For the quarter ending 2025-09-30, SLBK had $11,868K increase in cash & cash equivalents over the period. $602K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 11,450 | - |
| Depreciation | 1,499 | - |
| Amortization of core deposit intangible-Core Deposits | 598 | - |
| Accretion of loan discount and deposit premium, net | 784 | - |
| Provision for credit losses | 651 | - |
| Deferred income taxes | 238 | - |
| Net realized losses on securities | 0 | - |
| Accretion of discount on securities, net of amortization of premiums | -22 | - |
| Deferred compensation | 88 | - |
| Share-based compensation | 151 | - |
| Loss on sale of other real estate owned | -27 | - |
| Life insurance income | 60 | - |
| Cash value of life insurance | 538 | - |
| Accrued interest receivable | 122 | - |
| Other assets | -889 | - |
| Accrued interest payable | -306 | - |
| Other liabilities | 622 | - |
| Net cash provided by operating activities | 4,812 | 9,613 |
| Sales | 0 | - |
| Maturities/calls/paydowns | 1,797 | 7,752 |
| Purchases of restricted equity securities | -477 | 1,105 |
| Net increase in loans | 8,647 | 42,530 |
| Proceeds from life insurance contracts | 0 | 328 |
| Proceeds from sale of other real estate owned | 0 | 113 |
| Purchases of property and equipment | 4,210 | 3,532 |
| Cash received in business combination, net of cash paid | 0 | - |
| Net cash used in investing activities | -10,583 | -38,974 |
| Net increase in deposits | 30,165 | 47,751 |
| Proceeds from fhlb advances | 279,500 | - |
| Repayments on fhlb advances | 274,500 | - |
| Prepayment of fhlb advances | 0 | - |
| Net change in fed funds purchased | 0 | 4,254 |
| Advances on short-term line of credit | 0 | 4,000 |
| Payment on short-term line of credit | 0 | 7,500 |
| Repayment of bank term funding program advances | 0 | 0 |
| Common stock repurchased | 0 | 0 |
| Net change in fhlb advances | - | 16,000 |
| Dividends paid | 1,526 | 1,413 |
| Net cash provided by financing activities | 17,639 | 54,584 |
| Net increase in cash and cash equivalents | 11,868 | 25,223 |
| Cash and cash equivalents at beginning of period | 19,451 | - |
| Cash and cash equivalents at end of period | 56,542 | - |
Skyline Bankshares, Inc. (SLBK)
Skyline Bankshares, Inc. (SLBK)