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FY2025
12 months to Dec 31, 2025
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|---|---|
| Cash flows from operating activities: | |
| Net (loss) income | |
| Adjustments to reconcile net (loss) income to net cash provided by operating activities: | |
| Depreciation and amortization of premises and equipment | |
| Credit loss expense - loans | |
| Credit loss reversal - off-balance sheet credit exposures | |
| Deferred income tax benefit | |
| Net loss on sale of securities available for sale | |
| Gain on sale of loans | |
| Net write down on premises and equipment no longer in use | |
| Net amortization of securities | |
| Proceeds from sale of loans | |
| Loans originated for sale | |
| Amortization of right of use assets | |
| Amortization of subordinated debt issuance costs | |
| Increase in cash surrender value of bank-owned life insurance | |
| Increase in income tax receivable | |
| Net change in accrued interest receivable | |
| ESOP expense | |
| Issuance of common shares donated to the Avidia Bank Charitable Foundation | |
| Other, net | |
| Net cash provided by operating activities | |
| Cash flows from investing activities: | |
| Securities available for sale | |
| Maturities, principal payments, calls and sales | |
| Purchases | |
| Securities held to maturity | |
| Maturities, principal payments, and calls | |
| Redemption of Federal Home Loan Bank stock | |
| Purchases of Federal Home Loan Bank stock | |
| Loan originations, net of principal payments | |
| Proceeds from sale of premises and equipment | |
| Purchases of premises and equipment | |
| Net cash used by investing activities | |
| Cash flows from financing activities: | |
| Net change in deposits | |
| Net proceeds from stock offering and issuance of common shares | |
| Purchase of common shares by the ESOP | |
| Proceeds from issuance of long-term Federal Home Loan Bank advances | |
| Net change in short-term Federal Home Loan Bank advances | |
| Repayment of long-term Federal Home Loan Bank advances | |
| Net cash provided by financing activities | |
| Net change in cash and cash equivalents | |
| Cash and due from banks at beginning of year | |
| Cash and due from banks at end of year | |
| Supplementary cash flow information: | |
| Interest paid on deposits and borrowed funds | |
| Income taxes paid, net of refunds | |
| Noncash transactions | |
| Lease liabilities arising from obtaining right-of-use assets |
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