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FY2026
12 months to Mar 31, 2026
|
FY2025
12 months to Mar 31, 2025
|
FY2024
12 months to Mar 31, 2024
|
|
|---|---|---|---|
| Cash flows from operating activities | |||
| Net income | |||
| Adjustments to reconcile net income to net cash provided by operating activities: | |||
| Depreciation and amortization | |||
| Net gain on sale of loans | |||
| Amortization of premium and accretion of discount on securities, net | |||
| Disposal of premises and equipment | |||
| Deferred income tax expense | |||
| Provision for credit losses | |||
| Origination of loans held for sale | |||
| Proceeds from sales of loans held for sale | |||
| Contributions to pension plan | |||
| ESOP expense | |||
| Stock based compensation | |||
| Change in assets and liabilities: | |||
| Accrued interest receivable | |||
| Mortgage servicing rights | |||
| Other assets | |||
| Accrued interest payable | |||
| Accounts payable, accrued expenses and other liabilities | |||
| Net cash provided by operating activities | |||
| Cash flows from investing activities | |||
| Net change in loans | |||
| Purchase of investment securities available for sale | |||
| Principal paydowns from investment securities available for sale | |||
| Principal paydowns from investment securities held to maturity | |||
| Purchase of FHLB stock | |||
| Purchase of premises and equipment | |||
| Net cash used in investing activities | |||
| Cash flows from financing activities | |||
| Net change in deposits | |||
| Net change in advances from borrowers for taxes and insurance | |||
| Proceeds from issuance of common stock, net of costs | |||
| Repurchase of common stock | |||
| Loan to ESOP | |||
| Net cash (used in) provided by financing activities | |||
| Net (decrease) increase in cash and cash equivalents | |||
| Cash and cash equivalents - beginning of period | |||
| Cash and cash equivalents - end of period | |||
| Supplemental disclosures of cash flow information: | |||
| Cash paid for taxes | |||
| Cash paid for taxes - federal | |||
| Cash paid for taxes - state | |||
| Cash paid for interest | |||
| Transfer of loan into other real estate owned |
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