For the quarter ending 2026-03-31, SLBK had -$40,447K decrease in cash & cash equivalents over the period. -$652K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Net income | -6,849 | 11,450 | - |
| Depreciation | -963 | 1,499 | - |
| Amortization of core deposit intangible | -429 | 598 | - |
| Accretion of loan discount and deposit premium, net | -587 | 784 | - |
| Provision for credit losses | -372 | 651 | - |
| Deferred income taxes | -198 | 238 | - |
| Net realized losses on securities | - | 0 | - |
| Accretion of discount on securities, net of amortization of premiums | 8 | -22 | - |
| Deferred compensation | -47 | 88 | - |
| Share-based compensation | -92 | 151 | - |
| Loss on sale of other real estate owned | - | -27 | - |
| Life insurance income | -60 | 60 | - |
| Cash value of life insurance | -359 | 538 | - |
| Accrued interest receivable | -148 | 122 | - |
| Other assets | 1,129 | -889 | - |
| Accrued interest payable | 296 | -306 | - |
| Other liabilities | 549 | 622 | - |
| Net cash provided by operating activities | -8,115 | 4,812 | 9,613 |
| Proceeds from sale of other real estate owned | - | 0 | 113 |
| Sales | - | 0 | - |
| Maturities/calls/paydowns | -2,217 | 1,797 | 7,752 |
| Redemption (purchases) of restricted equity securities | -290 | -477 | 1,105 |
| Net increase in loans | -23,268 | 8,647 | 42,530 |
| Proceeds from life insurance contracts | -38 | 0 | 328 |
| Purchases of property and equipment | -7,463 | 4,210 | 3,532 |
| Cash received in business combination, net of cash paid | - | 0 | - |
| Net cash used in investing activities | 28,653 | -10,583 | -38,974 |
| Net increase in deposits | -71,600 | 30,165 | 47,751 |
| Proceeds from fhlb advances | -262,500 | 279,500 | - |
| Repayment of bank term funding program advances | - | 0 | 0 |
| Repayments on fhlb advances | -263,500 | 274,500 | - |
| Common stock repurchased | - | 0 | 0 |
| Prepayment of fhlb advances | - | 0 | - |
| Net change in fed funds purchased | -4,877 | 0 | 4,254 |
| Advances on short-term line of credit | -4,000 | 0 | 4,000 |
| Payment on short-term line of credit | -7,500 | 0 | 7,500 |
| Net change in fhlb advances | - | - | 16,000 |
| Dividends paid | -1,238 | 1,526 | 1,413 |
| Net cash provided by financing activities | -60,985 | 17,639 | 54,584 |
| Net increase (decrease) in cash and cash equivalents | -40,447 | 11,868 | 25,223 |
| Cash and cash equivalents, beginning | -33,350 | 19,451 | - |
| Cash and cash equivalents, ending | -36,706 | 56,542 | - |
Skyline Bankshares, Inc. (SLBK)
Skyline Bankshares, Inc. (SLBK)