For the quarter ending 2025-09-30, CARV had -$3,088K decrease in cash & cash equivalents over the period. -$1,701K in free cash flow.
| 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 | 0 | 13 |
| Depreciation and amortization expense | 189 | 179 |
| Gain (loss) on sales of loans, net | 0 | - |
| Income from bank owned life insurance | 42 | 41 |
| 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 | 53 | 46 |
| 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 | 15 |
| 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 | 0 | 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 | - |
CARVER BANCORP INC (CARV)
CARVER BANCORP INC (CARV)