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Income Statement
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Cash Flow
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Balance Sheet
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Cash Flow Overview
Change in Cash
$64,744K
Free Cash flow
$19,775K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Interest income
Increase in demand deposit and s...
Maturities and calls of availabl...
Others
Negative Cash Flow Breakdown
Salaries and employee benefits
Interest expense
Other expenses
Others
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Page 1
Annual
123
Page 1
Cash Flow
2025-12-31
Interest income
60,812
Noninterest income
5,086
Total income
65,898
Interest expense
12,041
Provision for credit losses
5,574
Salaries and employee benefits
15,557
Provision for income taxes
4,407
Occupancy expense
3,863
Depreciation
1,458
Amortization
1,519
Other expenses
9,191
Net income
12,288
Provision for credit losses
5,574
Depreciation and amortization
1,458
Amortization of operating lease right-of-use assets
829
Amortization of premium/discount on investment securities, net
371
Operating lease payments
755
Decrease (increase) in accrued interest receivable
-944
(decrease) increase in accrued interest payable
-12
Decrease in unearned fees and unamortized loan origination costs, net
319
(increase) decrease in income taxes receivable
510
Stock-based compensation expense and tax benefit
969
Provision (benefit) for deferred income taxes
284
Increase (decrease) in accounts payable and accrued liabilities
407
Write down on other real estate owned
73
(gain) loss on marketable equity securities
106
Loss on fair value option of junior subordinated debentures
-90
Gain on partial redemption of junior subordinated debentures
481
Gain on calls of investment securities
17
Gain on proceeds from bank-owned life insurance
0
Increase in cash surrender value of bank-owned life insurance
561
Loss (gain) on sale of assets
-57
Net decrease (increase) in other assets
-835
Net cash provided by operating activities
22,056
Purchases of fhlb stock, frb stock, and other securities
27
Maturities and calls of available-for-sale securities
14,415
Principal payments on available-for-sale securities
10,468
Net decrease (increase) in loans
3,341
Proceeds from bank-owned life insurance
0
Capital expenditures of premises and equipment
2,281
Investment in limited partnerships
0
Net cash provided by investing activities
25,916
Increase in demand deposit and savings accounts
32,736
Net (decrease) increase in time deposits
-1,579
Partial redemption of junior subordinated debentures
6,000
Net decrease is short-term borrowings
0
Dividends on common stock
8,385
Net cash provided by (used in) financing activities
16,772
Net increase in cash and cash equivalents
64,744
Cash and cash equivalents at beginning of year
56,211
Cash and cash equivalents at end of year
120,955
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS).
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Interest income
$60,812K
Noninterest income
$5,086K
Total income
$65,898K
Maturities and calls of
available-for-sale securities
$14,415K
Principal payments on
available-for-sale securities
$10,468K
Net decrease
(increase) in loans
$3,341K
Net income
$12,288K
Provision for credit
losses
$5,574K
Depreciation and
amortization
$1,458K
Stock-based compensation
expense and tax benefit
$969K
Decrease (increase) in
accrued interest...
-$944K
Net decrease
(increase) in other assets
-$835K
Increase in demand
deposit and savings...
$32,736K
Canceled cashflow
$53,610K
Amortization of operating
lease right-of-use...
$829K
Increase (decrease) in
accounts payable and...
$407K
Amortization of
premium/discount on investment...
$371K
Decrease in unearned fees
and unamortized...
$319K
Provision (benefit) for
deferred income taxes
$284K
Loss on fair value
option of junior...
-$90K
Write down on other
real estate owned
$73K
Loss (gain) on sale of
assets
-$57K
Net cash provided by
investing activities
$25,916K
Net cash provided by
operating activities
$22,056K
Net cash provided by
(used in) financing...
$16,772K
Canceled cashflow
$2,308K
Canceled cashflow
$2,442K
Canceled cashflow
$15,964K
Salaries and employee
benefits
$15,557K
Interest expense
$12,041K
Other expenses
$9,191K
Provision for credit
losses
$5,574K
Provision for income taxes
$4,407K
Occupancy expense
$3,863K
Amortization
$1,519K
Depreciation
$1,458K
Net increase in cash
and cash...
$64,744K
Capital expenditures of
premises and equipment
$2,281K
Purchases of fhlb stock,
frb stock, and other...
$27K
Operating lease payments
$755K
Increase in cash
surrender value of...
$561K
(increase) decrease in
income taxes...
$510K
Gain on partial
redemption of junior...
$481K
(gain) loss on
marketable equity...
$106K
Gain on calls of
investment securities
$17K
(decrease) increase in
accrued interest...
-$12K
Dividends on common stock
$8,385K
Partial redemption of
junior subordinated...
$6,000K
Net (decrease)
increase in time deposits
-$1,579K
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UNITED SECURITY BANCSHARES (UBFO)
UNITED SECURITY BANCSHARES (UBFO)