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FY2025
12 months to Dec 31, 2025
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|---|---|
| CASH FLOWS FROM OPERATING ACTIVITIES: | |
| Net income | |
| Adjustments to reconcile net income to net cash flow from operating activities: | |
| Depreciation and amortization | |
| Provision for credit losses | |
| Net amortization of premiums and discounts on securities | |
| Gain on sale of residential mortgage loans | |
| Proceeds from sale of residential mortgage loans | |
| Loans originated and sold | |
| Deferred income tax (benefit) expense | |
| Amortization of deferred loan fees | |
| ESOP compensation expense | |
| Stock based compensation expense | |
| Earnings on investment in bank owned life insurance | |
| Net change in accrued interest receivable | |
| Net change in other assets | |
| Change in pension assets | |
| Net change in other liabilities | |
| Net cash flow provided by operating activities | |
| CASH FLOWS FROM INVESTING ACTIVITIES: | |
| Activity in securities available-for-sale: | |
| Proceeds from calls and maturities | |
| Principal repayments | |
| Purchases | |
| Purchase of annuity contract | |
| Purchase of Federal Home Loan Bank of New York stock | |
| Redemption of Federal Home Loan Bank of New York stock | |
| Purchase of Federal Reserve Bank stock | |
| Redemption of Federal Reserve Bank stock | |
| Loan originations and principal collections, net | |
| Purchases of premises and equipment | |
| Net cash flow used in investing activities | |
| CASH FLOWS FROM FINANCING ACTIVITIES: | |
| Increase in deposits | |
| Change in advances from borrowers for taxes and insurance | |
| Payments on acquisition contingent consideration | |
| Repayment of long-term FHLB advances | |
| Proceeds from long-term FHLB advances | |
| Net proceeds from stock offering and conversion | |
| Issuance and exchange of common stock | |
| Purchase of ESOP shares | |
| Net cash flow provided by financing activities | |
| Net change in cash and cash equivalents | |
| CASH AND CASH EQUIVALENTS - beginning of the period | |
| CASH AND CASH EQUIVALENTS - end of the period | |
| SUPPLEMENTAL CASH FLOW INFORMATION | |
| Cash paid for: | |
| Interest on deposits and borrowed funds | |
| Income taxes |
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