For the quarter ending 2026-03-31, TYFG had $381K increase in cash & cash equivalents over the period.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 4,472 | 3,890 | 3,712 | 6,061 |
| Depreciation | 331 | 332 | 387 | 770 |
| Amortization of intangibles | 6 | 5 | 6 | 11 |
| Net amortization (accretion) of securities | - | - | - | 58 |
| Net amortization of securities | -12 | -15 | -97 | - |
| Amortization of debt issuance costs | 6 | 6 | 7 | 12 |
| Provision (recovery) of credit loss expense | -305 | 18 | 253 | 388 |
| Deferred income tax | -308 | -79 | 0 | -229 |
| Net gain on sales of foreclosed assets | 0 | 0 | 0 | -25 |
| Net loss on sales of bank premises and equipment | -186 | 6 | - | 0 |
| Net gain on sale of loans | 2,458 | 2,449 | 3,994 | 4,482 |
| Stock-based compensation expense | - | 160 | - | - |
| Net mortgage servicing rights amortization | 35 | 41 | 317 | -153 |
| Origination of loans held for sale | 65,482 | 95,136 | 97,036 | 149,800 |
| Proceeds from loans held for sale | 62,818 | 98,931 | 109,679 | 140,610 |
| Change in accrued interest receivable | 756 | -1,537 | 2,842 | -557 |
| Change in bank-owned life insurance | 144 | 149 | 145 | 281 |
| Change in other assets | 297 | 574 | -316 | 942 |
| Change in accrued interest payable and other liabilities | 273 | 509 | 452 | -176 |
| Net cash used in operating activities | -1,611 | 7,051 | 11,959 | -8,379 |
| Proceeds from maturities, paydowns and calls of available-for-sale debt securities | 6,252 | 4,011 | 4,143 | 11,127 |
| Purchases of available-for-sale debt securities | 6,888 | 3,578 | 6,618 | 13,931 |
| Net redemptions of fhlb stock | 113 | 2,094 | - | 0 |
| Purchases of fhlb stock | - | 114 | 1,575 | 557 |
| Loan (originations) and principal collections, net | -21,142 | 16,293 | 19,846 | 2,857 |
| Proceeds from sales of foreclosed assets | 0 | 0 | 0 | 794 |
| Proceeds from sales of bank premises and equipment | 82 | 6 | - | 0 |
| Purchases of bank premises and equipment, net | -93 | -70 | -99 | -306 |
| Net cash provided by (used in) investing activities | 20,608 | -13,944 | -23,995 | -5,730 |
| Net change in deposits | 5,115 | 50,917 | -15,770 | -4,520 |
| Net change in securities sold under agreements to repurchase | -1,259 | -2,492 | -602 | 3,520 |
| Cash dividends paid | - | - | - | 1,194 |
| Cash dividends paid | 594 | 594 | 1,530 | 263 |
| Purchases and retirement of common stock | 0 | 241 | 910 | - |
| Net change in short-term fhlb advances and other borrowings | -22,000 | -52,000 | 35,000 | 9,000 |
| Advances on long-term fhlb advances and other borrowings | - | 8,000 | 0 | 25,000 |
| Payments on long-term fhlb advances and other borrowings | - | 0 | 0 | 15,000 |
| Proceeds from stock options exercised | 122 | 154 | 6 | 26 |
| Net cash used in financing activities | -18,616 | 3,744 | 17,388 | 16,569 |
| Increase in cash and cash equivalents | 381 | -3,149 | 5,352 | 2,460 |
| Beginning of the year | 49,639 | -7,812 | 44,976 | - |
| Ending of the period | 50,020 | -3,149 | 52,788 | - |
Tri-County Financial Group, Inc. (TYFG)
Tri-County Financial Group, Inc. (TYFG)