| Cash Flow | 2025-09-30 |
|---|---|
| Net income (loss) | 31,086 |
| Depreciation | 409,820 |
| Accretion (amortization) of premiums and discounts | 20,972 |
| Provision for credit losses | 405,000 |
| Amortization of core deposit intangible | 138,000 |
| Accretion of loan credit and yield adjustment | 35,702 |
| Increase in cash surrender value of bank-owned life insurance | 490,117 |
| Change in other assets | 861,440 |
| Change in accrued interest receivable | -88,001 |
| Deferred income tax benefit | -101,894 |
| Change in accounts payable and accrued expenses | 413,220 |
| Net cash flows from operating activities | -24,998 |
| Redemption from boli | 2,697,344 |
| Proceeds from maturities of certificates of deposit | 1,350,000 |
| Purchase of certificates of deposit | 870,000 |
| Proceeds from repayment of available-for-sale securities | 13,710,614 |
| Repayment of held-to-maturity securities | 4,238,766 |
| Change in loans receivable | 9,571,670 |
| Purchase of premises and equipment | 438,043 |
| Net cash flows provided by (used in) investing activities | 11,117,011 |
| Change in deposit accounts | -471,404 |
| Change in advances from borrowers for taxes and insurance | 980,461 |
| Net cash flows provided by (used in) financing activities | 509,057 |
| Net change in cash and cash equivalents | 11,601,070 |
| Cash and cash equivalents at beginning of period | 15,327,048 |
| Cash and cash equivalents at end of period | 26,928,118 |
Hoyne Bancorp, Inc. (HYNE)
Hoyne Bancorp, Inc. (HYNE)