|
FY2025
12 months to Dec 31, 2025
|
FY2024
12 months to Dec 31, 2024
|
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|---|---|---|
| Cash flows from operating activities: | ||
| Net income (loss) | ||
| Adjustments to reconcile net income (loss) to net cash flows used in operating activities: | ||
| Provision for depreciation | ||
| Net amortization/(accretion) of discounts/premiums on securities | ||
| Provision for credit losses | ||
| Origination of loans held for sale | ||
| Proceeds from sales of loans held for sale | ||
| Net gain on sales of loans | ||
| Provision for (benefit from) deferred taxes | ||
| Net loss (gain) on sale and disposal of office properties and equipment | ||
| Net loss (gain) on sale of other real estate owned | ||
| Increase in cash surrender value of life insurance | ||
| ESOP expense | ||
| Changes in operating assets and liabilities: | ||
| Accrued interest receivable and other assets | ||
| Accrued interest payable and other liabilities | ||
| Total adjustments | ||
| Net cash flows used in operating activities | ||
| Cash flows from investing activities: | ||
| Proceeds from maturities of certificates of deposit | ||
| Proceeds from maturities and paydowns of securities available for sale | ||
| Proceeds from maturities and paydowns of securities held to maturity | ||
| Purchase of FHLB stock | ||
| Net decrease/(increase) in loans | ||
| Purchase of office properties and equipment | ||
| Proceeds from sale of office properties and equipment | ||
| Proceeds from sale of land held for sale | ||
| Proceeds from sale of other real estate owned | ||
| Net cash flows provided by (used in) investing activities | ||
| Cash flows from financing activities: | ||
| Net change in deposits | ||
| Net change in advance payments by borrowers for taxes and insurance | ||
| Proceeds from notes payable | ||
| Principal payments on notes payable | ||
| Net increase/(decrease) from FHLB short-term advances activity | ||
| Proceeds from FHLB long-term advances | ||
| Maturities and paydowns of FHLB long-term advances | ||
| Proceeds from issuance of common stock, net of costs | ||
| Loan to ESOP | ||
| Net cash flows provided by (used in) financing activities | ||
| Net change 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: | ||
| Cash paid during the period for: Interest | ||
| Cash paid during the period for: Taxes |
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