For the quarter ending 2025-09-30, PFBX had $23,516K increase in cash & cash equivalents over the period. $937K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Provision for credit losses | - | -5 |
| Net income | 643 | 2,552 |
| Depreciation | 392 | 836 |
| Reduction in credit losses | -5 | - |
| Amortization of intangible asset | 16 | 31 |
| (accretion) amortization of available for sale securities | -225 | -864 |
| Amortization (accretion) of held to maturity securities | 90 | 194 |
| Gain on sale of other real estate | 11 | - |
| Increase in cash surrender value of life insurance | 139 | 242 |
| Gain from death benefits from life insurance | -125 | - |
| Change in accrued interest receivable | -273 | -121 |
| Change in deferred tax | 20 | -81 |
| Change in other assets | -132 | 64 |
| Change in employee and director benefit plan liabilities and other liabilities | -41 | -591 |
| Net cash provided (used) by operating activities | 985 | 2,049 |
| Proceeds from maturities of available for sale securities | 28,542 | 92,004 |
| Purchases of available for sale securities | 0 | 113,085 |
| Proceeds from maturities of held to maturity securities | 5,314 | 22,106 |
| Purchases of federal home loan bank stock | 399 | 137 |
| Proceeds from sales of other real estate | 27 | - |
| Loans, net change | 4,418 | 14,741 |
| Acquisition of bank premises and equipment | 48 | 233 |
| Proceeds from death benefits from life insurance | 270 | - |
| Investment in cash surrender value of life insurance | 22 | 78 |
| Net cash provided (used) by investing activities | 29,266 | -14,164 |
| Demand and savings deposits, net change | -4,594 | -66,148 |
| Time deposits, net change | -2,141 | -10,271 |
| Borrowings from federal home loan bank | 425,490 | 49,900 |
| Repayments to federal home loan bank | 425,490 | 49,900 |
| Other borrowings and borrowings under bank term funding program | 196 | - |
| Repayments to other borrowings and borrowings under bank term funding program | 196 | - |
| Cash dividends | 0 | 831 |
| Net cash (used) provided by financing activities | -6,735 | -77,250 |
| Net (decrease) increase in cash and cash equivalents | 23,516 | -89,365 |
| Cash and cash equivalents at beginning of period | 107,744 | - |
| Cash and cash equivalents at end of period | 41,895 | - |
PEOPLES FINANCIAL CORP MS (PFBX)
PEOPLES FINANCIAL CORP MS (PFBX)