WTBA: the cashflow

MyFinsight

For the quarter ending 2025-09-30, WTBA had -$112,269K decrease in cash & cash equivalents over the period. $10,761K in free cash flow.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Cash Flow	2025-09-30	2025-06-30
Credit loss expense (benefit)	-	0
Net income	9,314	15,821
Net amortization and accretion	770	1,542
Stock-based compensation	700	1,286
Increase in cash value of bank-owned life insurance	308	577
Depreciation	1,141	2,231
Provision for deferred income taxes	-119	994
Increase in accrued interest receivable	737	-196
Decrease in other assets	1,380	-2,435
Increase in accrued expenses and other liabilities	2,029	-652
Net cash provided by operating activities	11,410	23,276
Proceeds from principal paydowns, maturities and calls of securities available for sale	10,365	19,954
Purchases of federal home loan bank stock	30	234
Proceeds from redemption of federal home loan bank stock	151	52
Net increase in loans	42,555	-38,610
Purchases of premises and equipment	649	2,256
Net cash used in investing activities	-32,718	56,126
Net increase (decrease) in deposits	-85,476	34,397
Net decrease in federal funds purchased and other short-term borrowings	0	0
Principal payments on long-term debt	1,250	2,500
Common stock dividends paid	4,235	8,444
Restricted stock units withheld for payroll taxes	0	1,132
Net cash provided by (used in) financing activities	-90,961	22,321
Net increase (decrease) in cash and cash equivalents	-112,269	101,723
Cash and cash equivalents at beginning of period	243,478	-
Cash and cash equivalents at end of period	232,932	-

Unit: Thousand (K) dollars