For the quarter ending 2025-12-31, CBKM had -$5,155K decrease in cash & cash equivalents over the period. $3,249K in free cash flow.
| Cash Flow | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Mortgage banking activity | - | - | 400 |
| Loss on disposition of other real estate and repossessed assets owned | - | - | 0 |
| Amortization of intangibles | - | - | 56 |
| Net income | - | - | 8,667 |
| Depreciation | - | - | 1,157 |
| Securities amortization and accretion, net | - | - | 15 |
| Provision for credit losses | - | - | 1,147 |
| Gain on disposal of fixed assets | - | - | 7 |
| Deferred income tax (benefit) expense | - | - | -458 |
| Loss on sale of securities | - | - | 0 |
| Net change in market value of equity securities | - | - | 11 |
| Origination of loans held for sale | - | - | 24,685 |
| Proceeds from loans held for sale | - | - | 25,179 |
| Increase in cash surrender value of life insurance | - | - | -391 |
| Net change in other assets and other liabilities | - | - | 2,305 |
| Net cash from operating activities | 3,476 | 2,535 | 7,934 |
| Purchases of securities, available-for-sale | 6,097 | 468 | 40,292 |
| Maturities, calls and principal pay downs of securities, available-for-sale | 14,659 | 9,699 | 38,548 |
| Sale of securities, available-for-sale | 919 | - | 0 |
| Principal pay downs of securities, held-to-maturity | 407 | 109 | 887 |
| Net decrease in certificates of deposit with other financial institutions | - | - | 0 |
| Proceeds from redemption of fhlb stock | - | - | 114 |
| Redemption of equity security | 400 | - | - |
| Purchases of fhlb stock | - | - | 597 |
| Net change in federal home loan bank stock, at cost | 397 | -689 | - |
| Net increase in loans | 37,617 | 21,505 | 55,017 |
| Purchase of bank owned life insurance | 0 | 1,920 | 2,375 |
| Premises and equipment purchases | 227 | 319 | 3,071 |
| Disposal of premises and equipment | - | - | 30 |
| Proceeds from sale of other real estate and repossessed assets owned | - | - | 76 |
| Net cash used in investing activities | -27,953 | -13,715 | -61,697 |
| Net increase in deposit accounts | 19,411 | 32,825 | 63,838 |
| Net change in short-term borrowings | 582 | 4,289 | -14,496 |
| Proceeds from federal home loan bank advances | - | - | 19,500 |
| Repayments of federal home loan bank advances | 10 | 18,513 | 10,658 |
| Proceeds from dividend reinvestment and stock purchase plan | 0 | 0 | 147 |
| Dividends paid | 661 | 661 | 2,383 |
| Net cash from financing activities | 19,322 | 17,940 | 55,948 |
| Increase in cash or cash equivalents | -5,155 | 6,760 | 2,185 |
| Cash and cash equivalents at beginning of period | 26,668 | 19,908 | - |
| Cash and cash equivalents at end of period | 21,513 | 26,668 | - |
CONSUMERS BANCORP INC OH (CBKM)
CONSUMERS BANCORP INC OH (CBKM)