| Cash Flow | 2026-06-30 |
|---|---|
| Net income | 255,885 |
| Depreciation | 37,983 |
| Amortization and accretion of investments, net | -4,325 |
| Amortization and accretion of fair value discount, net | 2,400 |
| Amortization of intangible assets | 6,022 |
| Deferred loan fees | 2,060 |
| Deferred income tax provision | 30,483 |
| Increase in cash surrender value on bank owned life insurance | 34,248 |
| Amortization of right-of-use asset | 3,981 |
| (increase) decrease in interest receivable | 55,441 |
| Other assets | 862,098 |
| Other liabilities | 119,287 |
| Net cash flows (used in) provided by operating activities | -498,281 |
| Proceeds from maturities and paydowns of available-for-sale securities | 118,302 |
| Net decrease (increase) in loans | -690,743 |
| Purchases of premises and equipment | 9,354 |
| Net cash flows provided by (used in) investing activities | 799,691 |
| Net increase in customer deposits | 12,249,805 |
| Advances and deposits by borrowers | -3,046 |
| Payments on borrowings | -3,200,000 |
| Net cash flows provided by (used in) financing activities | 9,046,759 |
| Net change in cash and cash equivalents | 9,348,169 |
| Cash and cash equivalents at beginning of year | 6,428,668 |
| Cash and cash equivalents at end of year | 15,776,837 |
CSB Financial Inc. (CSBA)
CSB Financial Inc. (CSBA)