BLFY · As filed with the SEC
Blue Foundry Bancorp cash flow statement, by fiscal year
The statement as Blue Foundry Bancorp presents it in its 10-Q and 10-K: its own lines, labels and order. Tables over time lines up standardized figures across every filing.
Consolidated Statements of Cash Flows · USD thousands
| USD thousands | FY2025 Year ended Dec 31, 2025 | FY2024 Year ended Dec 31, 2024 | FY2023 Year ended Dec 31, 2023 | FY2022 Year ended Dec 31, 2022 |
|---|---|---|---|---|
| Cash flows from operating activities | ||||
| Net loss | (10,025) | (11,911) | (7,397) | 2,396 |
| Adjustments to reconcile net income to net cash (used in) provided by operating activities: | ||||
| Depreciation and amortization of premises and equipment | 2,952 | 3,126 | 2,870 | 2,662 |
| Change in right-of-use asset | 2,928 | 2,875 | 2,822 | 2,550 |
| (Accretion) amortization of: | ||||
| Deferred loan fees, costs, premiums and discounts, net | 149 | (168) | (598) | (655) |
| Premiums and discounts on securities, net | (622) | 725 | 1,044 | 1,065 |
| Change in deferred taxes, net of valuation allowance | — | — | — | 0 |
| Release of provision for loan losses | — | — | — | (1,001) |
| Provision for (release of) credit losses | 2,123 | (1,350) | (441) | — |
| Gain on sales and calls of securities, net | — | 0 | (20) | (14) |
| Proceeds from sales of loans held for sale | 0 | 486 | 5,479 | — |
| Gains on sale of loans, net | 0 | (36) | (231) | — |
| Origination of loans held for sale | 0 | (450) | (5,248) | — |
| Loss on premises and equipment | 0 | 3 | 13 | — |
| Net gain on sale of real estate owned | 0 | (123) | — | — |
| Increase in BOLI cash surrender value | (494) | (485) | (458) | (490) |
| Issuance of common shares donated to Blue Foundry Charitable Foundation | — | — | — | 0 |
| ESOP and stock-based compensation expense | — | — | — | 1,816 |
| ESOP and stock-based compensation expense | 3,992 | 4,057 | 3,774 | — |
| Increase in interest and dividends receivable | (1,275) | (419) | (702) | (1,521) |
| (Increase) decrease in other assets | (2,313) | 10,648 | (7,498) | (2,247) |
| (Decrease) increase in other liabilities | (2,532) | 867 | (2,892) | 590 |
| Change in lease liability | (2,899) | (2,782) | (2,635) | (2,372) |
| Net cash (used in) provided by operating activities | (8,016) | 5,063 | (12,118) | 2,779 |
| Cash flows from investing activities | ||||
| Net payments of loans | 76,997 | 6,910 | (8,854) | (152,847) |
| Purchases of mortgage and consumer loans | (184,246) | (29,539) | (6,804) | (104,040) |
| Proceeds from sale of real estate owned | 0 | 716 | — | 0 |
| Purchases of securities available-for-sale | (133,260) | (89,108) | (15,524) | (80,039) |
| Purchases of securities held-to-maturity | — | — | 0 | (10,600) |
| Proceeds from calls of securities held to maturity | — | — | — | 0 |
| Proceeds from sales and calls of securities available-for-sale | 110,720 | 0 | 11,674 | 4,659 |
| Principal payments and maturities on securities available-for-sale | 29,724 | 78,632 | 39,085 | 47,875 |
| Principal payments and maturities on securities held to maturity | 5,825 | — | — | — |
| Purchases of other investments | (225) | 150 | 0 | 150 |
| Purchases of Federal Home Loan Bank stock | (80,786) | (47,120) | (57,200) | (30,863) |
| Redemption of Federal Home Loan Bank stock | 82,508 | 49,793 | 52,875 | 25,133 |
| Proceeds from Assets held for sale | — | — | — | 0 |
| Proceeds from bank owned life insurance | — | 0 | 582 | — |
| Proceeds from sale of fixed assets | — | 0 | 38 | — |
| Purchases of premises and equipment | — | (140) | (5,571) | (5,364) |
| Purchases of premises and equipment | (296) | — | — | — |
| Net cash used in investing activities | (93,039) | (30,006) | 10,301 | (306,236) |
| Cash flows from financing activities | ||||
| Net change in deposits | 166,555 | 98,416 | (43,958) | 41,822 |
| Proceeds from advances from Federal Home Loan Bank | 1,787,000 | 1,006,000 | 2,292,000 | 1,423,000 |
| Repayments of advances from Federal Home Loan Bank | (1,825,500) | (1,064,000) | (2,205,000) | (1,298,000) |
| Net (increase) decrease in advances by borrowers for taxes and insurance | (112) | 427 | (373) | (280) |
| Purchase of treasury stock | (16,270) | (19,423) | (36,009) | (15,349) |
| Net proceeds from issuance of common shares | — | — | — | 0 |
| Proceeds from options exercised | 21 | — | — | — |
| Net cash provided by financing activities | 111,694 | 21,420 | 6,660 | 151,193 |
| Net increase (decrease) in cash and cash equivalents | 10,639 | (3,523) | 4,843 | (152,264) |
| Cash and cash equivalents at beginning of period | 42,502 | 46,025 | 41,182 | 193,446 |
| Cash and cash equivalents at end of period | 53,141 | 42,502 | 46,025 | 41,182 |
| Supplemental disclosures of cash flow information | ||||
| Cash paid during the period for: | ||||
| Interest | 47,118 | 48,042 | 36,314 | 10,714 |
| Income taxes | 116 | 136 | 96 | 190 |
| Supplemental noncash disclosures | ||||
| Transfers of loans to other real estate owned | — | — | 0 | 917 |
| Transfers of loans to other real estate owned | — | 0 | 593 | — |
| Lease liabilities arising from obtaining right-of-use assets | 1,163 | 1,173 | 2,088 | 2,999 |
| Purchase of common shares by the ESOP | — | — | — | 0 |
As filed on EDGAR · Not affiliated with the U.S. SEC · Not investment advice. Each column links to its filing.