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Monroe Federal Bancorp, Inc. (MFBI)

Monroe Federal Bancorp, Inc. (MFBI)

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Cash Flow Overview

Change in Cash
$509,890
Unit: Dollar
Positive Cash Flow Breakdown
    • Proceeds from federal home loan ...
    • Increase in advances from borrow...
    • Proceeds from calls, maturities ...
    • Others
Negative Cash Flow Breakdown
    • Repayment of federal home loan b...
    • Net (decrease) increase in depos...
    • Net change in loans
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net loss
-1,508
-303,828
17,845
-93,503
Depreciation and amortization
60,471
66,153
60,876
57,320
Amortization of premiums and discounts
19,656
31,806
33,174
33,305
Accretion (amortization) of deferred loan fees
13,679
23,639
11,418
13,335
Benefit for deferred income taxes
-
-156,208
1
-23,504
Provision for credit losses
20,778
-67,685
-80,591
10,944
Increase in cash surrender value of bank owned life insurance
34,305
33,396
32,243
31,841
Stock awards and options compensation expense
19,642
16,528
-
-
Release of esop shares
5,346
5,223
5,216
7,024
Loss on sale of available-for-sale securities
-
261,282
-
-
Accrued interest receivable
-28,394
-24,306
7,485
37,726
Other assets
-77,756
16,453
-61,544
17,217
Accrued interest payable and other liabilities
-55,469
-25,286
-33,575
43,549
Net cash provided by (used in) operating activities
127,082
-221,197
13,344
-64,984
Proceeds from calls, maturities and paydowns of available-for-sale securities
212,546
322,938
314,577
358,744
Proceeds from sales of available-for-sale securities
-
3,978,751
-
-
Net change in loans
1,499,200
-935,487
1,516,764
1,430,492
Purchase of premises and equipment
-
9,666
71,973
63,751
Purchase of restricted stock
-
0
0
7,400
Proceeds from redemption of restricted stock
-
146,800
-
-
Redemption (purchase) of restricted stock
-70,600
-
-
-
Net cash used in investing activities
-1,216,054
5,374,310
-1,274,160
-1,142,899
Net (decrease) increase in deposit accounts
-2,240,650
-4,187,631
6,273,775
-2,698,697
Proceeds from federal home loan bank advances
8,034,000
8,865,000
5,225,000
13,612,000
Repayment of federal home loan bank advances
4,434,000
9,696,000
11,702,000
8,947,000
Increase in advances from borrowers for taxes and insurance
239,512
-240,526
306,536
-253,674
Net cash provided by financing activities
1,598,862
-5,259,157
103,311
1,712,629
Increase in cash and cash equivalents
509,890
-106,044
-1,157,505
504,746
Cash and cash equivalents, beginning of period
1,455,390
2,718,939
2,718,939
2,077,767
Cash and cash equivalents, end of period
1,965,280
1,455,390
1,561,434
2,718,939
Unit: Dollar. Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Proceeds from federalhome loan bank...$8,034,000 (-38.39%↓ Y/Y)Other assets-$77,756 (-107.15%↓ Y/Y)Depreciation andamortization$60,471 (-2.45%↓ Y/Y)Increase in advances fromborrowers for taxes and...$239,512 (-8.64%↓ Y/Y)Accrued interestreceivable-$28,394 (-119.61%↓ Y/Y)Provision for creditlosses$20,778 (-74.15%↓ Y/Y)Amortization of premiums anddiscounts$19,656 (-40.86%↓ Y/Y)Stock awards andoptions compensation...$19,642 Release of esop shares$5,346 (-29.45%↓ Y/Y)Net cash provided byfinancing activities$1,598,862 (26.36%↑ Y/Y)Net cash provided by(used in) operating...$127,082 (382.22%↑ Y/Y)Canceled cashflow$6,674,650 Canceled cashflow$104,961 Increase in cash and cashequivalents$509,890 (273.75%↑ Y/Y)Canceled cashflow$1,216,054 Repayment of federal homeloan bank advances$4,434,000 (-73.18%↓ Y/Y)Net (decrease)increase in deposit...-$2,240,650 (-149.81%↓ Y/Y)Proceeds from calls,maturities and paydowns of...$212,546 (-39.11%↓ Y/Y)Redemption (purchase) ofrestricted stock-$70,600 Accrued interestpayable and other...-$55,469 (-58.00%↓ Y/Y)Increase in cashsurrender value of bank...$34,305 (11.24%↑ Y/Y)Accretion (amortization)of deferred loan...$13,679 (-44.64%↓ Y/Y)Net loss-$1,508 (98.88%↑ Y/Y)Net cash used ininvesting activities-$1,216,054 (-12.20%↓ Y/Y)Canceled cashflow$283,146 Net change in loans$1,499,200 (7.45%↑ Y/Y)