| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net (loss) income | -4,573 | -5,375 |
| Depreciation and amortization | 951 | 653 |
| Amortization of core deposit intangible | 2 | 1 |
| Amortization and accretion of premiums and discounts on investments, net | -87 | -74 |
| Accretion of deferred loan fees and purchased premiums, net | 1,327 | 745 |
| Amortization of debt issuance costs | 54 | 37 |
| Change in fair value of sold loan servicing rights | 201 | 78 |
| Additions to servicing rights on sold loans, net | -13 | -17 |
| Provision for credit losses on loans | 6,854 | 7,474 |
| Recapture of provision for credit losses on unfunded commitments | -102 | -49 |
| Allocation of esop shares | 359 | 262 |
| Share-based compensation expense | 536 | 405 |
| Gain on sale of loans, net | 16 | 55 |
| Loss on sale of securities available for sale, net | 0 | 0 |
| Gain on extinguishment of subordinated debt | 848 | 848 |
| Increase in boli cash surrender value, net | 1,396 | 857 |
| Income from boli death benefit, net | 1,059 | 1,059 |
| Origination of loans held for sale | 17,511 | 11,963 |
| Proceeds from sale of loans held for sale | 17,245 | 12,333 |
| Increase in accrued interest receivable | 1 | 146 |
| Decrease (increase) in rou asset | -1,507 | -1,229 |
| Increase in prepaid expenses and other assets | 1,434 | 10,609 |
| Decrease in accrued interest payable | -2,150 | -1,781 |
| (decrease) increase in lease liabilities | -1,464 | -1,278 |
| Decrease in accrued expenses and other liabilities | -8,952 | -5,535 |
| Net cash (used) provided by operating activities | -13,050 | -17,771 |
| Purchase of securities available for sale | 5,534 | 5,534 |
| Proceeds from maturities, calls, and principal repayments of securities available for sale | 71,165 | 45,518 |
| Proceeds from sales of securities available for sale | 0 | 0 |
| Redemption (purchase) of fhlb stock | -3,579 | 471 |
| Capital disbursements received from equity and partnership investments | - | 350 |
| Early surrender of boli policies | 9,375 | 9,381 |
| Purchase of boli policies | 9,109 | 9,109 |
| Sale of premises and equipment, net of amortization | - | -477 |
| Proceeds from boli death benefit | 1,968 | 528 |
| Net decrease (increase) in loans receivable | -59,057 | -18,543 |
| Proceeds from the sale of premises and equipment | 390 | - |
| Capital contributions to equity and partnership investments | 720 | 455 |
| Redemption of partnership investment | 572 | 0 |
| Capital contributions to low-income housing tax credit partnerships | 0 | 0 |
| Net cash provided (used) by investing activities | 130,743 | 59,228 |
| Net (decrease) increase in deposits | -34,699 | -33,390 |
| Proceeds from long-term fhlb advances | 30,000 | 30,000 |
| Repayment of long-term fhlb advances | 20,000 | 20,000 |
| Net decrease in short-term fhlb advances | 90,000 | 0 |
| Redemption of subordinated debt, net | 4,095 | 4,095 |
| Net increase (decrease) in line of credit | 8,500 | 3,000 |
| Net increase in advances from borrowers for taxes and insurance | 872 | -159 |
| Payment of dividends | 1,317 | 1,299 |
| Restricted stock awards canceled | 113 | 99 |
| Repurchase of common stock | 0 | 0 |
| Net cash (used) provided by financing activities | -110,852 | -26,042 |
| Net increase (decrease) in cash and cash equivalents | 6,841 | 15,415 |
| Cash and cash equivalents at beginning of period | 72,448 | - |
| Cash and cash equivalents at end of period | 79,289 | - |
First Northwest Bancorp (FNWB)
First Northwest Bancorp (FNWB)