For the quarter ending 2025-09-30, PCB had $105,931K increase in cash & cash equivalents over the period. $16,172K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 | 2025-03-31 |
|---|---|---|---|
| Net income | 11,412 | 9,071 | 7,735 |
| Depreciation of premises and equipment | 565 | 548 | 564 |
| Net amortization of premiums on securities | -43 | -34 | -31 |
| Net accretion of discounts on loans | 563 | 610 | 872 |
| Net accretion of deferred loan fees | 433 | 414 | 266 |
| Amortization of servicing assets | 528 | 490 | 549 |
| Provision (reversal) for credit losses on loans | -428 | - | - |
| Provision (reversal) for credit losses on off-balance sheet credit exposures | 47 | - | - |
| Provision for credit losses | -381 | 1,787 | 1,598 |
| Bank-owned life insurance income | 259 | 253 | 247 |
| Deferred tax benefit | -586 | -577 | -431 |
| Stock-based compensation | 227 | 232 | 230 |
| Gain on sale of loans | 1,617 | 1,465 | 887 |
| Originations of loans held-for-sale | 30,599 | 23,102 | 22,458 |
| Proceeds from sales of and principal collected on loans held-for-sale | 30,627 | 28,472 | 17,593 |
| Change in accrued interest receivable and other assets | -2,504 | 1,767 | -754 |
| Change in accrued interest payable and other liabilities | 4,951 | -7,550 | -1,545 |
| Net cash provided by operating activities | 16,419 | 4,896 | 2,348 |
| Purchase of securities available-for-sale | 0 | 11,884 | 2,971 |
| Proceeds from maturities and paydowns of securities available-for-sale | 5,871 | 6,217 | 4,318 |
| Proceeds from principal collected on loans held-for-sale previously classified as held-for-investment | 0 | - | - |
| Net change in loans held-for-investment | -43,058 | 67,336 | 97,762 |
| Purchase of federal home loan bank stock | 0 | 936 | - |
| Proceeds from sale of other real estate owned | 0 | 0 | 0 |
| Purchases of premises and equipment | 247 | 1,071 | 749 |
| Net cash used in investing activities | 48,682 | -75,010 | -97,164 |
| Net change in deposits | 90,587 | 108,516 | 98,608 |
| Net change in short-term federal home loan bank advances and other borrowings | -45,000 | 15,000 | 15,000 |
| Proceeds from long-term federal home loan bank advances | 0 | 0 | 0 |
| Repayment of long-term federal home loan bank advances | 0 | 0 | 0 |
| Stock options exercised | 450 | 534 | 684 |
| Restricted stock surrendered due to employee tax liability | 7 | - | - |
| Repurchase of common stock | 2,242 | 1,770 | 953 |
| Cash dividends paid on preferred stock | 86 | 87 | 86 |
| Cash dividends paid on common stock | 2,872 | 2,860 | 2,881 |
| Net cash provided by financing activities | 40,830 | 119,333 | 110,372 |
| Net increase (decrease) in cash and cash equivalents | 105,931 | 49,219 | 15,556 |
| Cash and cash equivalents at beginning of period | 198,792 | - | - |
| Cash and cash equivalents at end of period | 369,498 | - | - |
PCB BANCORP (PCB)
PCB BANCORP (PCB)