| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 6,103 | 2,606 |
| Origination of loans for sale | 29,276 | 18,141 |
| Sale of loans originated for sale | 28,788 | 19,178 |
| Depreciation and amortization, net of accretion | 4,684 | 3,231 |
| Stock based compensation expense | 345 | 229 |
| Cash payments for lease liabilities | 1,201 | 800 |
| (gain) loss on sale of securities, net | 0 | 0 |
| (gain) loss on sale of loans held-for-sale, net | 906 | 624 |
| (gain) loss on sale of real estate | -56 | 0 |
| (gain) loss on sale of foreclosed real estate | 0 | 0 |
| (increase) decrease of cash value of bank owned life insurance | 628 | 418 |
| (gain) loss on death benefits of bank-owned life insurance | 236 | - |
| (gain) loss on derivatives | -33 | -16 |
| Provision for (benefit from) credit losses | -121 | 180 |
| Interest receivable | -136 | -70 |
| Interest payable | -542 | -34 |
| Other assets | -2,555 | -2,136 |
| Accrued expenses and other liabilities | -7,630 | -6,669 |
| Total adjustments | -3,943 | -1,646 |
| Net cash provided by (used in) operating activities | 2,160 | 960 |
| Proceeds from maturities and pay downs of securities available-for-sale | 8,934 | 5,687 |
| Proceeds from sales of securities available-for-sale | 0 | 0 |
| Net change in loans receivable | -34,706 | -24,593 |
| Purchase of premises and equipment | 613 | 461 |
| Proceeds from sale of premises and equipment | 667 | 0 |
| Proceeds from sale of foreclosed real estate | 0 | 72 |
| Proceeds from death benefits of bank owned life insurance | 535 | - |
| Net cash provided by (used in) investing activities | 44,229 | 29,891 |
| Change in deposits | -9,920 | -5,716 |
| Proceeds from borrowed funds | 30,000 | 40,000 |
| Repayment of borrowed funds | 40,000 | 40,000 |
| Net surrender value of restricted stock awards | 146 | 0 |
| Change in repurchase agreements | 8,310 | 8,215 |
| Dividends paid | 1,039 | 520 |
| Net cash provided by (used in) financing activities | -12,795 | 1,979 |
| Net change in cash and cash equivalents | 33,594 | 32,830 |
| Cash and cash equivalents at beginning of period | 70,584 | - |
| Cash and cash equivalents at end of period | 104,178 | - |
Finward Bancorp (FNWD)
Finward Bancorp (FNWD)