| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 10,106 | 6,476 |
| Provision for credit losses | 1,142 | 1,080 |
| Depreciation | 3,960 | 2,633 |
| Net amortization of investment securities premiums and discounts | -526 | -351 |
| Amortization of mortgage servicing rights | 1,342 | 882 |
| Amortization of right-of-use assets | 359 | 239 |
| Amortization | 906 | 618 |
| Compensation expense related to restricted stock awards | 526 | 345 |
| Esop compensation expense for allocated shares | 299 | 197 |
| Net gain on sale of loans | 5,661 | 3,432 |
| Originations of loans held-for-sale | 163,165 | 98,554 |
| Proceeds from sales of loans held-for-sale | 170,733 | 101,077 |
| Net gain on sale/disposal of premises and equipment | 0 | - |
| Net appreciation in cash surrender value of life insurance | 1,074 | 708 |
| Accrued interest and dividends receivable | 4,013 | 1,784 |
| Other assets | -1,036 | -928 |
| Accrued expenses and other liabilities | -4,434 | -6,717 |
| Net cash provided by operating activities | 12,588 | 3,631 |
| Maturities, principal payments and calls | 22,357 | 13,340 |
| Purchases | 3,023 | 3,023 |
| Fhlb stock redeemed (purchased) | -2,578 | -778 |
| Loan origination and principal collection, net | 37,338 | 49,157 |
| (purchase) proceeds from bank owned life insurance | 0 | - |
| Insurance proceeds related to premises and equipment | 0 | - |
| Proceeds from sale of real estate and other repossessed assets acquired in settlement of loans | 40 | 40 |
| Proceeds from sale of premises and equipment | 0 | 0 |
| Purchases of premises and equipment, net | 3,848 | 1,981 |
| Net cash used in investing activities | -19,234 | -40,003 |
| Net increase in deposits | 70,951 | 56,697 |
| Net short-term advances (payments) from fhlb and other borrowings | 21,987 | 20,977 |
| Advances on long-term fhlb and other borrowings | 20,000 | 20,000 |
| Payments on long-term fhlb and other borrowings | 103,750 | 62,500 |
| Purchase of treasury stock | 1,163 | 1,163 |
| Dividends paid | 3,423 | 2,270 |
| Net cash provided by financing activities | 4,602 | 31,741 |
| Net (decrease) increase in cash and cash equivalents | -2,044 | -4,631 |
| Cash and cash equivalents at beginning of period | 31,559 | - |
| Cash and cash equivalents at end of period | 29,515 | - |
Eagle Bancorp Montana, Inc. (EBMT)
Eagle Bancorp Montana, Inc. (EBMT)