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FY2025
12 months to Dec 31, 2025
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|
|---|---|
| Operating Activities | |
| Net income | |
| Adjustments to reconcile net income to net cash provided by operating activities: | |
| Depreciation | |
| Amortization of premiums and discounts | |
| Accretion of deferred loan origination fees, net | |
| Amortization of mortgage servicing rights | |
| Deferred income taxes | |
| Provision for credit losses | |
| Gain on sale of loans | |
| Proceeds from sale of loans | |
| Origination of loans held for sale | |
| Increase in cash surrender value of life insurance | |
| Loss on sale of available-for-sale securities | |
| Gain on sale of foreclosed assets | |
| ESOP compensation expense | |
| Changes in: | |
| Accrued interest receivable | |
| Other assets | |
| Accrued expenses and other liabilities | |
| Net cash provided by operating activities | |
| Investing Activities | |
| Proceeds from maturities of held-to-maturity securities | |
| Purchase of available-for-sale securities | |
| Proceeds from sales of available-for-sale securities | |
| Proceeds from paydowns of mortgage-backed securities | |
| Proceeds from calls and maturities of available-for-sale securities | |
| Net change in loans | |
| Purchase of FHLB stock | |
| Proceeds from sale of foreclosed assets | |
| Purchase of premises and equipment | |
| Net cash used in investing activities | |
| Financing Activities | |
| Net (decrease) increase in deposit accounts | |
| Proceeds from FHLB advances | |
| Net change in advances by borrowers for taxes and insurance | |
| Stock offering costs, net | |
| Purchase of ESOP shares | |
| Net cash provided by financing activities | |
| Increase in Cash and Cash Equivalents | |
| Cash and Cash Equivalents, Beginning of Year | |
| Cash and Cash Equivalents, End of Year | |
| Supplemental Disclosure of Cash Flow Information | |
| Interest on deposits and borrowings | |
| State income taxes | |
| Supplemental Disclosure of Noncash Investing Activities | |
| Transfers from loans to real estate acquired through foreclosure |
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