For the quarter ending 2026-03-31, FDSB had -$10,541K decrease in cash & cash equivalents over the period. $736K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 387 | 541 | 343 | 3,204 |
| Provision for (recovery of) credit losses | - | 10 | - | - |
| Gain on insurance proceeds | - | 0 | 0 | 3,469 |
| Gain on sale of real estate owned | - | 0 | 0 | 14 |
| Depreciation | 164 | 166 | 168 | 337 |
| Net accretion of deferred loan costs | 6 | -4 | 14 | 45 |
| Net amortization on investment securities | -12 | -27 | -23 | -78 |
| Federal home loan bank stock dividend | -6 | -6 | -6 | -13 |
| Deferred tax benefit | -5 | 327 | 0 | -262 |
| Increase in cash surrender value on bank owned life insurance | 68 | 58 | 70 | 176 |
| Esop compensation expense | 84 | 74 | 75 | 138 |
| Stock-based compensation | 137 | 68 | - | - |
| Accrued interest receivable | 328 | -339 | 124 | 247 |
| Other assets | -453 | 675 | -146 | -575 |
| Other liabilities | 213 | -861 | -424 | 1,147 |
| Net cash provided by operating activities | 1,037 | -44 | 117 | 1,253 |
| Bank owned life insurance proceeds | - | 0 | 6,769 | - |
| Proceeds from sale of real estate owned | - | - | 0 | 144 |
| Available-for-sale | 3,931 | 5,002 | 3,525 | 7,350 |
| Purchases of investment securities available-for-sale | 3,892 | 2,871 | 2,918 | 12,514 |
| Proceeds from sale of real estate owned | - | 144 | - | - |
| Increase in loans receivable, net | 11,963 | -2,895 | -331 | 12,359 |
| Purchases of premises and equipment | 301 | 82 | 63 | 239 |
| Net cash used in investing activities | -12,225 | 4,944 | 7,644 | -17,618 |
| Increase in deposits, net | 2,071 | -3,012 | -2,069 | 6,767 |
| Decrease in advances by borrowers for taxes, insurance and repairs | -531 | 17 | 1,505 | -624 |
| Repurchase of common stock | -893 | -2,433 | -511 | - |
| Net cash provided by financing activities | 647 | -5,428 | -1,075 | 6,143 |
| Net decrease in cash and cash equivalents | -10,541 | -528 | 6,686 | -10,222 |
| Cash and cash equivalents, beginning of period | 33,852 | 34,380 | 37,916 | - |
| Cash and cash equivalents, end of period | 23,311 | 33,852 | 34,380 | - |
Fifth District Bancorp, Inc. (FDSB)
Fifth District Bancorp, Inc. (FDSB)