| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 164 | 5,858 |
| Net accretion on securities | 165 | 78 |
| Depreciation and amortization | 1,349 | 894 |
| Loss on securities | - | -69 |
| Recovery/provision for credit losses-Loans | 269 | -68 |
| Recovery/provision for credit losses-Unfunded Loan Commitment | -42 | 36 |
| Net loss on sale of equity securities | -11,757 | - |
| Net loss on sale of equity securities | -13 | - |
| Net unrealized loss (gain) recognized on equity securities | -51 | - |
| Gain on purchased tax credits | 11 | 7 |
| Income from bank-owned life insurance | 451 | 297 |
| Gain on bank-owned life insurance death benefit claims | 0 | 0 |
| Proceeds from mortgage loans sold | 5,229 | 3,856 |
| Originations of mortgage loans for sale | 4,740 | 3,822 |
| Net gain on sale of loans | 99 | 49 |
| Loss on sale of other real estate owned and repossessed assets | 0 | 0 |
| Noncash expense for stock-based compensation | 610 | 416 |
| Increase in accrued interest receivable | 753 | 233 |
| Net gain on disposal of premises and equipment | 0 | 0 |
| Increase in deferred income tax | -3,508 | -843 |
| Decrease in taxes payable | -448 | 780 |
| (decrease) increase in accrued interest payable | -527 | -779 |
| Other, net | 2,934 | -740 |
| Net cash provided by operating activities | 12,780 | 8,159 |
| Proceeds from principal repayments and maturities | 28,583 | 19,659 |
| Purchases of securities | 149,336 | 22,637 |
| Proceeds from sale of debt securities | 117,833 | 1,680 |
| Proceeds from sale of equity securities | 1,680 | - |
| Net (increase) decrease in loans | 46,443 | 8,968 |
| Purchase of premises and equipment | 462 | 358 |
| Proceeds from disposal of premises and equipment | 0 | 0 |
| Proceeds from a claim on bank-owned life insurance | 0 | 0 |
| Investment in low income housing tax credit | 354 | 354 |
| Proceeds from sale of other real estate owned | 0 | 0 |
| Purchase of restricted equity securities | 4,880 | - |
| Decrease in restricted equity securities | - | -47 |
| Redemption of restricted equity securities | 4,928 | - |
| Net cash used in investing activities | -48,451 | -10,931 |
| Net increase in deposits | 50,903 | 25,915 |
| Principal payments on other borrowed funds | 20,000 | 20,000 |
| Proceeds from other borrowed funds | 20,000 | 20,000 |
| Cash dividends paid | 3,832 | 2,536 |
| Treasury stock, purchases at cost | 6,826 | 6,819 |
| Exercise of stock options | 1,744 | 1,146 |
| Net cash provided by financing activities | 41,989 | 17,706 |
| Increase in cash and due from banks | 6,318 | 14,934 |
| Cash and cash equivalents at beginning of period | 49,572 | - |
| Cash and cash equivalents at end of period | 55,890 | - |
CB Financial Services, Inc. (CBFV)
CB Financial Services, Inc. (CBFV)