|
FY2026
12 months to Mar 31, 2026
|
FY2025
12 months to Mar 31, 2025
|
|
|---|---|---|
| Operating Activities | ||
| Net loss | ||
| Items not requiring (providing) cash: | ||
| Depreciation and amortization | ||
| Amortization of premiums and discounts | ||
| Accretion of deferred loan fees | ||
| Benefit for deferred income taxes | ||
| (Recovery of) provision for credit losses | ||
| Increase in cash surrender value of bank owned life insurance | ||
| Stock awards and options compensation expense | ||
| Release of ESOP shares | ||
| Loss on sale of available-for-sale securities | ||
| Changes in: | ||
| Accrued interest receivable | ||
| Other assets | ||
| Accrued interest payable and other liabilities | ||
| Net cash used in operating activities | ||
| Investing Activities | ||
| Proceeds from calls, maturities and paydowns of available-for-sale securities | ||
| Proceeds from sales of available-for-sale securities | ||
| Net change in loans | ||
| Purchase of premises and equipment | ||
| Purchase of restricted stock | ||
| Proceeds from redemption of restricted stock | ||
| Net cash provided by investing activities | ||
| Financing Activities | ||
| Net increase (decrease) in deposit accounts | ||
| Proceeds from Federal Home Loan Bank advances | ||
| Repayment of Federal Home Loan Bank advances | ||
| Increase (decrease) in advances from borrowers for taxes and insurance | ||
| Gross proceeds from stock offering | ||
| Purchase of treasury stock (deferred compensation plans) | ||
| Net cash used in financing activities | ||
| Decrease in Cash and Cash Equivalents | ||
| Cash and Cash Equivalents, Beginning of Period | ||
| Cash and Cash Equivalents, End of Period | ||
| Supplemental Disclosure of Cash Flow Information | ||
| Cash paid (refunded) during the period for: | ||
| Interest on deposits and borrowings | ||
| Income taxes refunded |
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