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Cash Flow Overview

Free Cash flow
$6,039K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net change in deposits
    • Net earnings
    • Proceeds from paydowns of invest...
    • Others
Negative Cash Flow Breakdown
    • Net change in loans
    • Origination of mortgage loans he...
    • Purchases of investment securiti...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net earnings
14,030
-4,398
-33,027
13,197
Depreciation, amortization and accretion
643
653
621
735
Provision for credit losses
293
560
353
530
Deferred income taxes
13
71
84
-475
Write-down of other real estate
-
-
0
-
Gain on sale of held for mortgage loans
131
110
89
115
Gain on sale of premises and equipment
-
-
3,009
-
Loss on sale of investment securities net
0
0
-74
0
Write-down of premises and equipment
0
0
0
71
Gain on sale of other real estate
0
0
0
0
Restricted stock expense
193
-59
111
79
Proceeds from sales of mortgage loans held for sale
7,318
6,242
5,998
6,009
Origination of mortgage loans held for sale
7,267
6,658
5,701
8,958
Cash surrender value of life insurance
132
130
237
365
Right of use lease asset
-162
-175
-186
-50
Other assets
607
-174
-552
-84
Lease liability
-159
-174
-181
-48
Other liabilities
876
-114
-104
-47
Net cash provided by operating activities
6,436
5,028
5,291
4,688
Purchases of investment securities available for sale
6,589
-
11,990
6,209
Proceeds from calls and maturities of investment securities available for sale
0
0
35
3,000
Proceeds from sales of investment securities available for sale
0
0
7,663
12,733
Proceeds from paydowns of investment securities available for sale
10,958
5,321
6,314
13,786
Proceeds from paydowns of other investment securities
35
35
35
35
Proceeds from dot settlement receivable
0
3,009
-
-
Purchase of fhlb stock
0
35
0
0
Net change in loans
36,410
39,090
21,377
25,583
Purchases of premises and equipment
397
448
234
314
Proceeds from bank owned life insurance
0
-
110
330
Proceeds from sale of other real estate and repossessions
0
0
0
382
Net cash provided (used) by investing activities
-32,403
-31,208
-19,444
-27,650
Net change in deposits
-26,735
-31,332
43,665
-39,071
Net change in securities sold under agreement to repurchase
-
-
0
0
Proceeds from frb borrowings
-
-
1
-
Repayments of frb borrowings
-
-
1
-
Proceeds from fed funds purchased
-
-
162
-
Repayments of fed funds purchased
-
-
162
-
Restricted stock units vested
-
-
0
0
Excise tax on stock repurchased
-
-
0
-
Common stock repurchased
-
-
0
0
Restricted stock units exercised
-
74
-
-
Restricted stock units vested
-74
-
-
-
Cash dividends paid on common stock
1,147
2,075
1,093
1,093
Net cash provided by financing activities
25,588
29,331
-44,758
37,978
Net change in cash and cash equivalents
-379
3,151
-58,911
15,016
Cash and cash equivalents at beginning of period
61,256
58,105
117,016
59,266
Cash and cash equivalents at end of period
60,877
61,256
58,105
117,016
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net change indeposits-$26,735K (8.09%↑ Y/Y)Net earnings$14,030K (47.61%↑ Y/Y)Proceeds from sales ofmortgage loans held for...$7,318K (131.58%↑ Y/Y)Other liabilities$876K (329.92%↑ Y/Y)Depreciation, amortizationand accretion$643K (-53.51%↓ Y/Y)Provision for creditlosses$293K (432.73%↑ Y/Y)Restricted stock expense$193K (642.31%↑ Y/Y)Right of use leaseasset-$162K (46.00%↑ Y/Y)Deferred income taxes$13K (-98.42%↓ Y/Y)Net cash provided byfinancing activities$25,588K (-1.88%↓ Y/Y)Net cash provided byoperating activities$6,436K (-43.51%↓ Y/Y)Canceled cashflow$1,147K Canceled cashflow$17,092K Net change in cashand cash...-$379K (-100.89%↓ Y/Y)Canceled cashflow$32,024K Proceeds from paydowns ofinvestment securities...$10,958K (17.01%↑ Y/Y)Proceeds from paydowns ofother investment...$35K (-77.85%↓ Y/Y)Cash dividends paidon common stock$1,147K (-62.53%↓ Y/Y)something is missing-$8,796K Origination of mortgageloans held for sale$7,267K (322.85%↑ Y/Y)Other assets$607K (264.50%↑ Y/Y)Lease liability-$159K (45.55%↑ Y/Y)Cash surrender valueof life insurance$132K (-45.45%↓ Y/Y)Gain on sale of heldfor mortgage loans$131K (79.45%↑ Y/Y)Net cash provided(used) by investing...-$32,403K (-715.68%↓ Y/Y)Canceled cashflow$10,993K Net change in loans$36,410K (83.62%↑ Y/Y)Purchases of investmentsecurities available for...$6,589K Purchases of premises andequipment$397K (-54.10%↓ Y/Y)

PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK)

PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK)