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FY2025
12 months to Dec 31, 2025
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|
|---|---|
| Net cash flows from operating activities: | |
| Net Income (loss) | |
| Adjustments to reconcile net income (loss) to net cash from operating activities: | |
| Depreciation | |
| Accretion of premiums and discounts | |
| Provision for credit losses | |
| Amortization of core deposit intangible | |
| Accretion of Loan credit and yield adjustment | |
| Gain on sale of REO | |
| Increase in cash surrender value of BOLI | |
| ESOP compensation expense | |
| Change in other assets | |
| Change in accrued interest receivable | |
| Deferred income tax benefit | |
| Contribution to charitable foundation | |
| Change in accounts payable and accrued expenses | |
| Net cash flows from operating activities | |
| Net cash flows from investing activities: | |
| Redemption from BOLI | |
| Merger of wholly owned subsidiaries | |
| Proceeds from maturities of certificates of deposit | |
| Purchase of certificates of deposit | |
| Proceeds from repayment of available-for-sale securities | |
| Repayment of held-to-maturity securities | |
| Change in loans receivable | |
| Proceeds from sale of REO | |
| Purchase of premises and equipment | |
| Net cash flows from investing activities | |
| Net cash flows from financing activities: | |
| Change in deposit accounts | |
| Change in advances from borrowers for taxes and insurance | |
| Proceeds from stock offering | |
| Purchase of ESOP shares | |
| Net cash flows from financing activities | |
| Net change in cash and cash equivalents | |
| Cash and cash equivalents: | |
| Beginning of the year | |
| End of the year | |
| Supplemental cash flow information: | |
| Cash paid during the year for Interest | |
| Premises and Equipment transferred to ORE |
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