BLFY: the cash flow

Cash Flow Overview

Change in Cash

$10,639K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-12-31

Net loss

-10,025

Depreciation and amortization of premises and equipment

2,952

Change in right-of-use asset

-2,928

Deferred loan fees, costs, premiums and discounts, net

-149

Premiums and discounts on securities, net

622

Provision for (release of) credit losses

2,123

Proceeds from sales of loans held for sale

Gains on sale of loans, net

Origination of loans held for sale

Loss on premises and equipment

Net gain on sale of real estate owned

Increase in boli cash surrender value

494

Esop and stock-based compensation expense

3,992

Increase in interest and dividends receivable

1,275

(increase) decrease in other assets

2,313

(decrease) increase in other liabilities

-2,532

Change in lease liability

-2,899

Net cash (used in) provided by operating activities

-8,016

Net payments of loans

-76,997

Purchases of mortgage and consumer loans

184,246

Proceeds from sale of real estate owned

Purchases of securities available-for-sale

133,260

Proceeds from sales and calls of securities available-for-sale

110,720

Principal payments and maturities on securities available-for-sale

29,724

Principal payments and maturities on securities held to maturity

5,825

Purchases of other investments

225

Purchases of federal home loan bank stock

80,786

Redemption of federal home loan bank stock

82,508

Purchases of premises and equipment

296

Net cash used in investing activities

-93,039

Net change in deposits

166,555

Proceeds from advances from federal home loan bank

1,787,000

Repayments of advances from federal home loan bank

1,825,500

Net (increase) decrease in advances by borrowers for taxes and insurance

-112

Purchase of treasury stock

16,270

Proceeds from options exercised

Net cash provided by financing activities

111,694

Net increase (decrease) in cash and cash equivalents

10,639

Cash and cash equivalents at beginning of period

42,502

Cash and cash equivalents at end of period

53,141

Time Plot

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