| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income (loss) | 3,547 | 3,204 |
| Gain on insurance proceeds | 3,469 | 3,469 |
| Gain on sale of real estate owned | 14 | 14 |
| Depreciation | 505 | 337 |
| Net amortization (accretion) of deferred loan costs | 59 | 45 |
| Net amortization on investment securities | -101 | -78 |
| Federal home loan bank stock dividend | -19 | -13 |
| Deferred tax expense | -262 | -262 |
| Increase in cash surrender value on bank owned life insurance | 246 | 176 |
| Esop compensation expense | 213 | 138 |
| Accrued interest receivable | 371 | 247 |
| Other assets | -721 | -575 |
| Other liabilities | 723 | 1,147 |
| Net cash provided by (used in) operating activities | 1,370 | 1,253 |
| Available-for-sale | 10,875 | 7,350 |
| Purchases of investment securities available-for-sale | 15,432 | 12,514 |
| Increase in loans receivable, net | 12,028 | 12,359 |
| Bank owned life insurance proceeds | 6,769 | - |
| Proceeds from sale of real estate owned | 144 | 144 |
| Purchases of premises and equipment | 302 | 239 |
| Net cash used in investing activities | -9,974 | -17,618 |
| Increase in deposits, net | 4,698 | 6,767 |
| Advances by borrowers for taxes, insurance, and repairs | 881 | -624 |
| Repurchase of common stock | -511 | - |
| Net cash provided by financing activities | 5,068 | 6,143 |
| Net increase (decrease) in cash and cash equivalents | -3,536 | -10,222 |
| Cash and cash equivalents at beginning of period | 37,916 | - |
| Cash and cash equivalents at end of period | 34,380 | - |
Fifth District Bancorp, Inc. (FDSB)
Fifth District Bancorp, Inc. (FDSB)