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FY2025
12 months to Dec 31, 2025
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|---|---|
| CASH FLOWS FROM OPERATING ACTIVITIES | |
| Net Income Loss | |
| Adjustments to reconcile net income to net cash provided by operating activities: | |
| Net amortization of investment securities | |
| Net amortization of deferred loan costs | |
| Provision for credit losses | |
| Recovery on previously impaired investment securities | |
| Gains on equity securities | |
| Gain on sale of securities available for sale | |
| Loss (gain) on disposal of premises and equipment | |
| Depreciation and amortization of premises and equipment | |
| Earnings on bank-owned life insurance | |
| Deferred income tax (benefit) expense | |
| ESOP shares committed to be released | |
| Stock based compensation expense | |
| (Increase) decrease in accrued interest receivable | |
| Decrease (increase) in other assets | |
| Increase (decrease) in other liabilities | |
| Increase in annuity asset | |
| Net Cash Provided by Operating Activities | |
| CASH FLOWS FROM INVESTING ACTIVITIES | |
| Activity in debt securities: Sales | |
| Activity in debt securities: Maturities, prepayments and calls | |
| Redemptions of Federal Home Loan Bank of New York Stock | |
| Loan principal collections, originations, and purchases, net | |
| Proceeds from claims on and surrender of bank-owned life insurance | |
| Purchase of bank-owned life insurance | |
| Proceeds from the sale of equity securities | |
| Proceeds from sale of foreclosed real estate | |
| (Additions) and sales of premises and equipment, net | |
| Net Cash (Used in) Provided by Investing Activities | |
| CASH FLOWS FROM FINANCING ACTIVITIES | |
| Net increase (decrease) in deposits | |
| Net decrease in advances from borrowers for taxes and insurance | |
| Repayment of long-term debt | |
| Repayment of finance lease obligation | |
| Repurchase of common stock | |
| Cash dividends paid | |
| Net Cash Provided by (Used in) Financing Activities | |
| Net Increase (Decrease) in Cash and Cash Equivalents | |
| CASH AND CASH EQUIVALENTS - BEGINNING | |
| CASH AND CASH EQUIVALENTS - ENDING | |
| SUPPLEMENTARY CASH FLOWS INFORMATION | |
| Interest paid | |
| Income taxes paid (U.S. Federal) | |
| Income taxes paid (NY State) | |
| SUPPLEMENTARY SCHEDULE OF NONCASH INVESTING AND FINANCING ACTIVITIES | |
| Unrealized gain (loss) on securities available for sale |
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