For the quarter ending 2025-09-30, CZWI had $14,977K increase in cash & cash equivalents over the period. $6,239K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income attributable to common stockholders | 3,682 | 6,467 |
| Net accretion on debt securities | 20 | 18 |
| Depreciation expense | 505 | 1,044 |
| Provision for credit losses | 650 | 1,100 |
| Net (gains) losses on equity securities | -66 | 109 |
| Increase in mortgage servicing rights resulting from transfers of financial assets | -145 | -173 |
| Mortgage servicing rights amortization | 161 | 288 |
| Amortization of intangible assets | 113 | 358 |
| Stock based compensation expense | 33 | 102 |
| (increase) decrease in deferred income taxes | -381 | -152 |
| Increase in cash surrender value of life insurance | 206 | 392 |
| Net gains from disposals of foreclosed and repossessed assets | 4 | 11 |
| Provision for valuation allowance on foreclosed properties | 0 | 15 |
| Gain on sale of loans held for sale, net | 992 | 1,419 |
| Proceeds from sale of loans held for sale | 30,763 | 37,074 |
| Originations of loans held for sale | 29,054 | 40,389 |
| Proceeds from insurance claim on foreclosed and repossessed assets | 0 | 0 |
| Amortization of debt issuance costs | 40 | 116 |
| Accrued interest receivable and other assets | -128 | -423 |
| Other liabilities | 1,292 | -3,117 |
| Total adjustments | 2,949 | -5,260 |
| Net cash from operating activities | 6,631 | 1,207 |
| Proceeds from bank owned life insurance ('boli') death benefit | 0 | 0 |
| Purchase of available for sale securities | 5,001 | 1,948 |
| Proceeds from principal payments and maturities of available for sale securities | 2,577 | 8,874 |
| Proceeds from calls of available for sale securities | 1,750 | 3,200 |
| Proceeds from principal payments and maturities of held to maturity securities | 1,501 | 2,468 |
| Equity investment capital distribution | 0 | 0 |
| Purchase of equity investments | 0 | 930 |
| Net sales of other investments | -9 | -121 |
| Proceeds from sales of foreclosed and repossessed assets | 6 | 43 |
| Net decrease in loans | -22,777 | -23,032 |
| Net capital expenditures | 392 | 326 |
| Proceeds from disposal of office properties and equipment | 0 | 0 |
| Net cash from investing activities | 23,227 | 34,534 |
| Change in short term federal home loan bank advances, net | 0 | 0 |
| Federal home loan bank advance call payments | 0 | 0 |
| Federal home loan bank advance long-term maturities | 0 | 5,000 |
| Other borrowings principal reductions | 15,000 | 0 |
| Net (decrease) increase in deposits | 2,138 | -9,732 |
| Repurchase shares of common stock | 2,019 | 0 |
| Surrender of restricted shares of common stock | 0 | 190 |
| Common stock options exercised | 0 | 61 |
| Cash dividends paid | 0 | 3,598 |
| Net cash used in financing activities | -14,881 | -18,459 |
| Net increase (decrease) in cash and cash equivalents | 14,977 | 17,282 |
| Cash and cash equivalents at beginning of period | 50,172 | - |
| Cash and cash equivalents at end of period | 82,431 | - |
Citizens Community Bancorp Inc. (CZWI)
Citizens Community Bancorp Inc. (CZWI)