| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 9,384 | 5,796 |
| Depreciation expense | 1,616 | 1,076 |
| Discount accretion and premium amortization, net | -2,417 | -1,700 |
| (reversal of) provision for credit losses | -200 | 0 |
| Earnings on boli | 542 | 356 |
| Gain on sale of loans | 638 | 381 |
| Gain on sale of investments | 22 | 22 |
| Gain on sale of land held for sale | 62 | 62 |
| Amortization of operating lease rou assets | 361 | 244 |
| Proceeds from sale of loans held for sale | 27,214 | 17,020 |
| Origination of loans held for sale | 27,021 | 18,268 |
| Decrease (increase) in accrued interest receivable | -108 | -278 |
| Change in other assets | 625 | -332 |
| Change in lease liabilities and other liabilities | -365 | -1,776 |
| Net cash provided by operating activities | 11,625 | 5,581 |
| Purchase of afs securities | 216,715 | 111,692 |
| Proceeds from paydowns and maturities of afs securities | 51,994 | 30,183 |
| Proceeds from sales of afs securities | 24,340 | 24,340 |
| Purchase of htm securities | 1,783 | 1,783 |
| Proceeds from paydowns and maturities of htm securities | 21,895 | 17,538 |
| Purchase of fhlb stock | 1,181 | 41 |
| Redemption of fhlb stock | 1,187 | - |
| Purchase of boli | 5,000 | - |
| Net decrease (increase) in loans receivable | -9,751 | -1,049 |
| Proceeds from sale of land held for sale | 298 | 298 |
| Purchase and improvement of premises and equipment | 5,486 | 5,145 |
| Net cash used by investing activities | -120,700 | -45,253 |
| Increase in deposit accounts | 41,437 | 59,168 |
| (decrease) increase in other borrowings, net | -3,920 | -3,398 |
| Proceeds from frb borrowings | 0 | 0 |
| Repayment of frb borrowings | 50,000 | 50,000 |
| Purchases of treasury stock | 1,958 | 101 |
| Proceeds from employee stock purchase plan | 32 | 20 |
| Dividends to common stock shareholders | 1,743 | 1,274 |
| Dividends to preferred stock shareholder | 1,245 | 830 |
| Net cash (used) provided by financing activities | -17,397 | 3,585 |
| Net (decrease) increase in cash and cash equivalents | -126,472 | -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)