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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
 6 Months Ended
Mar. 31, 2023
Mar. 31, 2022
Operating activities    
Net income $ 3,606 $ 3,372
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation expense 415 417
Premium amortization on investment securities, net 80 104
Provision for loan losses 513 171
Originations of SBA loans held for sale (3,887) (3,591)
Proceeds from the sales of SBA loans 4,268 4,011
Gains on sale of SBA loans (381) (420)
ESOP compensation expense 74 101
Stock-based compensation expense 341
Deferred income tax (benefit) expense (357) 85
Increase in accrued interest receivable (491) (49)
Increase in surrender value of bank owned life insurance (185) (181)
Increase in other assets (227) (845)
Increase (decrease) in accrued interest payable 151 (12)
Increase (decrease) in accounts payable and other liabilities 290 (416)
Net cash provided by operating activities 4,210 2,747
Investing activities    
Net increase in loans receivable (40,845) (24,283)
Purchases of loans receivable (7,091)
Purchases of investment securities held to maturity (29,297)
Principal repayments on investment securities held to maturity 1,878 2,595
Principal repayments on investment securities available for sale 421 1,103
Purchases of bank owned life insurance (3,000)
Purchases of premises and equipment (140) (161)
Investment in other real estate owned (11) (12)
(Purchase) redemption of Federal Home Loan Bank stock (489) 177
Net cash used in investing activities (46,277) (52,878)
Financing activities    
Net increase in deposits 30,158 35,435
Purchase of common stock for ESOP (98)
Net (decrease) increase in escrowed funds (1,857) 117
Proceeds from long-term advances 13,000
Repayments of long-term advances (3,091) (4,206)
Cash dividends paid on common stock (923) (1,019)
Purchase of treasury stock (724)
Net cash provided by financing activities 36,563 30,229
Net decrease in cash and cash equivalents (5,504) (19,902)
Cash and cash equivalents, beginning of year 30,936 75,201
Cash and cash equivalents, end of year 25,432 55,299
Cash paid for    
Interest 3,687 1,108
Income taxes $ 1,850 $ 1,500