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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
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|
|---|---|---|---|
| Cash flows from operating activities | |||
| Net income | |||
| Adjustments to reconcile net income to net cash provided by operating activities | |||
| Net accretion of discounts and premiums | |||
| Recovery of credit losses | |||
| Gain on sale of foreclosed real estate | |||
| Proceed payments received on foreclosed real estate | |||
| Amortization of deferred loan fees/costs | |||
| Amortization of intangible assets | |||
| Amortization of debt issuance costs | |||
| Write off fair market value of subordinated debt | |||
| Depreciation of premises and equipment | |||
| Loss on sale of assets | |||
| Deferred tax expense (benefit) | |||
| Increase in cash surrender value of life insurance | |||
| Stock-based compensation expense | |||
| ESOP compensation expense | |||
| Increase in accrued interest and other assets | |||
| Increase (decrease) increase in other liabilities | |||
| Net cash provided by operating activities | |||
| Cash flows from investing activities | |||
| Increase in equity trading account | |||
| Proceeds from maturities and principal payments of investment securities available for sale | |||
| Purchases of investment securities available for sale | |||
| Proceeds from maturities and principal payments of investment securities held to maturity | |||
| Net increase in loans | |||
| Purchase of premises and equipment | |||
| Proceeds from sale of premises and equipment | |||
| Proceeds from life insurance benefits | |||
| Purchase of participation foreclosed real estate | |||
| Proceeds from sale of foreclosed real estate | |||
| Proceeds from sale of Federal Home Loan Bank Stock | |||
| Purchase of Federal Home Loan Bank of Atlanta stock | |||
| Net cash used in investing activities | |||
| Cash flows provided by financing activities | |||
| (Decrease) increase in official checks | |||
| Net increase in deposits | |||
| Increase in advance payments by borrowers for taxes and insurance | |||
| Advances from the Federal Home Loan Bank of Atlanta | |||
| Repayments of advances from Federal Home Loan Bank of Atlanta | |||
| Repayments of subordinated debt | |||
| Purchase of unearned common stock held by employee stock ownreship plan | |||
| Proceeds from issuance of common stock | |||
| Repurchase of shares | |||
| Offering costs | |||
| Net cash (used in) 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 Cash Flow Information | |||
| Interest paid | |||
| Income taxes paid | |||
| Supplementary noncash transactions | |||
| Impact of ASC 326 adoption | |||
| Noncash investing and financing activities: | |||
| Net change on equity and available for sale securities | |||
| Net change on loans | |||
| Net change in foreclosed real estate | |||
| Transfers from property plant and equipment to other assets | |||
| Deferred tax assets | |||
| Net change in adjusted other comprehensive income |
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