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Cash Flow
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Cash Flow Overview
Free Cash flow
$9,367K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds on sales of loans origi...
Net change in short-term borrowi...
Proceeds from long-term debt
Others
Negative Cash Flow Breakdown
Loans originated for sale
Repayment of long-term debt
Gain on sale of loans held for s...
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
Income before income taxes
10,635
7,552
10,051
23,394
Income tax expense
2,173
1,555
2,338
4,705
Net income
8,462
5,997
7,713
7,926
Provision (credit) for credit losses
236
264
-558
-269
Depreciation, amortization, accretion
799
917
687
591
(recovery) impairment of mortgage servicing rights
-
-
0
-
Deferred taxes
4
-367
221
20
Stock based compensation
155
147
-39
148
Origination of mortgage servicing rights
237
58
113
174
Gain on sale of loans held for sale
21,776
18,676
20,431
22,381
Loans originated for sale
614,720
505,468
532,996
535,581
Proceeds on sales of loans originated for sale
629,156
524,853
544,046
584,112
Gain on death benefit on bank owned life insurance
-
-
0
-
Decrease in accrued interest receivable
-177
-3
225
496
Increase in cash surrender value of life insurance
1,135
549
540
526
(increase) decrease in derivative assets
-58
1,246
-49
-1,627
Increase in accrued interest on deposits and borrowings
125
-674
257
298
Increase in accrued taxes
1,090
-1,917
53
-129
Gain on sale of real estate owned
-
-
299
-
Gain on sale of mortgage servicing rights
-
-
0
0
Decrease (increase) in derivative liabilities
500
327
91
-1,831
(increase) decrease in other assets
-1,562
4,313
-1,242
-816
Increase in other liabilities
7,477
-5,069
4,635
-1,098
Net cash provided by (used in) operating activities
9,503
-647
3,173
32,715
Net (increase) decrease in loans receivable
-448
8,749
-39,384
50,563
Debt securities
449
5,224
2,450
4,326
Mortgage related securities
5,622
8,619
9,792
10,164
Bank owned life insurance
180
-
0
0
Fhlb stock
466
1,329
0
358
Premises and equipment
136
991
546
295
Principal repayments on mortgage-related securities
7,404
6,471
6,887
6,260
Maturities of debt securities
465
120
2,470
3,405
Sales of fhlb stock
0
2,373
903
0
Proceeds on sales of mortgage servicing rights
-
-
0
0
Death benefit from bank owned life insurance
-
-
0
-
Net cash (used in) provided by investing activities
1,464
-15,948
36,856
-56,041
Net (decrease) increase in deposits
-17,806
1,515
51,299
1,266
Net change in short-term borrowings
28,966
-52,196
-36,803
3,335
Repayment of long-term debt
50,000
30,000
20,000
30,000
Proceeds from long-term debt
20,000
82,972
0
30,000
Net change in advance payments by borrowers for taxes
7,503
-5,663
-11,963
8,045
Cash dividends on common stock
2,880
2,640
2,638
2,658
Purchase of common stock returned to authorized but unissued
3,681
4,395
2,724
3,818
Proceeds from stock option exercises
479
548
139
1
Net cash (used in) provided by financing activities
-17,419
-9,859
-22,690
6,171
(decrease) increase in cash and cash equivalents
-6,452
-26,454
17,339
-17,155
Cash and cash equivalents at beginning of period
44,653
71,107
53,768
39,761
Cash and cash equivalents at end of period
38,201
44,653
71,107
53,768
Income tax payments
2,989
-
-
-
Interest payments
26,579
-
-
-
Dividends declared but not paid in other liabilities
3,144
-
-
-
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
Income before income
taxes
$10,635K
Proceeds on sales of loans
originated for sale
$629,156K
(-36.36%↓ Y/Y)
Principal repayments on
mortgage-related securities
$7,404K
(-39.84%↓ Y/Y)
Net income
$8,462K
(-21.38%↓ Y/Y)
Increase in other
liabilities
$7,477K
(630.18%↑ Y/Y)
(increase) decrease in
other assets
-$1,562K
(-1635.56%↓ Y/Y)
Depreciation, amortization,
accretion
$799K
(-37.14%↓ Y/Y)
Decrease (increase) in
derivative liabilities
$500K
(116.84%↑ Y/Y)
Provision (credit) for
credit losses
$236K
(141.62%↑ Y/Y)
Decrease in accrued
interest receivable
-$177K
(27.16%↑ Y/Y)
Stock based
compensation
$155K
(-17.55%↓ Y/Y)
(increase) decrease in
derivative assets
-$58K
(98.34%↑ Y/Y)
Deferred taxes
$4K
(-99.15%↓ Y/Y)
Maturities of debt
securities
$465K
(-91.69%↓ Y/Y)
Net (increase)
decrease in loans...
-$448K
(97.26%↑ Y/Y)
Canceled cashflow
$2,173K
Net cash provided by
(used in) operating...
$9,503K
(181.19%↑ Y/Y)
Net cash (used in)
provided by investing...
$1,464K
(-85.98%↓ Y/Y)
Canceled cashflow
$639,083K
Canceled cashflow
$6,853K
Income tax expense
$2,173K
(decrease) increase in cash
and cash...
-$6,452K
(-120.70%↓ Y/Y)
Canceled cashflow
$10,967K
Net change in
short-term borrowings
$28,966K
(171.01%↑ Y/Y)
Proceeds from long-term
debt
$20,000K
(-80.00%↓ Y/Y)
Net change in
advance payments by...
$7,503K
(484.35%↑ Y/Y)
Proceeds from stock
option exercises
$479K
(-78.85%↓ Y/Y)
Loans originated for
sale
$614,720K
(-37.06%↓ Y/Y)
Gain on sale of loans
held for sale
$21,776K
(-42.55%↓ Y/Y)
Increase in cash
surrender value of life...
$1,135K
(-24.08%↓ Y/Y)
Increase in accrued taxes
$1,090K
(187.97%↑ Y/Y)
Origination of mortgage
servicing rights
$237K
(-22.55%↓ Y/Y)
Increase in accrued
interest on deposits and...
$125K
(116.17%↑ Y/Y)
Mortgage related
securities
$5,622K
(-69.48%↓ Y/Y)
Fhlb stock
$466K
(-77.86%↓ Y/Y)
Debt securities
$449K
(-90.75%↓ Y/Y)
Bank owned life
insurance
$180K
(0.00%↑ Y/Y)
Premises and equipment
$136K
(-58.02%↓ Y/Y)
Net cash (used in)
provided by financing...
-$17,419K
(-153.72%↓ Y/Y)
Canceled cashflow
$56,948K
Repayment of long-term
debt
$50,000K
(25.00%↑ Y/Y)
Net (decrease)
increase in deposits
-$17,806K
(-171.77%↓ Y/Y)
Purchase of common stock
returned to authorized...
$3,681K
(-61.92%↓ Y/Y)
Cash dividends on
common stock
$2,880K
(-47.37%↓ Y/Y)
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Waterstone Financial, Inc. (WSBF)
Waterstone Financial, Inc. (WSBF)