For the quarter ending 2025-12-31, MSBB had -$627,953 decrease in cash & cash equivalents over the period. $253,283 in free cash flow.
| Cash Flow | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Gain on sale of loans | - | 5,804 | 21,120 |
| Net income | 171,270 | 326,932 | 645,373 |
| Depreciation and amortization | 115,475 | 108,687 | 290,719 |
| Deferred income taxes | - | - | -46,391 |
| Amortization of premiums and discounts | -1,185 | 1,985 | 8,922 |
| Amortization of deferred loan fees | 26,342 | 27,714 | 59,408 |
| Deferred income taxes | -7,088 | 67,392 | - |
| Proceeds from sales of loans | - | 325,750 | 1,653,427 |
| Provision for credit losses | - | 0 | 66,000 |
| Esop compensation expense | 86,300 | 9,374 | 68,538 |
| Loans originated for sale | - | 325,750 | 1,639,617 |
| Loss on sale of investment securities | -12,088 | - | - |
| Gain on sale of foreclosed assets | 528 | 0 | 6,982 |
| Increase in cash surrender value of bank-owned life insurance | 12,206 | 12,098 | 35,176 |
| Share based compensation | 41,783 | 39,085 | 42,759 |
| Accrued interest receivable | -125,112 | 21,176 | -28,334 |
| Other assets | -122,149 | -31,807 | 1,313 |
| Other liabilities | -276,897 | -470,154 | 782,844 |
| Net cash provided by (used in) operating activities | 349,931 | 94,707 | 1,776,909 |
| Purchase of interest-bearing deposits in banks | - | 100,000 | - |
| Purchases of fhlb stock | - | 0 | 80,100 |
| Proceeds from maturities of interest-bearing deposits in banks | - | 100,000 | - |
| Purchases of available-for-sale securities | 2,266,933 | 0 | 277,432 |
| Proceeds from sales of available-for-sale securites | 2,058,697 | - | - |
| Proceeds from calls, maturities and paydowns of available-for-sale securities | 157,900 | 168,305 | 1,479,830 |
| Principal repayments on securities held-to-maturity | 4,082 | 4,915 | 19,575 |
| Net change in loans | -1,075,417 | -2,022,948 | -3,221,828 |
| Purchase of premises and equipment | 96,648 | 455,556 | 2,354,332 |
| Proceeds from redemption of fhlb stock | 161,200 | 570,900 | 173,600 |
| Proceeds from sale of foreclosed assets | 19,200 | 0 | 54,300 |
| Net cash provided (used in) investing activities | 1,112,915 | 2,311,512 | 2,237,269 |
| Net increase (decrease) in deposits | 2,929,911 | 4,123,655 | 5,307,417 |
| Proceeds from fhlb advances - short term | - | 4,000,000 | 71,000,000 |
| Repayment of fhlb advances - short term | 5,000,000 | 9,000,000 | 82,000,000 |
| Repurchase of common stock | 20,710 | 0 | 385,878 |
| Net used in financing activities | -2,090,799 | -876,345 | -6,078,461 |
| (decrease) increase in cash and cash equivalents | -627,953 | 1,529,874 | -2,064,283 |
| Cash and cash equivalents at beginning of period | 5,363,187 | 5,897,596 | - |
| Cash and cash equivalents at end of period | 4,735,234 | 5,363,187 | - |
Mercer Bancorp, Inc. (MSBB)
Mercer Bancorp, Inc. (MSBB)