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Cash Flow Overview

Free Cash flow
$6,020K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from paydowns, maturiti...
    • Proceeds from senior debt
    • Increase in deposits
    • Others
Negative Cash Flow Breakdown
    • Purchases
    • Repayment of subordinated debt
    • Net increase in loans
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
5,257
4,878
5,585
13,677
Depreciation
220
225
248
182
Net accretion of acquisition accounting adjustments
291
307
333
242
Net accretion of discounts and premiums on securities
365
353
328
333
Bargain purchase gain
-
-
476
17,827
Deferred income tax expense (benefit)
88
80
453
-275
Provision for credit losses - loans
212
-134
802
4,228
Increase in accrued interest receivable
-99
117
55
-180
(decrease) increase in accrued interest payable
-250
-262
-82
-454
Increase in cash surrender value of bank owned life insurance
163
156
163
130
Net marketable equity security (gains) losses
214
-5
94
60
Origination of loans held for sale
1,921
1,402
5,162
1,230
Proceeds from loans sold
1,957
734
5,259
1,354
Gain on sale of loans
69
24
158
63
Loss (gain) on disposition of premises and equipment
-7
0
-9
0
Realized loss on sale of securities
-
-
0
-8
(gain) loss on sale of foreclosed real estate
-
-
-2
36
Change in other assets and liabilities, net
-1,696
500
-1,821
-3,418
Net cash provided by operating activities
6,263
2,667
7,328
2,397
Purchases
12,891
10,672
7,011
3,946
Proceeds from paydowns, maturities and calls
8,190
9,714
10,220
7,564
Proceeds from sales
-
-
0
48,641
Net increase in loans
5,747
-2,434
15,965
5,033
Decrease of interest-bearing time deposits
1,470
738
1,731
992
Decrease (increase) in restricted investments in bank stock
-148
-71
-63
-2,701
Proceeds from sale of premises and equipment
0
0
0
1
Proceeds from sale of foreclosed real estate
-
-
-2
113
Purchases of premises and equipment
243
260
95
45
Cash acquired in the acquisition of nubc, net of cash paid
-
-
42
-43,399
Net cash (used in) investing activities
-9,073
2,025
-11,101
94,387
Increase in deposits
5,395
4,293
3,644
-4,869
Proceeds from federal home loan bank advances
0
-
0
-38,585
Repayment of federal home loan bank advances and federal funds purchased
0
1,000
2,500
20,500
Repayment of subordinated debt
-10,000
-
0
-
Senior debt issuance cost
133
-
-
-
Decrease in federal funds purchased
-
-
0
0
Proceeds from senior debt
7,500
-
-
-
(decrease) increase in repurchase agreements
-705
377
175
172
Dividends paid on common stock
2,588
-
2,554
0
Net cash provided by financing activities
-531
3,670
-1,235
-63,782
Net increase in cash and cash equivalents
-3,341
8,362
-5,008
33,002
Cash and cash equivalents, beginning of year
57,372
49,010
54,018
9,179
Cash and cash equivalents, end of period
54,031
57,372
49,010
54,018
Interest paid
10,022
-
-
-
Other real estate acquired in settlement of loans
0
-
-
-
Change in maximum cash obligation related to esop shares
1,974
-
-
-
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

Net income$5,257K (44.98%↑ Y/Y)Proceeds from loans sold$1,957K (12.93%↑ Y/Y)Change in other assetsand liabilities,...-$1,696K (-1103.55%↓ Y/Y)Depreciation$220K (-6.38%↓ Y/Y)Provision for creditlosses - loans$212K (30.86%↑ Y/Y)Increase in accruedinterest receivable-$99K (-200.00%↓ Y/Y)Deferred income taxexpense (benefit)$88K (246.67%↑ Y/Y)Loss (gain) ondisposition of premises and...-$7K (-113.46%↓ Y/Y)Net cash provided byoperating activities$6,263K (77.62%↑ Y/Y)Canceled cashflow$3,273K Net increase in cashand cash...-$3,341K (-128.23%↓ Y/Y)Canceled cashflow$6,263K Proceeds from paydowns,maturities and calls$8,190K (-20.18%↓ Y/Y)Decrease ofinterest-bearing time deposits$1,470K (-14.68%↓ Y/Y)Decrease (increase) inrestricted investments in...-$148K (-163.52%↓ Y/Y)Proceeds from senior debt$7,500K Increase in deposits$5,395K (-78.49%↓ Y/Y)Origination of loans held forsale$1,921K (13.53%↑ Y/Y)Net accretion ofdiscounts and premiums on...$365K (74.64%↑ Y/Y)Net accretion ofacquisition accounting...$291K (decrease) increase inaccrued interest...-$250K (-216.28%↓ Y/Y)Net marketableequity security...$214K (7233.33%↑ Y/Y)Increase in cashsurrender value of bank...$163K (29.37%↑ Y/Y)Gain on sale of loans$69K (68.29%↑ Y/Y)Net cash (used in)investing activities-$9,073K (53.54%↑ Y/Y)Canceled cashflow$9,808K Net cash provided byfinancing activities-$531K (-101.91%↓ Y/Y)Canceled cashflow$12,895K Purchases$12,891K Net increase inloans$5,747K (-81.67%↓ Y/Y)Purchases of premises andequipment$243K (478.57%↑ Y/Y)Repayment of subordinateddebt-$10,000K Dividends paid on commonstock$2,588K (88.22%↑ Y/Y)(decrease) increase inrepurchase agreements-$705K (-812.12%↓ Y/Y)Senior debt issuancecost$133K

STEELE BANCORP INC (STLE)

STEELE BANCORP INC (STLE)