| Cash Flow | 2025-06-30 |
|---|---|
| Earnings on investment in bank owned life insurance | -52 |
| Loss on sale of available-for-sale securities | -1 |
| Gain on sale of residential mortgage loans | -65 |
| Net income (loss) | -48 |
| Depreciation and amortization | 265 |
| Provision for credit losses | 621 |
| Net amortization of premiums and discounts on securities | -52 |
| Proceeds from sale of residential mortgage loans | 4,618 |
| Loans originated and sold | -4,554 |
| Deferred income tax benefit | -47 |
| Loss (gain) on sale of fixed assets | 1 |
| Amortization of deferred loan fees | 41 |
| Esop compensation expense | 9 |
| Stock based compensation expense | 32 |
| Increase in accrued interest receivable | -123 |
| Increase in other assets | -838 |
| Increase in other liabilities | 233 |
| Net cash flow provided by operating activities | 41 |
| Proceeds from calls and maturities | 10,230 |
| Principal repayments | 312 |
| Purchases | -12,725 |
| Purchase of federal home loan bank of new york stock | -855 |
| Redemption of federal home loan bank of new york stock | 763 |
| Loan originations and principal collections, net | -7,829 |
| Purchases of premises and equipment | -1,958 |
| Net cash flow used in investing activities | -12,062 |
| Increase in deposits | 18,246 |
| Increase in advances from borrowers for taxes and insurance | 659 |
| Payments on acquisition contingent consideration | -156 |
| Repayment of long-term fhlb advances | -14,500 |
| Proceeds from long-term fhlb advances | 13,814 |
| Net cash flow (used in) provided by financing activities | 18,063 |
| Net change in cash and cash equivalents | 6,042 |
| Cash and cash equivalents at beginning of period | 6,788 |
| Cash and cash equivalents at end of period | 12,830 |
Seneca Bancorp, Inc. (SNNF)
Seneca Bancorp, Inc. (SNNF)