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Cash Flow Overview

Change in Cash
-$90,247K
Free Cash flow
$45,326K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net increase in deposits
    • Net change in other assets and l...
    • Net income
    • Others
Negative Cash Flow Breakdown
    • Net increase in loans
    • Proceeds from long-term borrowin...
    • Dividends on common stock
    • Others
Cash Flow
2025-09-30
2025-06-30
Net income
14,395
28,089
Provision for credit losses, loans
1,408
3,083
(release) provision for credit losses, securities
-788
-2,036
Net accretion of purchase premiums and discounts on securities
24
36
Depreciation and amortization
727
979
Deferred income tax benefit
-446
-719
Net realized security gains
1
3,497
Stock compensation expense
536
1,029
Gain on sale of mortgage loans, net
582
603
Gain on sale of sba loans held for sale, net
238
302
Boli income
212
334
Ppp deferred fees and costs
-
-2
Net change in other assets and liabilities
-30,763
33,117
Net cash provided by operating activities
45,540
-7,466
Purchases of equity securities
-1
501
Purchases of afs securities
950
10,500
(purchase) redemption of fhlb stock, at cost, net
6,512
-7,223
Maturities, calls, and principal payments on htm securities
-54
4,893
Maturities, calls, and principal payments on afs securities
11,276
10,643
Proceeds from sales on afs securities
0
998
Proceeds from sales of equity securities
1
6,490
Net increase in loans
84,235
123,633
Net decrease in sba ppp loans
-
-1,449
Purchases of premises and equipment
214
466
Net cash used in investing activities
-69,112
-117,850
Proceeds from (repayments of) short-term borrowings, net
-
135,400
Net increase in deposits
80,118
87,053
Proceeds from long-term borrowings, net
-10,000
21,203
(shares withheld for taxes), net of proceeds from stock option exercises
53
-400
Dividends on common stock
1,446
2,707
Purchase of treasury stock, including excise tax accrual
0
1,938
Net cash provided by financing activities
-66,675
238,611
Increase (decrease) in cash and cash equivalents
-90,247
113,295
Cash and cash equivalents at beginning of period
180,438
-
Cash and cash equivalents at end of period
203,486
-
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net change in otherassets and liabilities-$30,763K Net income$14,395K Provision for creditlosses, loans$1,408K Depreciation andamortization$727K Stock compensationexpense$536K Net cash provided byoperating activities$45,540K Canceled cashflow$2,291K Increase (decrease) incash and cash...-$90,247K Canceled cashflow$45,540K Maturities, calls, andprincipal payments on afs...$11,276K (purchase) redemption offhlb stock, at cost,...$6,512K Proceeds from sales ofequity securities$1K Purchases of equitysecurities-$1K Net increase indeposits$80,118K (shares withheld fortaxes), net of proceeds...$53K (release) provision forcredit losses,...-$788K Gain on sale ofmortgage loans, net$582K Deferred income taxbenefit-$446K Gain on sale of sbaloans held for sale,...$238K Boli income$212K Net accretion ofpurchase premiums and...$24K Net realizedsecurity gains$1K Net cash used ininvesting activities-$69,112K Net cash provided byfinancing activities-$66,675K Canceled cashflow$17,790K Canceled cashflow$80,171K Net increase inloans$84,235K something is missing-$135,400K Purchases of afssecurities$950K Purchases of premises andequipment$214K Maturities, calls, andprincipal payments on htm...-$54K Proceeds from long-termborrowings, net-$10,000K Dividends on common stock$1,446K

UNITY BANCORP INC NJ (UNTY)

UNITY BANCORP INC NJ (UNTY)