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FY2026
12 months to Jun 30, 2026
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FY2025
12 months to Jun 30, 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: | ||
| Provision for credit losses | ||
| Net amortization of premiums and discounts on securities | ||
| Depreciation and amortization | ||
| Increase in cash surrender value of bank owned life insurance | ||
| Amortization (accretion) of net deferred loan origination costs/fees | ||
| Losses on sale of securities available for sale, net | ||
| Gain on marketable equity securities, net | ||
| Contribution of stock to charitable foundation | ||
| Deferred tax provision (benefit) | ||
| Net change in: | ||
| Accrued interest receivable | ||
| Other assets | ||
| Accrued expenses and other liabilities | ||
| Net cash provided by operating activities | ||
| Cash flows from investing activities: | ||
| Activity in securities available for sale: | ||
| Maturities, calls and prepayments | ||
| Sales | ||
| Purchases | ||
| Activity in securities held to maturity: | ||
| Maturities, calls and prepayments | ||
| Purchases | ||
| Purchase of Federal Home Loan Bank stock | ||
| Loan originations, net of principal payments | ||
| Purchase of premises and equipment, net | ||
| Net cash used by investing activities | ||
| Cash flows from financing activities: | ||
| Net increase in deposits | ||
| Net change in short-term Federal Home Loan Bank advances | ||
| Proceeds from long-term Federal Home Loan Bank advances | ||
| Repayment of long-term Federal Home Loan Bank advances | ||
| Purchase of common shares by the ESOP | ||
| Contribution of cash to the MHC | ||
| Net increase in mortgagors' escrow accounts | ||
| Net cash provided by financing activities | ||
| Net change in cash and cash equivalents | ||
| Cash and cash equivalents at beginning of year | ||
| Cash and cash equivalents at end of year | ||
| Supplemental cash flow information: | ||
| Interest paid on deposits | ||
| Interest paid on Federal Home Loan Bank advances | ||
| Income taxes paid, net of (refunds) |
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