For the year ending 2025-12-31, ORRF had -$99,100K decrease in cash & cash equivalents over the period. $70,499K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 80,855 |
| Net (discount accretion) premium amortization | 23,391 |
| Depreciation and amortization expense | 15,271 |
| Provision for credit losses - loans | 126 |
| Recovery of credit losses - unfunded loan commitments | -100 |
| Share-based compensation | 5,013 |
| Gains on sales of loans originated for sale | 1,287 |
| Fair value adjustment on loans held for sale | 3 |
| Mortgage loans originated for sale | 58,611 |
| Proceeds from sales of loans originated for sale | 60,419 |
| Net gain on disposal of oreo and premises held for sale | 119 |
| Net loss on disposal of premises and equipment | -19 |
| Deferred income tax (benefit) | -5,999 |
| Investment securities (gains) losses | 166 |
| Provision for legal settlement | 0 |
| Net losses (gains) on derivatives | -272 |
| Income from life insurance | 5,402 |
| Premium on branch sale | 0 |
| Decrease (increase) in accrued interest receivable and other assets | -5,429 |
| (decrease) increase in accrued interest payable and other liabilities | -10,805 |
| Other, net | -1,209 |
| Net cash provided by operating activities | 74,734 |
| Proceeds from sales of afs securities | 83,876 |
| Maturities, repayments and calls of afs securities | 85,213 |
| Purchases of afs securities | 272,279 |
| Net cash and cash equivalents received from acquisitions | 0 |
| Net purchases of restricted investments in bank stocks | 6,485 |
| Net (increase) decrease in loans | 69,561 |
| Proceeds from sales of portfolio loans | 0 |
| Investment in limited partnerships, net | 1,538 |
| Purchases of bank premises and equipment | 4,235 |
| Proceeds from disposal of oreo and premises held for sale | 2,182 |
| Proceeds from disposal of bank premises and equipment | 18 |
| Net cash paid in branch sale | 0 |
| Purchases of bank owned life insurance | 0 |
| Death benefit proceeds from life insurance contracts | 864 |
| Other | 15 |
| Net cash (used in) provided by investing activities | -181,960 |
| Net (decrease) increase in deposits | -95,260 |
| Net decrease (increase) in borrowings with original maturities less than 90 days | 38,079 |
| Proceeds from fhlb advances with original maturities greater than 90 days | 135,000 |
| Payments on fhlb advances with original maturities greater than 90 days | 15,000 |
| Payments on subordinated notes | 32,500 |
| Dividends paid | 20,643 |
| Acquisition of treasury stock | 263 |
| Shares repurchased as treasury stock for employee taxes associated with restricted stock vesting | 2,009 |
| Proceeds from issuance of employee stock purchase plan shares | 151 |
| Other | 571 |
| Net cash provided by financing activities | 8,126 |
| Net (decrease) increase in cash and cash equivalents | -99,100 |
| Cash and cash equivalents at beginning of year | 248,874 |
| Cash and cash equivalents at end of year | 149,774 |
ORRSTOWN FINANCIAL SERVICES INC (ORRF)
ORRSTOWN FINANCIAL SERVICES INC (ORRF)