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v3.25.2

Consolidated Statements of Cash Flows - USD ($) $ in Thousands | 3 Months Ended
--- | ---
Mar. 31, 2025 | Mar. 31, 2024
Cash flows from operating activities: |  |
Net loss | $ (1,861) | $ (183)
Adjustments to reconcile net loss to net cash used in operating activities: |  |
Provision for credit losses | 689 | 260
Depreciation | 102 | 164
Net change of deferred loan origination costs | 114 | 137
Net accretion of premiums and discounts on available-for-sale securities | (57) | (253)
Accretion of purchase accounting marks on loans | (103) | (32)
Amortization of core deposit intangible | 79 | 84
Accretion of premium on FHLB advances | 0 | (4)
ESOP compensation expense | 50 | 47
Earnings on bank owned life insurance | (11) | (11)
Change in assets and liabilities: |  |
Net change in deferred taxes | 0 | (57)
Net change in accrued interest receivable | (623) | (700)
Net change in other assets | (686) | (9,857)
Net change in accrued expenses and other liabilities | (2,308) | (1,336)
Net cash used in operating activities | (4,348) | (11,664)
Cash flows from investing activities: |  |
Net change in loans receivable held for investment | (3,070) | (46,405)
Principal payments on available-for-sale securities | 20,396 | 23,157
Purchase of FHLB stock | (2,684) | (136)
Proceeds from redemption of FHLB stock | 7,705 | 0
Purchase of office properties and equipment | (15) | (55)
Net cash provided by (used in) investing activities | 22,332 | (23,439)
Cash flows from financing activities: |  |
Net change in deposits | 31,144 | 12,859
Net change in securities sold under agreements to repurchase | 14,168 | (1,794)
Repayment of notes payable | 0 | (14,000)
Cash dividends paid - preferred | (750) | 0
Proceeds from other borrowings | 9,415 | 0
Proceeds from FHLB advances | 176,500 | 0
Repayments of FHLB advances | (294,032) | (35)
Net cash used in financing activities | (63,555) | (2,970)
Net change in cash and cash equivalents | (45,571) | (38,073)
Cash and cash equivalents at beginning of the period | 61,365 | 105,195
Cash and cash equivalents at end of the period | 15,794 | 67,122
Supplemental disclosures of cash flow information: |  |
Cash paid for interest | 5,975 | 5,913
Cash paid for income taxes | 0 | 48
Directors [Member] |  |
Adjustments to reconcile net loss to net cash used in operating activities: |  |
Director compensation expense | 168 | 0
Employees, Excluding Directors [Member] |  |
Adjustments to reconcile net loss to net cash used in operating activities: |  |
Director compensation expense | $ 99 | $ 77

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- Definition Amount of noncash expense included in expense to accretion of (premium) discount associated with the Federal Home Loan Bank (FHLB) advances. + References No definition available. + Details
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- Definition Amount of credit loss expense (reversal of expense) for financing receivable, including off-balance sheet loan commitments. + References No definition available. + Details
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- Definition The sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by or used in operations using the indirect method. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Topic 230 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 28 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28 + Details
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- Definition The net increase(decrease) in interest income during the period representing the allocation of deferred loan origination fees less deferred loan origination costs using the effective interest method over the term of the debt arrangement to which they pertain taking into account the effect of prepayments. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 20 -Name Accounting Standards Codification -Section 35 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481655/310-20-35-2 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 230 -SubTopic 10 -Name Accounting Standards Codification -Section 45 -Paragraph 28 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28 + Details
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- Definition The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Section 45 -Paragraph 28 -Subparagraph (b) -SubTopic 10 -Topic 230 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 350 -SubTopic 30 -Name Accounting Standards Codification -Section 55 -Paragraph 40 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482640/350-30-55-40 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 350 -SubTopic 30 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482665/350-30-50-2 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 350 -SubTopic 30 -Name Accounting Standards Codification -Section 45 -Paragraph 2 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482686/350-30-45-2 + Details
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- Definition The aggregate expense recognized in the current period that allocates the cost of tangible assets, intangible assets, or depleting assets to periods that benefit from use of the assets. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Section 45 -Paragraph 28 -Subparagraph (b) -SubTopic 10 -Topic 230 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482740/230-10-45-28 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 48 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482785/280-10-55-48 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 49 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482785/280-10-55-49 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 270 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (i) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482964/270-10-50-1 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 32 -Subparagraph (ee) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-32 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 280 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 22 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482810/280-10-50-22 + Details
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