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Cash Flow Overview

Free Cash flow
$1,099K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from calls and maturiti...
    • Proceeds from long-term fhlb adv...
    • Proceeds from sale of residentia...
    • Others
Negative Cash Flow Breakdown
    • Increase in deposits
    • Repayment of long-term fhlb adva...
    • Loan originations and principal ...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income (loss)
93
-50
35
185
Depreciation and amortization
187
180
160
135
Provision for credit losses
120
120
140
80
Net amortization of premiums and discounts on securities
43
48
10
-51
Gain on sale of residential mortgage loans
25
24
8
63
Proceeds from sale of residential mortgage loans
2,179
1,302
429
3,318
Loans originated and sold
2,154
1,278
421
3,254
Deferred income tax expense (benefit)
136
-19
53
-32
Gain on sale of premises and equipment
0
7
-
-
Proceeds from sale of premises and equipment
0
20
-
-
Amortization of deferred loan fees
-2
-85
-106
-115
Esop compensation expense
15
15
71
4
Stock-based compensation expense
35
38
15
14
Earnings on investment in bank-owned life insurance
26
27
27
26
Net change in accrued interest receivable
-91
124
-90
199
Net change in other assets
44
-84
-756
334
Purchase of annuity contract
-
-
-
1,094
Change in pension assets
-
-
374
-
Net change in other liabilities
665
-964
-5,364
9,164
Net cash flow provided by operating activities
1,317
-600
-3,235
7,961
Proceeds from calls and maturities
7,136
4,470
10,745
4,015
Principal repayments
683
838
1,695
156
Purchases
-
-
3,852
11,980
Purchase of annuity contract
-
-
1,091
-
Purchase of federal home loan bank of new york stock
695
468
63
123
Redemption of federal reserve bank stock
-
486
4
-
Redemption of federal home loan bank of new york stock
1,081
-
1,130
-
Replaced with us gaap redemption of federal home loan bank of new york stock
-
-
-
48
Purchase of federal reserve bank stock
0
139
135
-
Loan originations and principal collections, net
3,350
7,509
11,438
5,417
Purchases of premises and equipment
218
176
2,140
699
Net cash flow provided by (used in) investing activities
4,151
-2,498
-5,956
-14,000
Increase in deposits
-5,868
6,427
-3,702
9,311
Change in advances from borrowers for taxes and insurance
1,282
-451
1,189
-1,808
Payments on acquisition contingent consideration
-
-
0
0
Repayment of long-term fhlb advances
5,814
-
48,500
0
Proceeds from long-term fhlb advances
5,876
-
43,500
0
Net proceeds from stock offering and conversion
-
-
8,565
-
Issuance and exchange of common stock
-
-
9
-
Purchase of esop shares
-
-
836
-
Change in short-term fhlb advances
0
-1,000
-
-
Net cash flow provided by financing activities
-4,524
4,976
225
7,503
Net change in cash and cash equivalents
944
1,878
-8,966
1,464
Cash and cash equivalents - beginning of the period
7,206
5,328
12,830
12,830
Cash and cash equivalents - end of the period
8,150
7,206
5,328
14,294
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

Proceeds from calls andmaturities$7,136K (-30.24%↓ Y/Y)Proceeds from sale ofresidential mortgage loans$2,179K (-52.82%↓ Y/Y)Redemption of federal homeloan bank of new york...$1,081K (41.68%↑ Y/Y)Principal repayments$683K (118.91%↑ Y/Y)Net change in otherliabilities$665K (185.41%↑ Y/Y)Depreciation andamortization$187K (-29.43%↓ Y/Y)Deferred income taxexpense (benefit)$136K (389.36%↑ Y/Y)Provision for creditlosses$120K (-80.68%↓ Y/Y)Net income (loss)$93K (293.75%↑ Y/Y)Net change inaccrued interest...-$91K (-173.98%↓ Y/Y)Net amortization ofpremiums and discounts on...$43K (182.69%↑ Y/Y)Stock-based compensationexpense$35K (9.38%↑ Y/Y)Esop compensationexpense$15K (66.67%↑ Y/Y)Amortization of deferred loanfees-$2K (95.12%↑ Y/Y)Net cash flowprovided by (used in)...$4,151K (134.41%↑ Y/Y)Net cash flowprovided by operating...$1,317K (3112.20%↑ Y/Y)Canceled cashflow$4,749K Canceled cashflow$2,249K Net change in cashand cash...$944K (-84.38%↓ Y/Y)Canceled cashflow$4,524K Loan originationsand principal...$3,350K (-57.21%↓ Y/Y)Purchase of federal homeloan bank of new york...$695K (-18.71%↓ Y/Y)something is missing-$486K Purchases of premises andequipment$218K (-88.87%↓ Y/Y)Proceeds from long-termfhlb advances$5,876K (-57.46%↓ Y/Y)Change in advances fromborrowers for taxes and...$1,282K (94.54%↑ Y/Y)Loans originated andsold$2,154K (-52.70%↓ Y/Y)Net change in otherassets$44K (-94.75%↓ Y/Y)Earnings on investment inbank-owned life insurance$26K (-50.00%↓ Y/Y)Gain on sale ofresidential mortgage loans$25K (-61.54%↓ Y/Y)Net cash flowprovided by financing...-$4,524K (-125.05%↓ Y/Y)Canceled cashflow$7,158K Increase in deposits-$5,868K (-132.16%↓ Y/Y)Repayment of long-termfhlb advances$5,814K (-59.90%↓ Y/Y)

Seneca Bancorp, Inc. (SNNF)

Seneca Bancorp, Inc. (SNNF)