← BayCom Corp

Annual Trend FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FY 2025
Net income $5.3m $14.5m $17.3m $13.7m $20.7m $27.0m $27.4m $23.6m $23.9m
Net Income From Continuing Operations — — — — — $23.7m $27.4m $23.6m $23.9m
Amortization (accretion) on acquired loans — — — — — ($375k) ($876k) $28k $239k
Amortization on junior subordinated debentures $40k $59k $81k $80k $251k $81k $81k $80k $1.0m
Amortization/accretion of premiums/discounts on investment securities, net $369k $441k $507k $689k $499k $592k $340k $35k $136k
Depreciation and amortization $762k $935k $1.2m $1.9m $2.0m $2.0m $1.7m $2.0m $2.0m
Core deposit intangible amortization $850k $1.2m $1.6m $1.8m $1.8m $2.0m $1.3m $1.2m $948k
Amortization Cash Flow — — — — — $2.0m $1.3m $1.2m $948k
Amortization Of Intangibles — — — — — $2.0m $1.3m $1.2m $948k
Depreciation Amortization Depletion — — — — — $4.0m $3.0m $3.3m $3.0m
Deferred tax (benefit) expense $3.5m $740k $1.4m ($2.5m) $117k ($396k) $1k $801k ($503k)
Deferred Income Tax — — — — — ($1.7m) $1k $801k ($503k)
Deferred Tax — — — — — ($1.7m) $1k $801k ($503k)
Interest expense $4.2m $4.9m $7.5m $9.2m $9.0m $10.2m $27.0m $40.6m $40.6m
Provision for credit losses — — — — $466k $4.4m $2.0m $1.3m $4.1m
Gain on sale of loans ($2.2m) ($2.1m) ($3.0m) ($1.8m) ($4.8m) ($2.7m) ($508k) ($287k) ($268k)
Proceeds from sale of loans originated for sale $24.8m $29.0m $38.4m $24.0m $45.8m $42.5m $9.6m $4.7m $4.7m
Loans originated for sale ($25.6m) ($37.8m) ($52.5m) ($32.6m) ($54.6m) ($34.0m) ($7.2m) ($3.6m) ($3.6m)
Loss on sale of OREO ($252k) ($70k) ($112k) ($86k) ($15k) — $21k — —
Loss (gain) on equity securities — — — — $0 $4.6m $1.1m ($463k) $230k
Stock based compensation expense $423k $1.2m $1.2m $1.5m $1.4m $1.0m $726k $588k $653k
Decrease in deferred loan origination fees, net $158k ($103k) $85k $3.4m ($1.9m) ($1.8m) ($138k) ($93k) ($495k)
Net change in interest receivable and other assets $990k ($848k) ($12.0m) ($1.2m) ($2.6m) ($2.3m) $1.8m $2.5m $3.7m
Increase in salary continuation plan, net $126k ($708k) $320k $351k $384k $447k ($288k) $185k $385k
Net change in interest payable and other liabilities $2.8m $625k $15.4m ($3.6m) $2.8m $3.4m ($5.6m) ($1.6m) ($4.6m)
Proceeds from maturities of interest bearing deposits in banks $2.5m $1.5m $2.2m $10.1m $4.1m $1.3m $996k $996k $249k
Purchase of FHLB stock $319k ($236k) ($236k) ($398k) ($648k) — ($634k) — ($211k)
Redemption (purchase) of FRB stock $1.6m $921k — — — — ($24k) ($19k) $1.9m
Purchase of loans — — — — — ($14.0m) ($17.7m) ($86.1m) ($31.0m)
(Increase) decrease in loans, net — $4.3m ($48.5m) ($82.2m) ($2.9m) $53.8m $95.9m $46.3m ($85.4m)
Purchase of equipment and leasehold improvements, net $368k ($1.0m) ($1.4m) ($3.2m) ($1.3m) ($843k) ($2.1m) ($1.7m) ($1.7m)
(Decrease) increase in noninterest and interest bearing deposits in banks, net $7.8m $69.1m $13.4m $111.2m $31.5m ($31.0m) ($136.6m) $22.1m ($31.1m)
Increase in time deposits, net $23.5m ($51.2m) ($38.6m) ($92.2m) $115.3m ($245.5m) $183.9m $79.2m $10.8m
Change in unrealized gain on AFS securities, net of tax $89k ($316k) $1.4m $1.4m ($531k) ($17.0m) ($3.0m) $1.6m $6.4m
Transfer of loans to held-for-sale — — — — — — — $2.2m $2.0m
Recognition of ROU assets in exchange for lease obligations — — — — — $3.3m $644k $3.2m $2.7m
Beginning Cash Position — — — — — $379.7m $176.8m $307.5m $364.0m
Cash Flow From Continuing Financing Activities — — — — — ($296.4m) $19.5m $88.3m ($98.6m)
Cash Flow From Continuing Investing Activities — — — — — $53.9m $80.4m ($62.2m) ($90.8m)
Change In Account Payable — — — — — $3.4m ($5.6m) ($1.6m) ($4.6m)
Change In Other Current Liabilities — — — — $384k $447k — — —
Change In Other Working Capital — — — — — ($156k) ($962k) ($539k) ($377k)
Change In Payable — — — — — $3.4m ($5.6m) ($1.6m) ($4.6m)
Change In Payables And Accrued Expense — — — — — $3.4m ($5.6m) ($1.6m) ($4.6m)
Change In Receivables — — — — — ($2.3m) $1.8m $2.5m $3.7m
Change In Working Capital — — — — — ($905k) ($4.9m) $276k ($1.9m)
Changes In Account Receivables — — — — — ($2.3m) $1.8m $2.5m $3.7m
Changes In Cash — — — — — ($202.9m) $130.7m $56.5m ($157.5m)
End Cash Position — — — — — $176.8m $307.5m $364.0m $206.5m
Financing Cash Flow — — — — — ($296.4m) $19.5m $88.3m ($98.6m)
Free Cash Flow — — — — — $38.8m $28.7m $28.7m $30.1m
Gain Loss On Investment Securities — — — — — $4.6m $1.1m ($463k) $230k
Gain Loss On Sale Of PPE — — — — ($12k) $0 $0 — —
Investing Cash Flow — — — — — $53.9m $80.4m ($62.2m) ($90.8m)
Net Business Purchase And Sale — — — — $0 $18.4m $0 $0 —
Net PPE Purchase And Sale — — — — — ($843k) ($2.1m) ($1.7m) ($1.7m)
Operating Gains Losses — — — — — $1.8m $654k ($784k) ($38k)
Other Non Cash Items — — — — — $6.6m $1.6m $1.3m $2.5m
Purchase Of PPE — — — — — ($843k) ($2.1m) ($1.7m) ($1.7m)
Repurchase Of Capital Stock — — — — — ($18.0m) ($24.1m) ($9.2m) ($6.9m)
Sale Of Business — — — — $0 $18.4m $0 $0 —
Sale Of PPE — — — — $46k $0 $0 — —
Stock Based Compensation — — — — — $1.0m $726k $588k $653k
Net cash provided by operating activities $9.3m $6.2m $7.0m $10.0m $10.4m $39.6m $30.8m $30.4m $31.8m
Purchase of investment securities AFS — ($41.4m) ($16.9m) ($21.2m) ($91.0m) ($28.9m) ($25.3m) ($49.9m) ($15.6m)
Net Investment Properties Purchase And Sale — — — — $422k $0 $0 — —
Net Investment Purchase And Sale — — — — — ($17.8m) ($13.7m) ($28.0m) $23.0m
Purchase Of Investment — — — — — ($28.9m) ($25.3m) ($49.9m) ($15.6m)
Proceeds from maturities, repayments and calls of investment securities AFS — $5.1m $12.7m $31.2m $28.0m $11.1m $11.6m $21.9m $38.6m
Proceeds from sale of loans held for investment — — — — — — — $6.3m $2.4m
Sale Of Investment — — — — — $11.1m $11.6m $21.9m $38.6m
Sale Of Investment Properties — — — — $422k $0 $0 — —
Net Other Investing Changes — — — — — ($1.0m) ($658k) ($19k) $1.7m
Net cash (used in) provided by investing activities $90.4m ($11.3m) $927k ($73.7m) ($60.4m) $53.9m $80.4m ($62.2m) ($90.8m)
Issuance Of Debt — — — — $0 $0 — — —
Long Term Debt Issuance — — — — $0 $0 — — —
Net Issuance Payments Of Debt — — — — — $0 $0 ($315k) ($64.7m)
Net Long Term Debt Issuance — — — — — $0 $0 ($315k) ($64.7m)
Gain on repayment of subordinated debt, net — — — — — — — ($34k) —
Repayment of subordinated debt — — — ($1.6m) — — — ($315k) ($64.7m)
Long Term Debt Payments — — — — — $0 $0 ($315k) ($64.7m)
Repayment Of Debt — — — — — $0 $0 ($315k) ($64.7m)
Net Common Stock Issuance — — — — — ($18.0m) ($24.1m) ($9.2m) ($6.9m)
Repurchase of common stock ($24k) $0 ($11.0m) ($18.3m) ($11.6m) ($18.0m) ($24.1m) ($9.2m) ($6.9m)
Common Stock Payments — — — — — ($18.0m) ($24.1m) ($9.2m) ($6.9m)
Dividends paid on common stock — — — — — ($2.0m) ($3.6m) ($3.4m) ($6.6m)
Cash dividends declared on common stock not yet paid — — — — — ($644k) ($1.2m) ($1.7m) ($3.3m)
Cash Dividends Paid — — — — — ($2.0m) ($3.6m) ($3.4m) ($6.6m)
Common Stock Dividend Paid — — — — — ($2.0m) ($3.6m) ($3.4m) ($6.6m)
Net cash (used in) provided by financing activities $21.4m $78.7m ($36.1m) $67.6m $130.3m ($296.4m) $19.5m $88.3m ($98.6m)
Increase in cash surrender value of life insurance policies ($231k) ($301k) ($642k) ($666k) ($680k) ($603k) ($674k) ($724k) ($762k)
Decrease in cash and cash equivalents $121.2m $73.7m ($28.2m) $3.9m $80.4m ($202.9m) $130.7m $56.5m ($157.5m)
Cash and cash equivalents at beginning of period $128.7m $249.9m $323.6m $299.3m $379.7m $176.8m $307.5m $364.0m $206.5m
Change In Cash Supplemental As Reported — — — — — ($202.9m) $130.7m $56.5m ($157.5m)
Interest Paid Supplemental Data — — — — — $10.2m $27.0m $40.6m $40.6m
Income taxes paid, net — $5.4m $5.1m $8.1m $7.1m $7.6m $12.2m $6.5m $8.5m

Data sourced from SEC EDGAR 10-K filings via EdgarTools. Amounts are shown in USD as reported in each fiscal year filing.