| Cash Flow | 2025-06-30 |
|---|---|
| Provision for (recovery of) credit losses | -93,833 |
| Earnings on cash value of life insurance | -269,888 |
| Net income (loss) | 42,445 |
| Depreciation | 295,003 |
| Provision for valuation allowance on foreclosed assets (oreo), net | 378,767 |
| Amortization of deferred loan fees | -51,859 |
| Esop expense | 61,667 |
| Stock based compensation | 156,682 |
| Net amortization of discounts and premiums on debt securities | 45,702 |
| Net gain on sale of loans | -148,203 |
| Net change in deferred taxes | -12,761 |
| Decrease (increase) in interest receivable | -69,918 |
| Originations of loans held for sale | -5,907,284 |
| Proceeds from loans held for sale | 6,055,487 |
| Net change in operating leases | 1,209 |
| Net change in other assets | 27,067 |
| Net change in other liabilities | 938,228 |
| Net cash from operating activities | 1,448,511 |
| Net change in interest-bearing deposits in other financial institutions | -37,359 |
| Proceeds from sales, maturities, and repayments of debt securities available for sale | 1,703,945 |
| Proceeds from maturities and calls of debt securities held to maturity | 32,768 |
| Net change in loans | -17,202,381 |
| Purchases of property and equipment | -179,043 |
| Cash received from mhc in conversion | 100,000 |
| Net cash provided by (used in) investing activities | -15,582,070 |
| Net cash proceeds from common stock offering | 15,210,356 |
| Exercise of stock options | 13,314 |
| Purchase of esop shares | -1,354,720 |
| Net change in deposits | 2,260,072 |
| Borrowings of fhlb advances | 5,000,000 |
| Repayments of fhlb advances | -3,000,000 |
| Purchase and retirement of common stock | -82,165 |
| Net cash provided by (used in) financing activities | 18,046,857 |
| Net change in cash and cash equivalents | 3,913,298 |
| Cash and cash equivalents at beginning of period | 10,472,438 |
| Cash and cash equivalents at end of period | 14,385,736 |
Marathon Bancorp, Inc. MD (MBBC)
Marathon Bancorp, Inc. MD (MBBC)