For the quarter ending 2025-09-30, BSBK had $10,915,246 increase in cash & cash equivalents over the period. $277,067 in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income (loss) | 454,625 | 955,342 |
| Amortization of intangible assets | 40,648 | 46,341 |
| Provision (recovery) for credit losses | -50,000 | -80,000 |
| Depreciation of premises and equipment | 98,624 | 201,684 |
| Amortization of deferred loan costs, net | -109,926 | -16,914 |
| Amortization of premiums and accretion of discounts on securities, net | -7,110 | -42,886 |
| Deferred tax benefit | -621,852 | -69,637 |
| Gain on sale of loans | 0 | 37,830 |
| Proceeds from sale of loans | 0 | 1,932,899 |
| Origination of loans held for sale | 0 | -1,970,729 |
| Increase in cash surrender value of bank owned life insurance | -321,267 | 990,623 |
| Proceeds from boli death benefit | 543,000 | - |
| Employee stock ownership plan expense | 56,253 | 96,858 |
| Stock based compensation | 225,435 | 446,615 |
| Accrued interest receivable | 87,046 | -7,367 |
| Net changes in other assets | -395,021 | -1,902,625 |
| Net changes in other liabilities | -114,526 | -672,292 |
| Net cash used for operating activities | 292,485 | 1,904,080 |
| Purchases of securities held to maturity | 0 | 0 |
| Purchases of securities available for sale | 22,041,242 | 27,699,938 |
| Maturities, calls, and repayments of securities available for sale | 8,306,909 | 23,928,115 |
| Maturities, calls, and repayments of securities held to maturity | 0 | 0 |
| Purchase of loan pool | 0 | - |
| Investment in limited partnership | 2,500,000 | - |
| Net decrease in loans | -23,837,753 | -18,581,405 |
| Purchases of premises and equipment | 15,418 | 36,169 |
| Purchase of fhlb stock | 1,169,300 | 2,420,100 |
| Redemption of fhlb stock | 1,914,800 | 4,018,200 |
| Cash provided by (used in) investing activity, including discontinued operation | 8,333,502 | 16,371,513 |
| Net (decrease) increase in deposits | 18,523,259 | -13,958,256 |
| Net decrease in short-term fhlb advances | -5,000,000 | 10,500,000 |
| Proceeds from long-term fhlb non-repo advances | 0 | 0 |
| Repayments of long-term fhlb non-repo advances | 11,531,556 | 46,732,049 |
| Repurchase of common stock | -355,886 | 398,215 |
| Issuance of common stock | 0 | - |
| Net increase in advance payments from borrowers for taxes and insurance | -58,330 | 414,274 |
| Net cash (used for) provided by financing activities | 2,289,259 | -50,174,246 |
| Net decrease in cash and cash equivalents | 10,915,246 | -31,898,653 |
| Cash and cash equivalents at beginning of period | 52,232,208 | - |
| Cash and cash equivalents at end of period | 31,248,801 | - |
Bogota Financial Corp. (BSBK)
Bogota Financial Corp. (BSBK)