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Cash Flow Overview

Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Net increase in deposits
    • Repayment of long-term federal h...
    • Maturities, calls and prepayment...
    • Others
Negative Cash Flow Breakdown
    • Net change in short-term federal...
    • Purchases
    • Loan originations, net of princi...
    • Others
Cash Flow
2025-12-31
2025-09-30
2025-06-30
Net income (loss)
1,074
962
-874
Provision for credit losses
388
-320
2,066
Net amortization of securities
3
21
360
Depreciation and amortization
321
223
847
Increase in cash surrender value of bank owned life insurance
119
119
466
Amortization (accretion) of net deferred loan origination fees
-55
17
86
Losses on sale of securities available for sale, net
0
-317
-
Gain on marketable equity securities, net
0
0
374
Contribution of stock to charitable foundation
-
-
-1,859
Deferred tax provision
224
64
-1,242
Accrued interest receivable
168
131
162
Other assets
147
-735
-1,543
Accrued expenses and other liabilities
-80
-378
-1,006
Net cash provided (used) by operating activities
1,551
1,357
2,465
Maturities, calls and prepayments
2,899
1,784
15,575
Sales
0
7,195
2,486
Purchases
11,954
15,789
30,969
Maturities, calls and prepayments
1,703
1,516
13,368
Purchases
0
4,954
15,139
Purchase of federal home loan bank stock
-
650
515
Purchase (redemption) of federal home loan bank stock
-116
-
-
Loan originations, net of principal payments
7,375
42,422
71,250
Purchase of premises and equipment, net
61
-8
284
Net cash used by investing activities
-14,022
-53,312
-86,728
Net increase in deposits
29,901
37,239
43,789
Net change in short-term federal home loan bank advances
-32,000
33,000
13,531
Proceeds from long-term federal home loan bank advances
0
-
17,000
Repayment of long-term federal home loan bank advances
-11,596
16,000
13,000
Net proceeds from stock offering and issuance of common shares
-
-
37,805
Purchase of common shares by the esop
-
-
3,346
Contribution of cash to the mhc
-
-
-500
Net increase in mortgagors' escrow accounts
42
189
114
Net cash provided by financing activities
9,539
54,428
95,393
Net change in cash and cash equivalents
-2,932
2,473
11,130
Cash and cash equivalents at beginning of period
57,717
55,244
-
Cash and cash equivalents at end of period
54,785
57,717
-
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Net increase indeposits$29,901K Net income (loss)$1,074K Provision for creditlosses$388K Depreciation andamortization$321K Repayment of long-termfederal home loan bank...-$11,596K Net increase inmortgagors' escrow accounts$42K Deferred tax provision$224K Amortization (accretion) ofnet deferred loan...-$55K Net amortization ofsecurities$3K Net cash provided byfinancing activities$9,539K Net cash provided(used) by operating...$1,551K Canceled cashflow$32,000K Canceled cashflow$514K Net change in cashand cash...-$2,932K Canceled cashflow$11,090K Maturities, calls andprepayments$2,899K Maturities, calls andprepayments$1,703K Purchase (redemption) offederal home loan bank...-$116K Net change inshort-term federal home...-$32,000K Accrued interestreceivable$168K Other assets$147K Increase in cashsurrender value of bank...$119K Accrued expenses andother liabilities-$80K Net cash used byinvesting activities-$14,022K Canceled cashflow$4,718K Purchases$11,954K Loan originations,net of principal...$7,375K

Winchester Bancorp, Inc. MD (WSBK)

Winchester Bancorp, Inc. MD (WSBK)