UNB: the cashflow

MyFinsight

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	8,332	4,896
Depreciation	1,212	786
Credit loss expense	769	456
Deferred income tax provision	5	8
Net amortization of premiums on investment securities	-438	-314
Equity in losses of limited partnerships	1,366	909
Stock based compensation expense	449	296
Net decrease (increase) in unamortized loan costs	-55	-6
Proceeds from sales of loans held for sale	104,351	57,649
Origination of loans held for sale	102,107	60,568
Net gains on sales of loans held for sale	1,569	869
Net gains on disposals of premises and equipment	0	0
Net losses on sales of investment securities available-for-sale	0	-
Net gains on other investments	178	84
Decrease in accrued interest receivable	-881	-989
Amortization of debt issuance costs	26	17
Increase in other assets	1,454	1,108
Increase in other liabilities	1,481	651
Net cash provided by operating activities	14,057	4,348
Proceeds from maturities and redemptions	9,213	7,719
Purchases	8,208	5,220
Proceeds from sales	0	-
Proceeds from maturities, calls and paydowns	20,002	13,207
Purchases	22,029	0
Net purchases of other investments	35	48
Net increase in nonmarketable stock	810	286
Net increase in loans	18,583	-52,966
Recoveries of loans charged off	15	10
Net purchases of premises and equipment	967	812
Proceeds from company-owned life insurance death benefit	197	0
Investments in limited partnerships	1,005	705
Proceeds from sales of premises and equipment	0	0
Net cash used in investing activities	-22,210	66,831
Advances on long-term borrowings	20,145	30,145
Repayment of long-term borrowings	20,000	20,000
Net increase in short-term borrowings outstanding	11,000	833
Net decrease in noninterest bearing deposits	-	-8,731
Net increase (decrease) in noninterest bearing deposits	1,154	-
Net decrease in interest bearing deposits	-63,601	-136,451
Dividends reinvested	-	36
Net increase in time deposits	83,139	79,634
Dividends declared	-	3,268
Proceeds from issuance of common stock, net of issuance costs	801	52
Dividends paid	4,850	3,232
Net cash provided by financing activities	27,788	-57,750
Net increase (decrease) in cash and cash equivalents	19,635	13,429
Cash and cash equivalents at beginning of period	15,838	-
Cash and cash equivalents at end of period	35,473	-

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

Time Plot

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UNB: the cashflow