FSFG · As filed with the SEC
First Savings Financial Group cash flow statement, by fiscal year
The statement as First Savings Financial Group presents it in its 10-Q and 10-K: its own lines, labels and order. Tables over time lines up standardized figures across every filing.
CONSOLIDATED STATEMENTS OF CASH FLOWS · USD
| USD | FY2025 Year ended Sep 30, 2025 | FY2024 Year ended Sep 30, 2024 | FY2023 Year ended Sep 30, 2023 | FY2022 Year ended Sep 30, 2022 |
|---|---|---|---|---|
| CASH FLOWS FROM OPERATING ACTIVITIES | ||||
| Net income | 23,161,000 | 13,592,000 | 8,172,000 | 16,444,000 |
| Adjustments to reconcile net income to net cash provided by (used in) operating activities: | ||||
| Provision (credit) for loan losses | — | — | 2,612,000 | 1,908,000 |
| Provision (credit) for credit losses - loans | (118,000) | 3,492,000 | — | — |
| Provision (credit) for unfunded commitments | 452,000 | (421,000) | — | — |
| Provision (credit) for credit losses - securities | (9,000) | 21,000 | — | — |
| Depreciation and amortization | 2,244,000 | 2,371,000 | 2,549,000 | 2,448,000 |
| Amortization of premiums and accretion of discounts on securities, net | 317,000 | 279,000 | 578,000 | 903,000 |
| Amortization and accretion of fair value adjustments on loans, net | (1,064,000) | (1,215,000) | (1,805,000) | (1,529,000) |
| Loans originated for sale, residential mortgage | (6,285,000) | (60,822,000) | (587,685,000) | (1,677,276,000) |
| Loans originated for sale, home equity lines of credit | (91,298,000) | — | — | — |
| Loans originated for sale, Small Business Administration | (57,925,000) | (51,013,000) | (41,160,000) | — |
| Proceeds on sales of loans, residential mortgage | — | — | 603,800,000 | 1,806,926,000 |
| Proceeds on sales of loans, residential mortgage | 5,791,000 | 83,228,000 | — | — |
| Proceeds on sales of loans, home equity lines of credit | 146,482,000 | — | — | — |
| Proceeds on sales of loans, Small Business Administration | 73,331,000 | 50,070,000 | 44,817,000 | — |
| Net realized and unrealized gain on loans held for sale | (8,943,000) | (1,998,000) | (3,958,000) | 12,376,000 |
| Capitalization of loan servicing rights | (1,295,000) | (1,392,000) | (3,122,000) | (12,167,000) |
| Net change in value of residential mortgage loan servicing rights | — | — | 5,849,000 | (1,001,000) |
| Proceeds from sale of residential mortgage loan servicing rights | — | 59,464,000 | — | — |
| Loss on sale of residential mortgage loan servicing rights | — | 4,000 | — | — |
| Net change in value of residential mortgage loan servicing rights | — | 809,000 | — | — |
| Net change in value of SBA and nonresidential mortgage loan servicing rights | 964,000 | 1,180,000 | 1,647,000 | — |
| Net realized and unrealized (gain) loss on other real estate owned | — | — | — | 115,000 |
| Net loss (gain) on sales of available for sale securities | — | — | 551,000 | (476,000) |
| Net realized and unrealized gain on other real estate owned | (248,000) | (5,000) | — | — |
| Other than temporary impairment loss on securities | — | — | 28,000 | — |
| Increase in cash surrender value of life insurance | — | — | (1,081,000) | (993,000) |
| Net (gain) loss on equity securities | — | — | (57,000) | 10,000 |
| Increase in cash surrender value of life insurance | (1,503,000) | (1,378,000) | — | — |
| Net unrealized gain (loss) on equity securities | — | (491,000) | — | — |
| Gain on life insurance | (255,000) | — | — | — |
| Net gain on equity securities | (493,000) | — | — | — |
| Deferred income taxes | (375,000) | (16,055,000) | (716,000) | 2,095,000 |
| Stock compensation expense | 918,000 | 699,000 | 698,000 | 688,000 |
| Net gain on sale of premises and equipment | (45,000) | (116,000) | (49,000) | — |
| Gain from repurchase of subordinated debt | — | — | (660,000) | — |
| Income from tax credit investments | — | — | — | (12,000) |
| Increase in accrued interest receivable | — | (1,215,000) | (1,829,000) | (2,089,000) |
| Increase in accrued interest payable | (8,338,000) | 4,458,000 | 7,624,000 | 1,044,000 |
| Change in other assets and liabilities, net | — | — | — | (602,000) |
| Change in other assets | (4,556,000) | 9,335,000 | 7,874,000 | — |
| Change in other liabilities | 8,222,000 | (1,678,000) | (11,919,000) | — |
| Net Cash Provided By Operating Activities | 79,132,000 | 91,203,000 | 32,758,000 | 148,812,000 |
| CASH FLOWS FROM INVESTING ACTIVITIES | ||||
| Investment in interest-bearing time deposits | — | — | (490,000) | (245,000) |
| Proceeds from sales and maturities of interest-bearing time deposits | — | — | 1,603,000 | 840,000 |
| Proceeds from maturities of interest-bearing time deposits | 245,000 | — | — | — |
| Purchase of securities available for sale | (18,975,000) | (6,968,000) | (11,664,000) | (211,141,000) |
| Proceeds from sales of securities available for sale | — | — | 79,230,000 | 33,494,000 |
| Proceeds from sales of equity securities | 403,000 | — | — | — |
| Principal collected and proceeds from maturities of securities available for sale | 10,575,000 | 9,021,000 | 16,877,000 | 13,598,000 |
| Principal collected and proceeds from maturities of securities held to maturity | 262,000 | 260,000 | 258,000 | 260,000 |
| Principal collected on securities | — | — | — | 8,262,000 |
| Proceeds from life insurance | 687,000 | — | — | — |
| Net increase in loans | (9,662,000) | (196,771,000) | (335,871,000) | (348,738,000) |
| Proceeds from redemption of Federal Reserve Bank and Federal Home Loan Bank stock | — | 1,000 | 15,000 | 592,000 |
| Purchase of Federal Reserve Bank and Federal Home Loan Bank stock | (499,000) | (48,000) | (4,950,000) | (1,338,000) |
| Proceeds from life insurance | — | — | — | 575,000 |
| Proceeds from sale of other real estate owned | — | — | 134,000 | 689,000 |
| Purchase of bank owned life insurance | (14,454,000) | — | — | — |
| Proceeds from sale of other real estate owned | 451,000 | 35,000 | — | — |
| Purchase of premises and equipment | (879,000) | (684,000) | (2,954,000) | (835,000) |
| Proceeds from sales of premises and equipment | 69,000 | 150,000 | — | — |
| Investment in partnership interests | (6,051,000) | (8,311,000) | (6,176,000) | (2,242,000) |
| Acquisition of minority interests in Q2 | — | (18,000) | — | — |
| Net Cash Used In Investing Activities | (37,828,000) | (203,333,000) | (263,988,000) | (506,229,000) |
| CASH FLOWS FROM FINANCING ACTIVITIES | ||||
| Net increase (decrease) in deposits | (170,999,000) | 199,087,000 | 172,482,000 | 288,254,000 |
| Increase (decrease) in Federal Home Loan Bank line of credit | (6,640,000) | (1,543,000) | (4,120,000) | 12,303,000 |
| Proceeds from Federal Home Loan Bank advances | 2,495,000,000 | 1,990,000,000 | 7,455,000,000 | 1,130,000,000 |
| Repayment of Federal Home Loan Bank advances | (2,355,000,000) | (2,050,000,000) | (7,395,000,000) | (1,085,000,000) |
| Repurchase or repayment of subordinated debt | (20,000,000) | — | (1,340,000) | — |
| Net proceeds from subordinated notes | — | — | — | 30,258,000 |
| Net increase (decrease) in advance payments by borrowers for taxes and insurance | — | — | (180,000) | (869,000) |
| Net decrease in advance payments by borrowers for taxes and insurance | — | (96,000) | — | — |
| Net increase (decrease) in advance payments by borrowers for taxes and insurance | 119,000 | — | — | — |
| Proceeds from exercise of stock options | 629,000 | 94,000 | 16,000 | — |
| Taxes paid on stock award shares for employees | — | — | (30,000) | (48,000) |
| Proceeds from issuance of common stock from treasury | 62,000 | 15,000 | — | — |
| Purchase of treasury shares | (382,000) | (79,000) | (2,625,000) | (4,745,000) |
| Dividends paid on common stock | (4,384,000) | (4,051,000) | (3,793,000) | (4,499,000) |
| Net Cash Provided By (Used In) Financing Activities | (61,595,000) | 133,427,000 | 220,410,000 | 365,654,000 |
| Net Increase (Decrease) in Cash and Cash Equivalents | (20,291,000) | 21,297,000 | (10,820,000) | 8,237,000 |
| Cash and cash equivalents at beginning of year | 52,142,000 | 30,845,000 | 41,665,000 | 33,428,000 |
| Cash and Cash Equivalents at End of Year | 31,851,000 | 52,142,000 | 30,845,000 | 41,665,000 |
| Supplemental Disclosures of Cash Flow Information: | ||||
| Interest | 70,557,000 | 59,468,000 | 34,031,000 | — |
| Income taxes (net of refunds received) | 2,888,000 | 8,141,000 | (116,000) | — |
| Non-cash activities: | ||||
| Net transfer from loans to loans held for sale | 87,229,000 | — | — | — |
| Transfers from loans to OREO | 649,000 | — | 474,000 | — |
| Cashless exercise of stock options | 286,000 | 40,000 | — | — |
As filed on EDGAR · Not affiliated with the U.S. SEC · Not investment advice. Each column links to its filing.