For the quarter ending 2025-09-30, UWHR had $37,744K increase in cash & cash equivalents over the period. $6,048K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Interest income | 42,838 | - |
| Interest expense | 14,115 | - |
| Net interest income | 28,723 | - |
| Noninterest income | 8,371 | - |
| Noninterest expense | 25,769 | - |
| Pre-tax, pre-provision income | 11,325 | - |
| Provision For Credit Losses | 711 | - |
| Provision for (recovery of) credit losses | 711 | - |
| Banking Mortgage And Wealth Management Segment | 2,607 | - |
| Non Segment Operations | -260 | - |
| Provision for income taxes | 2,347 | - |
| Net income | 2,890 | 5,377 |
| Depreciation and amortization | 262 | 537 |
| Right of use asset amortization | 99 | 197 |
| Provision for for credit losses | 176 | 535 |
| Gain on sale of mortgage loans | 467 | 980 |
| Gain on sale of oreo | 0 | 83 |
| Realized/unrealized (gain) loss on equity securities | 7 | -9 |
| Net amortization of premium on investment securities available for sale | 439 | 896 |
| Net amortization of premium on investment securities held to maturity | 30 | 60 |
| Amortization of loan servicing assets | 329 | 601 |
| Originations and purchases of mortgage loans for sale | 40,615 | 84,680 |
| Proceeds from sales of mortgage loans for sale | 45,146 | 81,074 |
| Mortgage banking derivatives | -14 | 111 |
| Loan servicing assets | 300 | 526 |
| Accrued interest receivable | 400 | -55 |
| Prepaid assets | -68 | 70 |
| Cash surrender value of life insurance | 36 | 70 |
| Miscellaneous other assets | 1,142 | 621 |
| Deferred income taxes | 4 | - |
| Accrued interest payable | -24 | -37 |
| Miscellaneous other liabilities | 41 | 1,184 |
| Net cash provided by operating activities | 6,507 | 3,347 |
| Proceeds from maturities, calls and paydowns of securities available for sale | 11,647 | 23,609 |
| Proceeds from maturities, calls and paydowns of securities held to maturity | 1,700 | 3,000 |
| Purchase of investment securities available for sale | 22,059 | 28,333 |
| Purchase of investments in other assets | 32 | 57 |
| Proceeds from distributions of investments in other assets | 161 | - |
| Net change in restricted stock | 30 | 40 |
| Net increase in loans | -99 | 11,408 |
| Purchase of premises and equipment | 459 | 270 |
| Proceeds from sale of oreo | 0 | 189 |
| Net cash used by investing activities | -8,973 | -13,310 |
| Net increase in deposit accounts | 41,689 | 32,128 |
| Net increase (decrease) in federal funds purchased and other short-term borrowings | -1,089 | -282 |
| Repurchase of common stock, net | 248 | 596 |
| Dividends paid on preferred stock (noncontrolling interest) | 142 | 280 |
| Net cash provided by financing activities | 40,210 | 30,970 |
| Increase in cash and cash equivalents | 37,744 | 21,007 |
| Cash and cash equivalents at beginning of period | 52,267 | - |
| Cash and cash equivalents at end of period | 111,018 | - |
UWHARRIE CAPITAL CORP (UWHR)
UWHARRIE CAPITAL CORP (UWHR)