For the quarter ending 2026-03-31, WTBA had -$109,108K decrease in cash & cash equivalents over the period. $12,388K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Credit loss expense (benefit) | - | 0 | - | 0 |
| Net income | 10,572 | 7,425 | 9,314 | 15,821 |
| Net amortization and accretion | 739 | 763 | 770 | 1,542 |
| Securities (gains)losses, net | - | -3,959 | - | - |
| Stock-based compensation | 600 | 758 | 700 | 1,286 |
| Increase in cash value of bank-owned life insurance | 308 | 317 | 308 | 577 |
| Gain from bank-owned life insurance | - | 0 | - | - |
| Depreciation | 1,153 | 1,144 | 1,141 | 2,231 |
| Provision for deferred income taxes | 281 | -523 | -119 | 994 |
| Increase in accrued interest receivable | 631 | -1,384 | 737 | -196 |
| Decrease in other assets | -911 | -36 | 1,380 | -2,435 |
| Decrease in accrued expenses and other liabilities | -432 | -2,836 | 2,029 | -652 |
| Net cash provided by operating activities | 12,885 | 11,793 | 11,410 | 23,276 |
| Proceeds from sales of securities available for sale | - | 63,690 | - | - |
| Proceeds from principal paydowns, maturities and calls of securities available for sale | 8,728 | 10,879 | 10,365 | 19,954 |
| Purchases of federal home loan bank stock | 97 | 60 | 30 | 234 |
| Proceeds from redemption of federal home loan bank stock | 84 | 83 | 151 | 52 |
| Net (increase) decrease in loans | -10,050 | 4,278 | 42,555 | -38,610 |
| Proceeds of principal and earnings from bank-owned life insurance | - | 0 | - | - |
| Purchases of premises and equipment | 497 | 421 | 649 | 2,256 |
| Net decrease in federal funds purchased and other short-term borrowings | - | 0 | 0 | 0 |
| Net cash used in investing activities | 18,268 | 69,893 | -32,718 | 56,126 |
| Net increase (decrease) in federal home loan bank advances | - | 0 | - | - |
| Net decrease in deposits | -133,498 | 161,953 | -85,476 | 34,397 |
| Principal payments on long-term debt | 1,250 | 1,250 | 1,250 | 2,500 |
| Common stock dividends paid | 4,235 | 4,235 | 4,235 | 8,444 |
| Restricted stock units withheld for payroll taxes | 1,278 | 0 | 0 | 1,132 |
| Net cash provided by (used in) financing activities | -140,261 | 156,468 | -90,961 | 22,321 |
| Net decrease in cash and cash equivalents | -109,108 | 238,154 | -112,269 | 101,723 |
| Beginning | 471,086 | 10,546 | 243,478 | - |
| Ending | 361,978 | 238,154 | 232,932 | - |
WEST BANCORPORATION INC (WTBA)
WEST BANCORPORATION INC (WTBA)