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FY2025
12 months to Dec 31, 2025
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FY2024
12 months to Dec 31, 2024
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FY2023
12 months to Dec 31, 2023
|
FY2022
12 months to Dec 31, 2022
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FY2021
12 months to Dec 31, 2021
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|
|---|---|---|---|---|---|
| Cash flows from operating activities | |||||
| Net loss | |||||
| Adjustments to reconcile net income to net cash (used in) provided by operating activities: | |||||
| Depreciation and amortization of premises and equipment | |||||
| Change in right-of-use asset | |||||
| (Accretion) amortization of: | |||||
| Deferred loan fees, costs, premiums and discounts, net | |||||
| Premiums and discounts on securities, net | |||||
| Provision for (release of) credit losses | |||||
| Gain on sales and calls of securities, net | |||||
| Proceeds from sales of loans held for sale | |||||
| Gains on sale of loans, net | |||||
| Origination of loans held for sale | |||||
| Loss on premises and equipment | |||||
| Net gain on sale of real estate owned | |||||
| Increase in BOLI cash surrender value | |||||
| ESOP expense | |||||
| ESOP and stock-based compensation expense | |||||
| Increase in interest and dividends receivable | |||||
| (Increase) decrease in other assets | |||||
| (Decrease) increase in other liabilities | |||||
| Change in lease liability | |||||
| Net cash (used in) provided by operating activities | |||||
| Cash flows from investing activities | |||||
| Net payments of loans | |||||
| Purchases of mortgage and consumer loans | |||||
| Proceeds from sale of real estate owned | |||||
| Purchases of securities available-for-sale | |||||
| Purchases of securities held-to-maturity | |||||
| Proceeds from sales and calls of securities available-for-sale | |||||
| Principal payments and maturities on securities available-for-sale | |||||
| Principal payments and maturities on securities held to maturity | |||||
| Purchases of other investments | |||||
| Purchases of Federal Home Loan Bank stock | |||||
| Redemption of Federal Home Loan Bank stock | |||||
| Proceeds from bank owned life insurance | |||||
| Proceeds from sale of fixed assets | |||||
| Purchases of premises and equipment | |||||
| Net cash used in investing activities | |||||
| Cash flows from financing activities | |||||
| Net change in deposits | |||||
| Proceeds from advances from Federal Home Loan Bank | |||||
| Repayments of advances from Federal Home Loan Bank | |||||
| Net (increase) decrease in advances by borrowers for taxes and insurance | |||||
| Purchase of treasury stock | |||||
| Proceeds from options exercised | |||||
| Net cash provided by financing activities | |||||
| Net increase (decrease) in cash and cash equivalents | |||||
| Cash and cash equivalents at beginning of period | |||||
| Cash and cash equivalents at end of period | |||||
| Supplemental disclosures of cash flow information | |||||
| Cash paid during the period for: | |||||
| Interest | |||||
| Income taxes | |||||
| Supplemental noncash disclosures | |||||
| Transfers of loans to other real estate owned | |||||
| Lease liabilities arising from obtaining right-of-use assets | |||||
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