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Income Statement
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Cash Flow
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Cash Flow Overview
Free Cash flow
$15,987K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from sale of mortgage l...
Maturities, prepayments and call...
Net earnings
Others
Negative Cash Flow Breakdown
Net increase in loans
Purchases
Mortgage loans originated for re...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net earnings
20,810
22,261
22,321
17,871
Provision for credit losses
1,600
2,685
1,060
1,400
Deferred income tax benefit
-851
-601
1,021
-410
Depreciation and amortization of premises and equipment
1,049
1,044
1,031
1,046
Loss on sale of fixed assets
-3
-3
-62
-57
Net amortization (accretion) of securities
223
114
-480
-
Net amortization of securities
-
-
-
-108
Net realized gain on sale of securities
0
0
0
-2,526
Gain on sale of loans
577
726
403
371
Share-based compensation expense
434
387
310
-57
Loss on other real estate
-145
-
-
-
Loss on sale of other assets
-2
-2
0
0
Loss on sale of investment in joint venture
0
-
0
0
Premium on credit card portfolio sale
0
1,127
-
-
Increase in value of life insurance and annuity contracts
-
-
465
595
Income on boli and annuity contracts
590
685
-
-
Mortgage loans originated for resale
27,994
21,728
18,000
18,481
Proceeds from sale of mortgage loans
26,963
22,333
20,287
19,701
Right of use assets obtained for lease liabilities
-
0
-
-
Gain on lease modification
0
0
0
0
Right of use asset amortization
-
-
99
106
Amortization of premium on loans
0
-
0
0
Amortization of core deposit intangibles
13
11
0
0
Accretion of premium on time deposits
0
-
0
0
Amortization of mortgage servicing rights
107
103
97
27
Accrued interest receivable
1,025
20
1,094
-941
Other assets
-1,181
3,425
439
-2,165
Accrued interest payable
-1,304
-2,626
1,954
-291
Other liabilities
-2,749
7,862
-8,424
2,395
Total adjustments
-3,816
3,378
-2,917
10,267
Net cash provided by operating activities
16,994
25,639
19,404
28,138
Purchases
35,613
105,953
83,993
71,311
Sales
0
0
0
58,048
Maturities, prepayments and calls
20,983
25,036
16,365
24,857
Purchases of restricted equity securities
365
51
0
0
Proceeds from sale of credit card portfolio
0
7,803
-
-
Net increase in loans
87,153
49,786
-16,507
262,950
Purchase of buildings, leasehold improvements, and equipment
1,007
1,267
1,018
716
Proceeds from sale of premises and equipment
0
0
-22
16
Proceeds from sale of other assets
8
0
0
0
Proceeds from sale of other real estate
370
-
-
-
Purchase of life insurance and annuity contracts
906
0
0
0
Redemption of annuity contracts
95
353
10
60
Cash received from sale of investment in joint venture
-
-
-
0
Decrease in cash from sale of joint venture
0
-
228
-
Cash received from acquisition, net
0
-
0
0
Net cash used in investing activities
-103,588
-123,865
-52,419
-70,060
Net change in deposits - non-maturing
-984
62,494
20,646
286,604
Net change in deposits - time
-27,465
30,794
2,388
68,705
Change in escrow balances
2,604
784
-2,451
-1,004
Repayment of finance lease obligation
37
36
22
20
Sale of subsidiary interest
-
-
-
0
Issuance of common stock related to exercise of stock options
17
101
590
-18
Forfeiture of performance stock units
-
-
0
2
Forfeiture of restricted stock units
3
-
0
3
Repurchase of common stock
29
28
0
0
Cash dividends paid on common stock
0
5,592
0
-3,576
Net cash provided by financing activities
-25,891
88,517
21,379
175,598
Net change in cash and cash equivalents
-112,485
-9,709
-11,636
133,676
Cash and cash equivalents - beginning of period
357,644
367,353
378,989
247,589
Cash and cash equivalents - end of period
245,159
357,644
367,353
378,989
Interest
65,235
-
-
-
Federal
11,233
-
-
-
Total taxes
14,582
-
-
-
Change in fair value of securities available-for-sale, net of taxes of 2,486 and (6,629) for the six months ended june 30, 2026 and 2025, respectively
-7,028
-
-
-
Non-cash transfers from loans to other real estate
365
-
-
-
Non-cash transfers from loans to other assets
12
-
-
-
Interest bearing deposits
210,170
-
-
-
Federal funds sold
4,707
-
-
-
Cash and due from banks
30,282
-
-
-
Cash and cash equivalents - end of period
245,159
-
-
-
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Net earnings
$20,810K
(-41.43%↓ Y/Y)
Net cash provided by
operating activities
$16,994K
(-59.93%↓ Y/Y)
Canceled cashflow
$3,816K
Proceeds from sale of
mortgage loans
$26,963K
(-23.02%↓ Y/Y)
Provision for credit
losses
$1,600K
(-64.21%↓ Y/Y)
Other assets
-$1,181K
(-144.33%↓ Y/Y)
Depreciation and
amortization of premises and...
$1,049K
(-52.32%↓ Y/Y)
Share-based compensation
expense
$434K
(-47.96%↓ Y/Y)
Loss on other real
estate
-$145K
Amortization of mortgage
servicing rights
$107K
(-49.77%↓ Y/Y)
Amortization of core deposit
intangibles
$13K
(-61.76%↓ Y/Y)
Loss on sale of fixed
assets
-$3K
(75.00%↑ Y/Y)
Loss on sale of other
assets
-$2K
(0.00%↑ Y/Y)
Net change in cash
and cash...
-$112,485K
(-4842.22%↓ Y/Y)
Canceled cashflow
$16,994K
Maturities, prepayments and
calls
$20,983K
(-22.05%↓ Y/Y)
Proceeds from sale of
other real estate
$370K
Redemption of annuity
contracts
$95K
(-79.07%↓ Y/Y)
Proceeds from sale of
other assets
$8K
(-85.45%↓ Y/Y)
Change in escrow
balances
$2,604K
(-18.14%↓ Y/Y)
Issuance of common stock
related to exercise of...
$17K
(-79.27%↓ Y/Y)
Forfeiture of restricted
stock units
$3K
Total adjustments
-$3,816K
(-155.47%↓ Y/Y)
Canceled cashflow
$31,497K
Net cash used in
investing activities
-$103,588K
(54.68%↑ Y/Y)
Net cash provided by
financing activities
-$25,891K
(-114.08%↓ Y/Y)
Canceled cashflow
$21,456K
Canceled cashflow
$2,624K
Mortgage loans
originated for resale
$27,994K
(-22.30%↓ Y/Y)
Other liabilities
-$2,749K
(-135.94%↓ Y/Y)
Accrued interest
payable
-$1,304K
(-597.71%↓ Y/Y)
Accrued interest
receivable
$1,025K
(-46.61%↓ Y/Y)
Deferred income tax
benefit
-$851K
(16.73%↑ Y/Y)
Income on boli and
annuity contracts
$590K
Gain on sale of loans
$577K
(-63.06%↓ Y/Y)
Net amortization
(accretion) of securities
$223K
Net increase in
loans
$87,153K
(-52.10%↓ Y/Y)
Purchases
$35,613K
(-58.40%↓ Y/Y)
Net change in
deposits - time
-$27,465K
(-360.50%↓ Y/Y)
Purchase of buildings,
leasehold improvements,...
$1,007K
(-48.75%↓ Y/Y)
Purchase of life
insurance and annuity...
$906K
(-92.56%↓ Y/Y)
Purchases of restricted
equity securities
$365K
(-10.76%↓ Y/Y)
Net change in
deposits - non-maturing
-$984K
(-100.57%↓ Y/Y)
Repayment of finance lease
obligation
$37K
(-5.13%↓ Y/Y)
Repurchase of common stock
$29K
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WILSON BANK HOLDING CO (WBHC)
WILSON BANK HOLDING CO (WBHC)