| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 36,073 | 21,205 |
| Amortization of deferred loan costs, fees and purchased premiums and discounts | -4,756 | -2,941 |
| Net amortization of premiums and discounts on securities | 2,835 | 1,915 |
| Net amortization of mortgage servicing rights | 158 | 98 |
| Amortization of intangible assets | 1,592 | 1,031 |
| Depreciation and amortization of office properties and equipment | 6,399 | 4,218 |
| Amortization of operating lease right-of-use assets | 3,017 | 1,995 |
| Provision for credit losses | 7,745 | 5,401 |
| (gain) loss on securities transactions | 336 | 336 |
| Change in fair value of equity securities | 1,294 | 580 |
| Gain on securitizations | 129 | 70 |
| Gain on sale of loans, net | 772 | 430 |
| Loss (gain) on disposal of office properties and equipment, net | -18 | 18 |
| Deferred tax (benefit) expense | -5,046 | -5,818 |
| (increase) in accrued interest receivable | 1,866 | 778 |
| Gain on sale of other real estate owned | 281 | 281 |
| Decrease (increase) in other assets | -5,410 | -810 |
| (decrease) in accrued expenses and other liabilities | -8,668 | -14,599 |
| Income on bank-owned life insurance | 5,982 | 3,849 |
| Employee stock ownership plan expense | 2,527 | 1,674 |
| Stock based compensation | 3,590 | 2,460 |
| (increase) in deferred compensation obligations under rabbi trust | -60 | -99 |
| Net cash provided by operating activities | 44,016 | 13,060 |
| Proceeds from sales of debt securities available for sale | 15,656 | 15,656 |
| Proceeds from paydowns/maturities/calls of debt securities available for sale | 156,702 | 102,847 |
| Proceeds from paydowns/maturities/calls of debt securities held to maturity | 28,108 | 24,869 |
| Purchases of debt securities available for sale | 179,578 | 118,767 |
| Purchases of debt securities held to maturity | 33,369 | 33,369 |
| Proceeds from sales of loans held-for-sale | 29,310 | 20,525 |
| Purchases of loans receivable | 150,882 | 150,882 |
| Net (increase) in loans receivable | 253,555 | 138,878 |
| Proceeds from bank-owned life insurance death benefits | 0 | 0 |
| Proceeds from redemptions of federal home loan bank stock | 26,653 | 19,574 |
| Purchases of federal home loan bank stock | 34,529 | 27,850 |
| Proceeds from sales of office properties and equipment | 0 | 18 |
| Additions to office properties and equipment | 7,459 | 4,622 |
| Proceeds from sales of other real estate owned | 1,615 | 1,615 |
| Purchase of insurance agency book of business | 1,400 | - |
| Net cash (used in) investing activities | -402,728 | -289,264 |
| Net increase in deposits | 144,172 | 39,334 |
| Proceeds from long-term borrowings | 155,333 | 130,000 |
| Payments on long-term borrowings | 79,418 | 60,000 |
| Net increase (decrease) in short-term borrowings | 106,968 | 121,978 |
| Decrease in advance payments by borrowers for taxes and insurance | -1,148 | 4,072 |
| Exercise of stock options | 0 | 0 |
| Purchase of treasury stock | 2,837 | 0 |
| Repurchase of shares for taxes | 179 | 179 |
| Net cash provided by (used in) financing activities | 322,891 | 235,205 |
| Net (decrease) in cash and cash equivalents | -35,821 | -40,999 |
| Cash and cash equivalents at beginning of period | 289,223 | - |
| Cash and cash equivalents at end of period | 253,402 | - |
Columbia Financial, Inc. (CLBK)
Columbia Financial, Inc. (CLBK)