PDLB: the cashflow

MyFinsight

For the quarter ending 2025-09-30, PDLB had $19,940K increase in cash & cash equivalents over the period. $786K in free cash flow.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Cash Flow	2025-09-30	2025-06-30
Net income	6,508	12,059
Amortization of premiums/discounts on securities, net	15	39
Gain on sale of loans	166	721
Provision for credit losses	1,364	1,341
Depreciation and amortization	1,151	2,427
Esop compensation expense	520	1,053
Share-based compensation expense	458	955
Deferred income taxes	-650	-678
Decrease in mortgage loans held for sale, fair value	-75	-5,350
(increase) decrease in accrued interest receivable	-223	1,355
Increase in other assets	6,427	1,670
Increase (decrease) in accrued interest payable	211	449
Decrease in operating lease liabilities	-660	-1,355
Increase in advance payments by borrowers	-	593
Increase in other liabilities	-607	852
Net cash provided by (used in) operating activities	1,392	19,261
Net redemption and (purchase) of fhlbny stock	-675	-2,562
Proceeds from maturities, calls and principal repayments on securities	55,332	42,382
Proceeds from sale of loans	915	5,738
Net increase in loans	33,120	179,518
Purchases of premises and equipment	606	407
Net cash used in investing activities	23,196	-129,243
Net increase in deposits	10,523	157,345
Stock options exercised	110	-
Net repayments from borrowings	-15,000	-60,000
Dividends paid on preferred stock	281	563
Net cash provided by financing activities	-4,648	96,782
Net increase in cash and cash equivalents	19,940	-13,200
Cash and cash equivalents at beginning of period	139,839	-
Cash and cash equivalents at end of period	146,579	-

Unit: Thousand (K) dollars