| Cash Flow | 2025-09-30 |
|---|---|
| Net income | 9,506 |
| Depreciation and amortization of premises and equipment | 1,042 |
| Net accretion of yield adjustments | 139 |
| Deferred income taxes | 1,892 |
| Amortization of intangible assets | 119 |
| Net change in benefit plan accrued expense | -35 |
| (reversal of) provision for credit losses | -82 |
| Loans originated for sale | 28,605 |
| Proceeds from sale of mortgage loans held-for-sale | 28,085 |
| Gain on sale of mortgage loans held-for-sale, net | 199 |
| Realized gain on disposition of premises and equipment | 749 |
| Increase in cash surrender value of bank owned life insurance | 2,689 |
| Esop and stock-based compensation expense | 847 |
| (increase) decrease in interest receivable | 1,362 |
| Decrease in other assets | -645 |
| (decrease) increase in interest payable | -2,108 |
| Decrease in other liabilities | -4,664 |
| Net cash provided by operating activities | 1,504 |
| Investment securities available for sale | 71,170 |
| Repayments/calls/maturities of investment securities available for sale | 79,405 |
| Repayments/calls/maturities of investment securities held to maturity | 3,507 |
| Purchase of loans | 5,053 |
| Net decrease (increase) in loans receivable | -50,763 |
| Additions to premises and equipment | 367 |
| Proceeds from death benefit of bank owned life insurance | 301 |
| Proceeds from cash settlement of premises and equipment | 2,629 |
| Purchase of fhlb stock | 9,900 |
| Redemption of fhlb stock | 12,150 |
| Net cash provided by investing activities | 62,265 |
| Net (decrease) increase in deposits | -43,333 |
| Repayment of term fhlb advances | 1,200,000 |
| Proceeds from term fhlb advances and other borrowings | 1,100,000 |
| Net increase in other short-term borrowings | 50,000 |
| Net (decrease) increase in advance payments by borrowers for taxes | -56 |
| Cancellation of shares repurchased on vesting to pay taxes | 415 |
| Dividends paid | 7,095 |
| Net cash (used in) provided by financing activities | -100,899 |
| Net (decrease) increase in cash and cash equivalents | -37,130 |
| Cash and cash equivalents at beginning of period | 167,269 |
| Cash and cash equivalents at end of period | 130,139 |
Kearny Financial Corp. (KRNY)
Kearny Financial Corp. (KRNY)