| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 12,332,018 | - |
| Depreciation and amortization, bank premises and equipment | 782,239 | - |
| Credit loss expense | 990,853 | - |
| Deferred income tax (benefit) provision | -11,389 | - |
| Gain on sale of loans | 80,495 | - |
| Loss (gain) on sale of bank premises and equipment | -7,839 | - |
| Income from cfs partners | 1,388,678 | - |
| Amortization of bond premium, net | 34,695 | - |
| Proceeds from sales of loans held for sale | 3,724,595 | - |
| Originations of loans held for sale | 4,913,308 | - |
| Increase (decrease) in taxes payable | 158,634 | - |
| Decrease (increase) in interest receivable | -12,686 | - |
| Decrease in mortgage servicing rights | 65,997 | - |
| Decrease in right-of-use assets | 178,394 | - |
| Increase (decrease) in operating lease liabilities | 279,239 | - |
| Decrease (increase) in other assets | -31,633 | - |
| Increase in cash surrender value of boli | 60,289 | - |
| Amortization of limited partnerships | 638,604 | - |
| Change in net deferred loan fees and costs | 89,695 | - |
| (decrease) increase in interest payable | -1,912,291 | - |
| Decrease in accrued expenses | -305,597 | - |
| Decrease in other liabilities | -118,187 | - |
| Net cash provided by operating activities | 10,357,497 | 4,592,706 |
| Maturities, calls, pay downs and sales | 29,024,533 | 19,913,602 |
| Purchases | 14,971,773 | - |
| Proceeds from redemption of restricted equity securities | 2,547,700 | 1,316,700 |
| Purchases of restricted equity securities | 3,174,900 | 2,107,700 |
| Increase in loans, net | 34,401,822 | 13,933,241 |
| Capital expenditures net of proceeds from sales of bank premises and equipment | 1,206,710 | 386,502 |
| Purchases | - | -14,971,773 |
| Recoveries of loans charged off | 88,395 | 36,874 |
| Net cash used in investing activities | -22,094,577 | -10,132,040 |
| Net decrease in demand and interest-bearing transaction accounts | -12,493,069 | -40,105,058 |
| Net decrease in money market and savings accounts | -13,219,341 | -38,710,600 |
| Net increase in time deposits | 32,367,815 | 10,136,759 |
| Net decrease in repurchase agreements | -14,765,320 | -2,716,058 |
| Net (decrease) increase in short-term borrowings | -31,500,000 | -21,800,000 |
| Proceeds from long-term borrowings | 5,175,022 | 5,000,000 |
| Decrease in finance lease obligations | 175,057 | 116,370 |
| Shares purchased through stock buyback program | 701,470 | - |
| Dividends paid on preferred stock | 84,375 | 56,250 |
| Shares purchased through stock buyback program | - | -548,218 |
| Dividends paid on common stock | 2,941,768 | 1,957,974 |
| Net cash (used in) provided by financing activities | -38,337,563 | -90,873,769 |
| Net (decrease) increase in cash and cash equivalents | -50,074,643 | -96,413,103 |
| Cash and cash equivalents at beginning of period | 110,940,202 | - |
| Cash and cash equivalents at end of period | 60,865,559 | - |
COMMUNITY BANCORP VT (CMTV)
COMMUNITY BANCORP VT (CMTV)