CFSB · As filed with the SEC
CFSB Bancorp cash flow statement, by fiscal year
The statement as CFSB 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
| USD | FY2025 Year ended Jun 30, 2025 | FY2024 Year ended Jun 30, 2024 | FY2023 Year ended Jun 30, 2023 | FY2022 Year ended Jun 30, 2022 | FY2021 Year ended Jun 30, 2021 |
|---|---|---|---|---|---|
| Cash flows from operating activities | |||||
| Net Income | (265,000) | 33,000 | 1,446,000 | 442,000 | 1,392,000 |
| Provision for (reversal of) credit losses | — | (322,000) | 0 | 26,000 | 60,000 |
| Gain on sale and call odf securities | — | — | 0 | (56,000) | 0 |
| Provision for (reversal of) credit losses | 46,000 | — | — | — | — |
| Amortization of securities, net | 170,000 | 327,000 | 437,000 | 581,000 | 444,000 |
| Increase in cash surrender value of bank-owned life insurance | — | — | — | (259,000) | (235,000) |
| Contribution of stock to the Colonial Federal Savings Bank Charitable Foundation | — | — | 0 | 1,303,000 | 0 |
| Net change in deferred loan costs and fees | (26,000) | 36,000 | 2,000 | — | — |
| Increase in cash surrender value of bank-owned life insurance | (286,000) | (268,000) | (258,000) | — | — |
| Deferred income tax expense | (46,000) | (80,000) | 2,000 | (407,000) | 63,000 |
| Depreciation and amortization, net | 223,000 | 238,000 | 235,000 | 255,000 | 270,000 |
| ESOP expense | 81,000 | 69,000 | 87,000 | 51,000 | 0 |
| Stock-based compensation | 358,000 | 358,000 | 109,000 | — | — |
| Net increase in accrued interest receivable | (53,000) | (35,000) | (98,000) | (119,000) | (28,000) |
| Other, net | 263,000 | 48,000 | 91,000 | 67,000 | 49,000 |
| Net cash provided by operating activities | 465,000 | 404,000 | 2,053,000 | 1,884,000 | 2,015,000 |
| Cash flows from investing activities: | |||||
| Maturities of certificates of deposit | — | — | 0 | 980,000 | 0 |
| Activity in securities available for sale: | |||||
| Maturities, prepayments and calls | 24,000 | 37,000 | 48,000 | 89,000 | 103,000 |
| Purchases | — | — | — | 0 | (1,982,000) |
| Sales | — | — | 0 | 2,031,000 | 0 |
| Activity in securities held to maturity: | |||||
| Maturities, prepayments and calls | 16,760,000 | 17,132,000 | 13,668,000 | 22,246,000 | 25,848,000 |
| Purchases | (15,743,000) | (16,700,000) | (16,768,000) | (62,944,000) | (39,341,000) |
| Purchases of Federal Home Loan Bank of Boston stock | 0 | (323,000) | (190,000) | — | — |
| Redemption of Federal Home Loan Bank Stock | — | — | — | 262,000 | 213,000 |
| Loan originations and payments, net | (6,744,000) | 5,628,000 | (3,320,000) | 1,814,000 | 12,346,000 |
| Additions to premises and equipment | (4,000) | (71,000) | (314,000) | (130,000) | (213,000) |
| Purchase of bank-owned life insurance | — | — | 0 | (635,000) | 0 |
| Net cash (used in) provided by investing activities | (5,707,000) | 5,703,000 | (6,876,000) | (36,287,000) | (3,026,000) |
| Cash flows from financing activities: | |||||
| Net increase in deposits | 3,334,000 | 7,465,000 | (23,699,000) | 2,401,000 | 7,166,000 |
| Treasury stock purchased | (495,000) | (78,000) | — | — | — |
| Net change in short-term borrowings | 0 | (3,675,000) | 3,675,000 | (918,000) | 491,000 |
| Proceeds from sale of common stock, net | — | — | 0 | 26,482,000 | 0 |
| Repayments of long-term debt | — | — | — | 0 | (3,294,000) |
| Common stock purchased by ESOP | — | — | 0 | (2,556,000) | 0 |
| Net change in long-term borrowings | 0 | 10,350,000 | — | — | — |
| Net change in mortgagors' escrow accounts | 109,000 | (71,000) | 41,000 | (17,000) | (38,000) |
| Net cash provided by financing activities | 2,948,000 | 13,991,000 | (19,983,000) | 25,392,000 | 4,325,000 |
| Net change in cash and cash equivalents | (2,294,000) | 20,098,000 | (24,806,000) | (9,011,000) | 3,314,000 |
| Cash and cash equivalents at beginning of period | 26,959,000 | 6,861,000 | 31,667,000 | 40,678,000 | 37,364,000 |
| Cash and cash equivalents at end of period | 24,665,000 | 26,959,000 | 6,861,000 | 31,667,000 | 40,678,000 |
| Supplemental information: | |||||
| Interest paid on deposits and short term borrowings | 6,145,000 | 4,898,000 | 1,926,000 | 1,020,000 | 2,082,000 |
| Income taxes paid | 43,000 | 85,000 | 540,000 | 381,000 | 152,000 |
| Adoption of ASU 2016-02 | — | 0 | 1,044,000 | — | — |
| Adoption of ASU 2016-13 | 0 | 223,000 | — | — | — |
As filed on EDGAR · Not affiliated with the U.S. SEC · Not investment advice. Each column links to its filing.