For the quarter ending 2025-09-30, SFDL had -$90,385K decrease in cash & cash equivalents over the period. $5,703K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 3,588 | 5,796 |
| Depreciation expense | 540 | 1,076 |
| Discount accretion and premium amortization, net | -717 | -1,700 |
| (reversal of) provision for credit losses | -200 | 0 |
| Earnings on boli | 186 | 356 |
| Gain on sale of loans | 257 | 381 |
| Gain on sale of investments | 0 | 22 |
| Gain on sale of land held for sale | 0 | 62 |
| Amortization of operating lease rou assets | 117 | 244 |
| Proceeds from sale of loans held for sale | 10,194 | 17,020 |
| Origination of loans held for sale | 8,753 | 18,268 |
| Decrease (increase) in accrued interest receivable | 170 | -278 |
| Change in other assets | 957 | -332 |
| Change in lease liabilities and other liabilities | 1,411 | -1,776 |
| Net cash provided by operating activities | 6,044 | 5,581 |
| Purchase of afs securities | 105,023 | 111,692 |
| Proceeds from paydowns and maturities of afs securities | 21,811 | 30,183 |
| Proceeds from sales of afs securities | 0 | 24,340 |
| Purchase of htm securities | 0 | 1,783 |
| Proceeds from paydowns and maturities of htm securities | 4,357 | 17,538 |
| Purchase of fhlb stock | 1,140 | 41 |
| Redemption of fhlb stock | 1,187 | - |
| Purchase of boli | 5,000 | - |
| Net decrease (increase) in loans receivable | -8,702 | -1,049 |
| Proceeds from sale of land held for sale | 0 | 298 |
| Purchase and improvement of premises and equipment | 341 | 5,145 |
| Net cash used by investing activities | -75,447 | -45,253 |
| Increase in deposit accounts | -17,731 | 59,168 |
| (decrease) increase in other borrowings, net | -522 | -3,398 |
| Proceeds from frb borrowings | 0 | 0 |
| Repayment of frb borrowings | 0 | 50,000 |
| Purchases of treasury stock | 1,857 | 101 |
| Proceeds from employee stock purchase plan | 12 | 20 |
| Dividends to common stock shareholders | 469 | 1,274 |
| Dividends to preferred stock shareholder | 415 | 830 |
| Net cash (used) provided by financing activities | -20,982 | 3,585 |
| Net (decrease) increase in cash and cash equivalents | -90,385 | -36,087 |
| Cash and cash equivalents at beginning of period | 178,277 | - |
| Cash and cash equivalents at end of period | 51,805 | - |
SECURITY FEDERAL CORP (SFDL)
SECURITY FEDERAL CORP (SFDL)