For the quarter ending 2025-12-31, CPBI had $19,219K increase in cash & cash equivalents over the period. $2,227K in free cash flow.
| Cash Flow | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Net income | 1,175 | 882 | 988 |
| Depreciation | 259 | 283 | 195 |
| Gain on sale of loans | 96 | 98 | 77 |
| Amortization of premium and accretion of discount on securities, net | 8 | 5 | -2 |
| Deferred income tax expense | 19 | 0 | 0 |
| Contributions to pension plan | - | 150 | 150 |
| Provision for credit losses | 0 | 89 | -3 |
| Origination of loans held for sale | 5,939 | 7,623 | 5,141 |
| Proceeds from sales of loans held for sale | 6,035 | 7,721 | 5,218 |
| Esop expense | 54 | 51 | 49 |
| Stock based compensation | 193 | 191 | 185 |
| Accrued interest receivable | -491 | 712 | -4 |
| Mortgage servicing rights | -8 | -21 | -1 |
| Other assets | 233 | 23 | -193 |
| Accrued interest payable | -17 | 355 | -333 |
| Accounts payable, accrued expenses and other liabilities | 662 | -110 | -1,525 |
| Net cash provided by operating activities | 2,287 | 1,130 | -96 |
| Net change in loans | 7,860 | 9,103 | 11,024 |
| Purchase of investment securities available for sale | 988 | 0 | 3,399 |
| Principal paydowns from investment securities available for sale | 2,221 | 2,066 | 2,113 |
| Principal paydowns from investment securities held to maturity | 8 | 18 | 12 |
| Purchase of fhlb stock | 7 | 7 | 7 |
| Purchase of premises and equipment | 60 | 242 | 670 |
| Net cash used in investing activities | -6,686 | -7,268 | -12,975 |
| Net change in deposits | 31,774 | 7,554 | -15,565 |
| Net change in advances from borrowers for taxes and insurance | 538 | -391 | -332 |
| Proceeds from short-term fhlb advances | - | 500 | 8,000 |
| Proceeds from short-term private banker's bank advances | - | - | 466 |
| Repurchase of common stock | 194 | 90 | 260 |
| Net cash provided by financing activities | 23,618 | 7,107 | -7,691 |
| Net decrease in cash and cash equivalents | 19,219 | 969 | -20,762 |
| Cash and cash equivalents at beginning of period | 8,889 | 28,682 | - |
| Cash and cash equivalents at end of period | 28,108 | 8,889 | - |
Central Plains Bancshares, Inc. (CPBI)
Central Plains Bancshares, Inc. (CPBI)