For the year ending 2025-12-31, STLE had $39,831K increase in cash & cash equivalents over the period. $13,069K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 22,888 |
| Depreciation | 665 |
| Net accretion of acquisition accounting adjustments | 575 |
| Net accretion of discounts and premiums on securities | 870 |
| Bargain purchase gain | 18,303 |
| Deferred income tax expense (benefit) | 118 |
| Provision for credit losses | 5,192 |
| Decrease (increase) in accrued interest receivable | -26 |
| (decrease) increase in accrued interest payable | -321 |
| Increase in cash surrender value of bank owned life insurance | 419 |
| Net marketable equity security (gains) losses | 151 |
| Origination of loans held for sale | 8,084 |
| Proceeds from loans sold | 8,346 |
| Gain on sale of loans | 262 |
| (gain) loss on disposition of premises and equipment | 43 |
| Realized loss on sale of securities | -8 |
| (gain) loss on sale of foreclosed real estate | 34 |
| Change in other assets and liabilities, net | -5,070 |
| Net cash provided by operating activities | 13,251 |
| Purchases | 10,957 |
| Proceeds from paydowns, maturities and calls | 28,045 |
| Proceeds from sales | 48,641 |
| Net increase in loans | 52,355 |
| Decrease of interest-bearing time deposits | 4,446 |
| Increase (decrease) in restricted investments in bank stock | -2,531 |
| Proceeds from sale of premises and equipment | 122 |
| Proceeds from sale of foreclosed real estate | 111 |
| Purchases of premises and equipment | 182 |
| Cash acquired in the acquisition of nubc, net of cash paid | -43,357 |
| Net cash provided by (used in) investing activities | 63,759 |
| Increase in deposits | 23,854 |
| Proceeds from federal home loan bank advances | 0 |
| Repayment of federal home loan bank advances | 57,550 |
| Repayment of federal reserve bank borrowings | 0 |
| Decrease in federal funds purchased | 0 |
| Increase (decrease) in repurchase agreements | 446 |
| Dividends paid on common stock | 3,929 |
| Net cash (used in) provided by financing activities | -37,179 |
| Net increase (decrease) in cash and cash equivalents | 39,831 |
| Cash and cash equivalents, beginning of year | 9,179 |
| Cash and cash equivalents, end of year | 49,010 |
STEELE BANCORP INC (STLE)
STEELE BANCORP INC (STLE)