UBFO · As filed with the SEC

United Security Bancshares cash flow statement, by quarter

The statement as United Security Bancshares 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 thousands

USD thousands	Q4 2025^† 3 months ended Dec 31, 2025	Q3 2025^† 3 months ended Sep 30, 2025	Q2 2025^† 3 months ended Jun 30, 2025	Q1 2025 3 months ended Mar 31, 2025	Q4 2024^† 3 months ended Dec 31, 2024	Q3 2024^† 3 months ended Sep 30, 2024	Q2 2024^† 3 months ended Jun 30, 2024	Q1 2024 3 months ended Mar 31, 2024
Cash Flows From Operating Activities:
Net Income	3,414^†	4,023^†	2,169^†	2,682	2,496^†	3,829^†	4,297^†	4,161
Adjustments to reconcile net income to cash provided by operating activities:
Provision for credit losses	468^†	948^†	1,858^†	2,300	1,213^†	1,558^†	19^†	173
Depreciation and amortization	373^†	350^†	359^†	376	374^†	383^†	363^†	349
Amortization of operating lease right-of-use assets	220^†	215^†	195^†	199	161^†	122^†	186^†	177
Amortization of premium/discount on investment securities, net	83^†	96^†	90^†	102	88^†	112^†	104^†	113
Operating lease payments	—	—	—	—	—	—	(186)^†	(182)
Operating lease payments	(146)^†	(213)^†	(196)^†	(200)	(159)^†	(123)^†	(186)^†	—
Decrease (increase) in accrued interest receivable	314^†	455^†	591^†	(416)	189^†	(257)^†	398^†	(506)
(Decrease) increase in accrued interest payable	(82)^†	34^†	41^†	(5)	(5)^†	(5)^†	(5)^†	19
Decrease in unearned fees and unamortized loan origination costs, net	120^†	31^†	(38)^†	206	311^†	(86)^†	43^†	215
(Increase) decrease in income taxes receivable	(638)^†	0^†	0^†	128	418^†	(546)^†	0^†	1,400
Stock-based compensation expense and tax benefit	308^†	202^†	259^†	200	236^†	103^†	146^†	207
Provision (benefit) for deferred income taxes	494^†	0^†	0^†	(210)	(472)^†	0^†	0^†	0
Increase (decrease) in accounts payable and accrued liabilities	(700)^†	817^†	(736)^†	1,026	(227)^†	1,143^†	(2,450)^†	1,166
(Gain) loss on marketable equity securities	(7)^†	(42)^†	(4)^†	(53)	298^†	(224)^†	(3)^†	(43)
Loss on fair value option of junior subordinated debentures	49^†	—	—	—	755^†	—	—	—
Gain on partial redemption of junior subordinated debentures	(240)^†	—	—	—	0^†	—	—	—
Gain on calls of investment securities	0^†	0^†	—	—	0^†	0^†	—	—
Gain on proceeds from bank-owned life insurance	0^†	0^†	—	—	0^†	0^†	—	—
Increase in cash surrender value of bank-owned life insurance	(161)^†	(136)^†	(132)^†	(132)	(152)^†	(132)^†	(130)^†	(137)
Loss on fair value option of junior subordinated debentures	—	—	318^†	(270)	755^†	(661)^†	226^†	294
Loss (gain) on sale of assets	3^†	—	—	—	0^†	—	—	—
Net decrease (increase) in other assets	(576)^†	381^†	3,945^†	(2,915)	(1,011)^†	154^†	(131)^†	42
Net cash provided by operating activities	3,369^†	6,967^†	8,702^†	3,018	4,513^†	5,370^†	2,304^†	7,448
Cash Flows From Investing Activities:
Purchases of FHLB stock, FRB stock, and other securities	(6)^†	(8)^†	(6)^†	(7)	(4)^†	(4)^†	(6)^†	(2)
Maturities and calls of available-for-sale securities	5,415^†	0^†	9,000^†	0	0^†	2,109^†	0^†	13,500
Principal payments on available-for-sale securities	(2,965)^†	8,107^†	2,613^†	2,713	2,782^†	1,256^†	3,155^†	1,418
Net decrease (increase) in loans	—	—	—	1,574	—	—	—	—
Net decrease (increase) in loans	—	(11,688)^†	—	—	45,021^†	(26,285)^†	(20,395)^†	(9,875)
Proceeds from bank-owned life insurance	0^†	0^†	—	—	12^†	(12)^†	—	—
Capital expenditures of premises and equipment	(741)^†	(836)^†	(583)^†	(121)	(196)^†	(103)^†	(285)^†	(455)
Investment in limited partnerships	0^†	0^†	0^†	0	(375)^†	(500)^†	0^†	(200)
Net cash provided by investing activities	43,033^†	(4,425)^†	(16,851)^†	4,159	47,240^†	(23,539)^†	(15,134)^†	4,386
Cash Flows From Financing Activities:
Increase in demand deposit and savings accounts	12,289^†	21,167^†	26,897^†	(27,617)	(3,709)^†	50,680^†	49,165^†	(49,498)
Net (decrease) increase in time deposits	591^†	(936)^†	2,559^†	(3,793)	(3,688)^†	7,726^†	1,515^†	955
Partial redemption of junior subordinated debentures	(3,000)^†	—	—	—	0^†	—	—	—
Net decrease is short-term borrowings	0^†	0^†	(8,000)^†	8,000	(34,000)^†	(29,000)^†	(40,000)^†	41,000
Proceeds from exercise of stock options	—	—	—	—	0^†	0^†	—	—
Dividends on common stock	(2,094)^†	(2,097)^†	(2,110)^†	(2,084)	(2,060)^†	(2,079)^†	(2,097)^†	(2,071)
Net cash provided by (used in) financing activities	7,786^†	15,134^†	19,346^†	(25,494)	(43,457)^†	27,327^†	8,583^†	(9,614)
Net increase in cash and cash equivalents	54,188^†	17,676^†	11,197^†	(18,317)	8,296^†	9,158^†	(4,247)^†	2,220
Cash and cash equivalents at beginning of year	66,767	49,091	37,894	56,211	47,915	38,757	43,004	40,784
Cash and cash equivalents at end of year	120,955	66,767	49,091	37,894	56,211	47,915	38,757	43,004

† Derived: worked out from the filings, not stated in them. A fourth quarter is the 10-K year less the nine months in the third-quarter 10-Q; a quarter of cash flows is year to date less the prior year to date.

As filed on EDGAR · Not affiliated with the U.S. SEC · Not investment advice. Each column links to its filing.