XML 18 R8.htm IDEA: XBRL DOCUMENT v3.25.3
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 3 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Cash Flows From Operating Activities:    
Net Income (Loss) $ 15,650 $ 12,458
Items not requiring (providing) cash:    
Depreciation 1,642 1,608
Loss on disposal of fixed assets   67
Stock option and stock grant expense 136 128
Loss on sale/write-down of foreclosed property 15 29
Amortization of intangible assets 857 897
Accretion of purchase accounting adjustments (858) (937)
Increase in cash surrender value of bank owned life insurance (BOLI) (548) (517)
Provision for credit losses 4,500 2,159
Net amortization of premiums and discounts on securities (220) (444)
Originations of loans held for sale (5,998) (4,637)
Proceeds from sales of loans held for sale 6,327 5,248
Gain on sales of loans held for sale (175) (361)
Changes in:    
Accrued interest receivable (4,573) (5,123)
Prepaid expenses and other assets (70) (363)
Accounts payable and other liabilities (2,412) 965
Deferred income taxes 879  
Accrued interest payable 1,148 (1,185)
Net cash provided by operating activities 16,300 9,992
Cash Flows From Investing Activities:    
Net increase in loans (94,448) (116,106)
Net change in interest-bearing deposits 1 248
Proceeds from maturities of available for sale securities 18,036 19,708
Purchases of Federal Home Loan Bank stock (113) (259)
Redemptions of Federal Home Loan Bank stock 127  
Purchases of Federal Reserve Bank of St. Louis stock (3) (3)
Purchases of available-for-sale securities (6,969) (2,737)
Purchases of long-term investments and other assets (150) (50)
Redemptions of long-term investments and other assets 432  
Purchases of premises and equipment (901) (1,431)
Proceeds from sale of foreclosed assets 82 4
Net cash used in investing activities (83,906) (100,626)
Cash Flows From Financing Activities:    
Net increase (decrease) in demand deposits and savings accounts 37,970 (87,791)
Net (decrease) increase in certificates of deposits (38,832) 184,874
Net increase in securities sold under agreements to repurchase 5,000 5,602
Proceeds from Federal Home Loan Bank advances 1,300 260,000
Repayments of Federal Home Loan Bank advances (3,314) (255,014)
Purchase of treasury stock (446)  
Dividends paid on common stock (2,820) (2,594)
Net cash (used in) provided by financing activities (1,142) 105,077
(Decrease) increase in cash and cash equivalents (68,748) 14,443
Cash and cash equivalents at beginning of period 192,859 60,904
Cash and cash equivalents at end of period 124,111 75,347
Noncash investing and financing activities:    
Conversion of loans to foreclosed real estate 395  
Conversion of loans to repossessed assets 75 7
Right of use (ROU) assets obtained in exchange for lease obligations: Operating Leases 30  
Cash paid during the period for:    
Interest (net of interest credited) 1,753 1,978
Income taxes $ 6,066 $ 4,022