhlb
advances
-$15,000K
(70.00%↑ Y/Y)
Redemption of fhlb stock
-$712K
(68.65%↑ Y/Y)
Principal repayments of
debt securities...
$279K
(-49.82%↓ Y/Y)
Principal repayments of
debt securities...
$4K
(-81.82%↓ Y/Y)
(increase) decrease in
accrued interest...
$868K
(513.33%↑ Y/Y)
(increase) decrease in
other assets
$122K
(-88.19%↓ Y/Y)
Net (accretion)
amortization of fees,...
-$103K
(-58.46%↓ Y/Y)
Net decrease in
operating lease...
-$100K
(11.50%↑ Y/Y)
Credit loss expense
-$37K
(-104.23%↓ Y/Y)
Deferred income tax
expense (benefit)
-$2K
(98.95%↑ Y/Y)
Stock-based compensation
expense
-$1K
(-100.34%↓ Y/Y)
Net cash (used in)
provided by investing...
-$125,181K
(-670.79%↓ Y/Y)
Canceled cashflow
$995K
Net (increase)
decrease in loans
-$125,700K
Purchases of premises and
equipment
$476K
(-18.07%↓ Y/Y)
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OptimumBank Holdings, Inc. (OPHC)
OptimumBank Holdings, Inc. (OPHC)