CARV: the cash flow

Cash Flow Overview

Change in Cash

-$3,088K

Free Cash flow

-$1,701K

Unit: Thousand (K) dollars

Positive Cash Flow Breakdown

Negative Cash Flow Breakdown

Cash Flow

2025-09-30

2025-06-30

Net loss

-2,431

-1,177

Financing receivable, excluding accrued interest, credit loss expense (reversal)

-15

-26

Stock based compensation expense

Depreciation and amortization expense

189

179

Gain (loss) on sales of loans, net

Income from bank owned life insurance

Amortization and accretion of loan premiums and discounts and deferred charges, net

-146

-210

Amortization and accretion of premiums and discounts securities

-36

-41

Increase in accrued interest receivable

-159

271

Decrease (increase) in other assets

-67

-285

Increase (decrease) in other liabilities

306

557

Net cash used in operating activities

-1,585

-230

Proceeds from principal payments, maturities and calls of investments available-for-sale

556

769

Loans purchased from third parties

3,453

Proceeds from principal payments, maturities and calls of investments held-to-maturity

Loans held-for investment, net of (originations) and repayments/payoffs and maturities

-8,005

-11,779

Proceeds from loans sold

550

(purchase) redemption of fhlb-ny stock, net

280

Purchase of premises and equipment

116

168

Net cash provided by investing activities

12,221

8,958

Net (decrease) increase in deposits

-19,939

-16,306

Proceeds from short-term borrowings

5,000

Proceeds from issuance of long-term debt

1,215

2,912

Repayment of long-term borrowings

1,814

Net cash used in financing activities

-13,724

-15,208

Net decrease in cash and cash equivalents

-3,088

-6,480

Cash and cash equivalents at beginning of period

50,315

Cash and cash equivalents at end of period

40,747

Time Plot

Show the time plot by selecting a row from the table.