For the year ending 2025-12-31, FDSB had -$4,064K decrease in cash & cash equivalents over the period. $942K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income (loss) | 4,088 |
| Provision for (recovery of) credit losses | 10 |
| Gain on insurance proceeds | 3,469 |
| Gain on sale of real estate owned | 14 |
| Depreciation | 671 |
| Net accretion of deferred loan costs | 55 |
| Net amortization on investment securities | -128 |
| Federal home loan bank stock dividend | -25 |
| Deferred tax expense (benefit) | 65 |
| Increase in cash surrender value on bank owned life insurance | 304 |
| Esop compensation expense | 287 |
| Stock-based compensation | 68 |
| Accrued interest receivable | 32 |
| Other assets | -46 |
| Other liabilities | -138 |
| Net cash provided by (used in) operating activities | 1,326 |
| Available-for-sale | 15,877 |
| Purchases of investment securities available-for-sale | 18,303 |
| Increase in loans receivable, net | 9,133 |
| Bank owned life insurance proceeds | 6,769 |
| Proceeds from sale of real estate owned | 144 |
| Purchases of premises and equipment | 384 |
| Net cash used in investing activities | -5,030 |
| Increase in deposits, net | 1,686 |
| Increase in advances by borrowers for taxes, insurance and repairs | 898 |
| (repurchase) net proceeds from issuance of common stock | -2,944 |
| Net cash provided by (used in) financing activities | -360 |
| Net increase (decrease) in cash and cash equivalents | -4,064 |
| Cash and cash equivalents, beginning of year | 37,916 |
| Cash and cash equivalents, end of year | 33,852 |
Fifth District Bancorp, Inc. (FDSB)
Fifth District Bancorp, Inc. (FDSB)