For the quarter ending 2025-09-30, ECBK had $3,958K increase in cash & cash equivalents over the period. $3,954K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 2,439 | 2,737 |
| Accretion of premiums and discounts on securities, net | 25 | 109 |
| Provision for credit losses | 183 | 1,110 |
| Change in deferred loan costs/fees | -107 | -195 |
| Gain on sales of loans, net | 55 | 43 |
| Proceeds from sales of loans | 4,734 | 3,914 |
| Loans originated for sale, net | 3,175 | 5,375 |
| Depreciation and amortization expense | 74 | 150 |
| Increase in accrued interest receivable | 476 | 760 |
| Decrease in accrued interest payable | 192 | 368 |
| Increase in bank-owned life insurance | 121 | 233 |
| Deferred income tax benefit | -134 | -18 |
| Esop expense | 151 | 275 |
| Stock-based compensation | 280 | 637 |
| Increase in other assets | 267 | -240 |
| Restricted stock awards forfeited | - | -35 |
| Decrease in other liabilities | 83 | -1,789 |
| Net cash provided by operating activities | 4,025 | 1,264 |
| Proceeds from maturities of interest-bearing time deposits | - | 100 |
| Purchases of held-to-maturity securities | 0 | 17,992 |
| Proceeds from paydowns and maturities of held-to-maturity securities | 8,358 | 24,396 |
| Purchases of available-for-sale securities | 10,891 | 16,319 |
| Proceeds from paydowns and maturities of available-for-sale securities | 178 | 2,941 |
| Purchase of interest-bearing time deposits | 7,998 | - |
| Proceeds from maturities of interest-bearing time deposits | 100 | - |
| Investment in low-income housing tax credit fund | 0 | 2,992 |
| Purchase of federal home loan bank stock | 1,315 | 2,761 |
| Redemption of federal home loan bank stock | 1,515 | 1,459 |
| Loan originations and principal collections, net | -24,043 | -143,766 |
| Purchase of loans | 0 | 2,806 |
| Capital expenditures | 71 | 68 |
| Net cash used in investing activities | -34,267 | -157,808 |
| Net change in demand deposits, interest-bearing checking, savings and money market accounts | -1,891 | 18,104 |
| Net increase in time deposits | 43,058 | 50,801 |
| Proceeds from long-term federal home loan bank advances | 5,000 | 25,815 |
| Repayments of long-term federal home loan bank advances | 0 | 25,000 |
| Net change in short-term federal home loan bank advances | -10,000 | 30,000 |
| Restricted stock awards issued, net of awards surrendered | -1 | - |
| Payments for shares repurchased under share repurchase plan | 1,966 | 2,131 |
| Net cash provided by financing activities | 34,200 | 97,589 |
| Net (decrease) increase in cash and cash equivalents | 3,958 | -58,955 |
| Cash and cash equivalents at beginning of period | 157,617 | - |
| Cash and cash equivalents at end of period | 102,620 | - |
ECB Bancorp, Inc. MD (ECBK)
ECB Bancorp, Inc. MD (ECBK)