QNBC: the cashflow

MyFinsight

For the quarter ending 2025-09-30.

Cash Flow Overview

No enough data to generate the overview

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Cash Flow	2025-09-30	2025-06-30
Net income	10,109	6,461
Depreciation and amortization	1,281	890
Provision for credit losses	497	404
Net gain on sale of loans	63	22
Proceeds from sales of residential mortgages held-for-sale	2,254	668
Origination of residential mortgages held-for-sale	3,140	2,005
Increase in cash surrender value of bank-owned life insurance	254	168
Stock-based compensation expense	242	164
Deferred income tax (benefit) expense	74	-32
Net increase in income taxes payable	659	199
Net (increase) decrease in accrued interest receivable	37	37
Fair value remeasurements on interest rate swap	-141	-70
Amortization of mortgage servicing rights and change in valuation allowance	35	21
Net amortization of premiums and discounts on investment securities	-830	-520
Net amortization of deferred costs on subordinated debt	150	100
Net decrease in accrued interest payable	-3,747	-1,329
Operating lease payments	475	323
Increase in other assets	148	-456
Increase (decrease) in other liabilities	357	-1,217
Proceeds from the sale of investments available-for-sale	-	0
Net cash provided by operating activities	8,335	4,744
Proceeds from payments, maturities and calls of investments available-for-sale	81,538	49,226
Purchases of investments available-for-sale	59,825	40,452
Proceeds from redemption of investment in restricted stock	4,174	3,270
Proceeds from the sale of equity securities	-	0
Purchases of restricted stock	3,606	3,606
Net increase in loans	-28,860	-1,615
Net purchases of premises and equipment	670	413
Net cash used in investing activities	-7,249	6,410
Net increase in non-interest bearing deposits	5,993	17,961
Net increase in interest-bearing deposits	47,006	5,165
Net decrease in short-term borrowings	-5,141	13,620
Repayment of long-term debt	30,000	30,000
Cash dividends paid, net of reinvestment	3,742	2,489
Proceeds from issuance of common stock	416	347
Net cash provided by financing activities	14,532	4,604
Increase in cash and cash equivalents	15,618	15,758
Cash and cash equivalents at beginning of period	50,713	-
Cash and cash equivalents at end of period	66,331	-

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Time Plot

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QNBC: the cashflow