Ballston Spa Bancorp, Inc. (BSPA)
Ballston Spa Bancorp, Inc. (BSPA)
| Cash Flow | 2026-03-31 |
|---|---|
| Net income | 244 |
| Depreciation | 188 |
| Provision for credit losses | 180 |
| Net premium accretion on securities | 110 |
| Deferred tax benefit | 75 |
| Net gain on sale of loans | 155 |
| Proceeds from sale of loans held for sale | 11,302 |
| Loans originated for sale | 11,147 |
| Earnings on bank owned life insurance | 42 |
| Net decrease (increase) in accrued interest receivable | -15 |
| Net (increase) decrease in other assets | 690 |
| Net decrease in other liabilities | -448 |
| Net cash provided by operating activities | -588 |
| Proceeds from maturities, calls and pay downs of securities available for sale | 3,179 |
| Net redemption (purchases) of fhlb stock | -2,192 |
| Loan originations and payments, net | -2,019 |
| Purchase of premises and equipment | 836 |
| Net cash used in investing activities | 6,554 |
| Net increase in deposits | 42,506 |
| Net (decrease) increase in short-term fhlb borrowings | -54,000 |
| Issuance of junior subordinated note, net | 25,444 |
| Dividends paid | 245 |
| Net cash provided by financing activities | 13,705 |
| Net change in cash and cash equivalents | 19,671 |
| Cash and cash equivalents at beginning of year | 28,146 |
| Cash and cash equivalents at end of year | 47,817 |