OPOF: the cash flow

Cash Flow Overview

Change in Cash

-$39,366K

Free Cash flow

$3,506K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-06-30

Loss on sale of securities, net

-176

Provision for credit losses

1,185

Stock compensation expense

163

Amortization of right of use lease assets

181

Net income

3,400

Decrease (increase) in other assets

-184

Decrease in loans held for sale, net

Decrease in accrued expenses and other liabilities

-1,725

Gain on redemption and retirement of subordinated notes

656

Net loss on write-down/sale of repossessed assets

-336

Depreciation and amortization

965

Income from bank owned life insurance

573

Amortization of subordinated debt issuance costs

Net amortization of securities

106

Accretion related to acquisition, net

-22

Net cash provided by operating activities

3,829

Proceeds from sales of available-for-sale securities

1,394

Proceeds from maturities of available-for-sale securities

3,100

Purchases of premises and equipment

323

Purchases of available-for-sale securities

5,886

(cash used in purchases) proceeds from redemption of restricted securities, net

-6

Paydowns on available-for-sale securities

7,313

Net decrease in loans held for investment

2,486

Net cash provided by investing activities

8,078

Repayment and retirement of subordinated debt

3,094

Repayment of federal home loan bank advances

Proceeds from employee stock purchase plan issuance

Increase in federal home loan bank advances

Cash dividends paid on common stock

1,429

(decrease) increase in noninterest-bearing deposits

-12,479

(decrease) increase in time deposits

-51,235

Increase (decrease) in savings deposits

17,501

Decrease in federal funds purchased, repurchase agreements and other borrowings, net

-646

Net cash used in financing activities

-51,273

Net (decrease) increase in cash and cash equivalents

-39,366

Time Plot

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