For the quarter ending 2025-12-31, RVSB had -$4,168K decrease in cash & cash equivalents over the period. -$736K in free cash flow.
| Cash Flow | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Net income | 1,377 | 1,099 | 1,225 |
| Depreciation and amortization | 836 | 835 | 873 |
| Purchased loans (accretion) amortization, net | -21 | -24 | 46 |
| Provision for credit losses | 100 | - | - |
| Stock-based compensation expense | 156 | 209 | 109 |
| Decrease in deferred loan origination fees, net of amortization | 40 | -86 | 125 |
| Net gain on sales of premises and equipment | 0 | 23 | - |
| Income from boli | 231 | 290 | 222 |
| Prepaid expenses and other assets | -269 | -64 | -195 |
| Accrued interest receivable | 335 | -20 | -32 |
| Accrued expenses and other liabilities | -2,659 | 14,731 | -2,738 |
| Net cash provided by operating activities | -506 | 16,755 | -697 |
| Loan (originations) repayments, net | - | 1,268 | -5,172 |
| Loan originations, net | 602 | - | - |
| Purchases of loans receivable | 10,695 | 952 | 10,570 |
| Principal repayments on investment securities available for sale | 1,642 | 2,161 | 1,965 |
| Purchases of investment securities available for sale | 778 | - | - |
| Proceeds from calls and maturities of investment securities | 6,000 | - | - |
| Redemption (purchase) of fhlb stock, net | - | -2,259 | 1,174 |
| Principal repayments on investment securities held to maturity | 3,570 | 4,626 | 5,497 |
| Proceeds from sale of shares in trading asset - visa stock | 0 | 0 | 248 |
| Purchases of premises and equipment and capitalized software | 230 | 393 | 76 |
| Redemption of fhlb stock, net | 716 | - | - |
| Proceeds from sales of premises and equipment | 0 | 66 | - |
| Proceeds from death benefit on boli | 0 | 0 | 1,223 |
| Purchased boli | 1,399 | - | - |
| Net cash provided by investing activities | -6,765 | 6,499 | 2,285 |
| Net increase (decrease) in deposits | -2,906 | 26,531 | -22,435 |
| Dividends paid | 418 | 418 | 420 |
| Proceeds from borrowings | 218,500 | 127,500 | 237,400 |
| Repayment of borrowings | 210,300 | 177,700 | 211,300 |
| Net increase in advance payments by borrowers for taxes and insurance | -545 | 300 | -56 |
| Principal payments on finance lease liability | 20 | 19 | 19 |
| Repurchase of common stock | 1,208 | 811 | - |
| Net cash used in financing activities | 3,103 | -24,617 | 3,170 |
| Net (decrease) increase in cash and cash equivalents | -4,168 | -1,363 | 4,758 |
| Cash and cash equivalents at beginning of period | 32,809 | 29,414 | - |
| Cash and cash equivalents at end of period | 28,641 | 32,809 | - |
RIVERVIEW BANCORP INC (RVSB)
RIVERVIEW BANCORP INC (RVSB)