UBCP: the cashflow

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For the quarter ending 2025-09-30.

Cash Flow Overview

No enough data to generate the overview

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Cash Flow	2025-09-30	2025-06-30
Net income	5,717	3,786
Depreciation and amortization	878	576
Amortization of intangible asset	113	75
Premium amortization on securities	328	213
Provision for credit loss expense	488	-
Gain on sale of loans	343	225
Provision for credit loss expense	-	302
(gain) loss on sale of available-for-sale securities	144	144
Expense related to share based compensation programs	265	177
Increase in value of bank-owned life insurance	303	202
Originations of loans held for sale	11,255	7,255
Proceeds from sale of loans held for sale	11,598	7,480
Amortization of debt instrument costs	45	30
Loss on sale or write down of foreclosed assets	-37	-
Net change in accrued interest receivable and other assets	-265	448
Net change in accrued expenses and other liabilities	321	480
Net cash provided by operating activities	8,010	4,845
Purchase of available-for-sale securities	20,608	-
Sales of available-for-sale securities	7,734	7,724
Maturities of available-for-sale securities	1,510	10
Net change in loans	5,434	9,723
Purchase of federal home loan bank stock	4	4
Proceeds from sales of foreclosed and fixed assets	107	50
Purchases of premises and equipment, net	7,507	3,975
Net cash used in investing activities	-24,202	-5,918
Net change in deposits	31,699	29,451
Net change in securities sold under repurchase agreements	15,020	5,106
Repurchase of common stock	129	129
Finance lease principal payment	-	40
Cash dividends paid	4,354	3,237
Net cash provided by (used in) financing activities	42,236	31,151
Increase (decrease) in cash and cash equivalents	26,044	30,078
Cash and cash equivalents at beginning of period	19,608	-
Cash and cash equivalents at end of period	45,652	-

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Time Plot

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UBCP: the cashflow