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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 Overview

Change in Cash
-$1,157,505
Free Cash flow
-$58,629
Unit: Dollar
Positive Cash Flow Breakdown
    • Net increase (decrease) in depos...
    • Proceeds from federal home loan ...
    • Proceeds from calls, maturities ...
    • Others
Negative Cash Flow Breakdown
    • Repayment of federal home loan b...
    • Net change in loans
    • Provision for credit losses
    • Others

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 -
Unit: Dollar. Numbers labeled with * are estimated quarterly values.

Time Plot

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

Cash Flow

Net increase(decrease) in deposit...$6,273,775 Other assets-$61,544 Proceeds from federalhome loan bank...$5,225,000 Increase in advances fromborrowers for taxes and...$306,536 Depreciation andamortization$60,876 Amortization of premiums anddiscounts$33,174 Net loss$17,845 Release of esop shares$5,216 Benefit for deferredincome taxes$1 Net cash provided by(used in) financing...$103,311 Net cash (used in)provided by operating...$13,344 Canceled cashflow$11,702,000 Canceled cashflow$165,312 Decrease in cash and cashequivalents-$1,157,505 Canceled cashflow$116,655 Proceeds from calls,maturities and paydowns of...$314,577 Repayment of federal homeloan bank advances$11,702,000 Provision for creditlosses-$80,591 Accrued interestpayable and other...-$33,575 Increase in cashsurrender value of bank...$32,243 Accretion of deferred loanfees$11,418 Accrued interestreceivable$7,485 Net cash (used in)provided by investing...-$1,274,160 Canceled cashflow$314,577 Net change in loans$1,516,764 Purchase of premises andequipment$71,973

Monroe Federal Bancorp, Inc. (MFBI)

Monroe Federal Bancorp, Inc. (MFBI)