For the quarter ending 2025-09-30, FDSB had $6,686K increase in cash & cash equivalents over the period. $54K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income (loss) | 343 | 3,204 |
| Gain on insurance proceeds | 0 | 3,469 |
| Gain on sale of real estate owned | 0 | 14 |
| Depreciation | 168 | 337 |
| Net amortization (accretion) of deferred loan costs | 14 | 45 |
| Net amortization on investment securities | -23 | -78 |
| Federal home loan bank stock dividend | -6 | -13 |
| Deferred tax expense | 0 | -262 |
| Increase in cash surrender value on bank owned life insurance | 70 | 176 |
| Esop compensation expense | 75 | 138 |
| Accrued interest receivable | 124 | 247 |
| Other assets | -146 | -575 |
| Other liabilities | -424 | 1,147 |
| Net cash provided by (used in) operating activities | 117 | 1,253 |
| Available-for-sale | 3,525 | 7,350 |
| Purchases of investment securities available-for-sale | 2,918 | 12,514 |
| Increase in loans receivable, net | -331 | 12,359 |
| Bank owned life insurance proceeds | 6,769 | - |
| Proceeds from sale of real estate owned | 0 | 144 |
| Purchases of premises and equipment | 63 | 239 |
| Net cash used in investing activities | 7,644 | -17,618 |
| Increase in deposits, net | -2,069 | 6,767 |
| Advances by borrowers for taxes, insurance, and repairs | 1,505 | -624 |
| Repurchase of common stock | -511 | - |
| Net cash provided by financing activities | -1,075 | 6,143 |
| Net increase (decrease) in cash and cash equivalents | 6,686 | -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)