For the quarter ending 2025-12-31, MFBI had -$1,157,505 decrease in cash & cash equivalents over the period. -$58,629 in free cash flow.
| Cash Flow | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Net loss | 17,845 | -93,503 | -135,112 |
| Depreciation and amortization | 60,876 | 57,320 | 61,987 |
| Amortization of premiums and discounts | 33,174 | 33,305 | 33,235 |
| Accretion of deferred loan fees | 11,418 | 13,335 | 24,707 |
| Benefit for deferred income taxes | 1 | -23,504 | -52,916 |
| Provision for credit losses | -80,591 | 10,944 | 80,388 |
| Increase in cash surrender value of bank owned life insurance | 32,243 | 31,841 | 30,840 |
| Release of esop shares | 5,216 | 7,024 | 7,578 |
| Accrued interest receivable | 7,485 | 37,726 | -12,929 |
| Other assets | -61,544 | 17,217 | -37,536 |
| Accrued interest payable and other liabilities | -33,575 | 43,549 | -35,108 |
| Net cash (used in) provided by operating activities | 13,344 | -64,984 | -45,030 |
| Proceeds from calls, maturities and paydowns of available-for-sale securities | 314,577 | 358,744 | 349,080 |
| Net change in loans | 1,516,764 | 1,430,492 | 1,395,191 |
| Purchase of premises and equipment | 71,973 | 63,751 | 6,749 |
| Purchase of restricted stock | 0 | 7,400 | 31,000 |
| Net cash (used in) provided by investing activities | -1,274,160 | -1,142,899 | -1,083,860 |
| Net increase (decrease) in deposit accounts | 6,273,775 | -2,698,697 | 4,498,144 |
| Proceeds from federal home loan bank advances | 5,225,000 | 13,612,000 | 13,040,000 |
| Repayment of federal home loan bank advances | 11,702,000 | 8,947,000 | 16,535,000 |
| Increase in advances from borrowers for taxes and insurance | 306,536 | -253,674 | 262,172 |
| Net cash provided by (used in) financing activities | 103,311 | 1,712,629 | 1,265,316 |
| Decrease in cash and cash equivalents | -1,157,505 | 504,746 | 136,426 |
| Cash and cash equivalents at beginning of period | 2,718,939 | 2,077,767 | - |
| Cash and cash equivalents at end of period | 1,561,434 | 2,718,939 | - |
Monroe Federal Bancorp, Inc. (MFBI)
Monroe Federal Bancorp, Inc. (MFBI)