|
FY2025
12 months to Sep 30, 2025
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FY2024
12 months to Sep 30, 2024
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FY2023
12 months to Sep 30, 2023
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FY2022
12 months to Sep 30, 2022
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FY2021
12 months to Sep 30, 2021
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|
|---|---|---|---|---|---|
| Operating activities | |||||
| Net income | |||||
| Adjustments to reconcile net income to net cash provided by operating activities: | |||||
| Depreciation expense | |||||
| (Discount) premium (accretion) amortization on investment securities, net | |||||
| Provision for credit losses | |||||
| Provision for loss on other real estate owned | |||||
| Originations of SBA loans held for sale | |||||
| Proceeds from the sales of SBA loans | |||||
| Gains on sale of SBA loans | |||||
| Gains on the sales of other real estate owned | |||||
| Gains on the sale of premises and equipment | |||||
| ESOP compensation expense | |||||
| Stock-based compensation expense | |||||
| Deferred income tax (benefit) expense | |||||
| Increase in accrued interest receivable | |||||
| Income on bank owned life insurance | |||||
| Decrease in other assets | |||||
| Increase in accrued interest payable | |||||
| Decrease in accounts payable and other liabilities | |||||
| Net cash provided by operating activities | |||||
| Investing activities | |||||
| Net increase in loans receivable | |||||
| Purchases of loans receivable | |||||
| Proceeds from the sale of loans receivable | |||||
| Purchases of investment securities held-to-maturity | |||||
| Purchases of investment securities available-for-sale | |||||
| Proceeds from maturities of investment securities held-to-maturity | |||||
| Principal repayments on investment securities held-to-maturity | |||||
| Principal repayments on investment securities available-for-sale | |||||
| Purchase of bank owned life insurance | |||||
| Redemption of bank owned life insurance | |||||
| Proceeds from the sale of premises and equipments | |||||
| Investment in other real estate owned | |||||
| Purchases of premises and equipment, net | |||||
| Proceeds from the sale of premises and land | |||||
| Proceeds from the sale of other real estate owned | |||||
| Purchase of Federal Home Loan Bank stock | |||||
| Redemption of Federal Home Loan Bank stock | |||||
| Net cash used in investing activities | |||||
| Financing activities | |||||
| Net increase in deposits | |||||
| Net (decrease) increase in escrowed funds | |||||
| Proceeds from long-term advances | |||||
| Repayments of long-term advances | |||||
| Cash dividends paid on common stock | |||||
| Dividends paid on common stock | |||||
| Purchase of treasury stock | |||||
| Net cash provided by financing activities | |||||
| Net (decrease) increase in cash and cash equivalents | |||||
| Net decrease in cash and cash equivalents | |||||
| Cash and cash equivalents, beginning of year | |||||
| Cash and cash equivalents, end of year | |||||
| Supplemental disclosures of cash flow information | |||||
| Cash paid for | |||||
| Interest | |||||
| Income taxes | |||||
| Non-cash operating activities | |||||
| Real estate acquired in full satisfaction of loans in foreclosure | |||||
| Adoption of ASU 2016-13 | |||||
| Change in fair value of swap asset/liability | |||||
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