XML 21 R8.htm IDEA: XBRL DOCUMENT v3.25.4
Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
6 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Cash flows from operating activities:    
Net income (loss) $ 648 $ (2)
Adjustments to reconcile net income (loss) to net cash from operating activities    
Depreciation 96 103
Amortization of deferred loan origination fees, net (99) (13)
Amortization of premiums on investment securities (23) (10)
Net gain on sale of loans (166) (141)
Earnings on bank-owned life insurance (44) (43)
Provision for credit losses 10 15
Origination of loans held for sale (5,836) (3,656)
Proceeds from loans held for sale 6,256 3,791
Deferred Income Taxes 63 30
Accrued Income Tax (162)
Increase (decrease) in cash, due to changes in:    
Accrued interest receivable (31) (95)
Prepaid expenses and other assets (166) (52)
Accrued interest payable (439) 302
Other liabilities 40 (189)
Net cash provided by operating activities 147 40
Cash flows from investing activities:    
Purchase of securities available for sale (2,405)
Securities maturities, prepayments and calls:    
Held to maturity 17 22
Available for sale 1,114 1,111
Proceeds from redemption of FHLB stock 617 133
Purchase of FHLB stock (442) (342)
Loans originated for investment, net of principal collected (2,492) 2,791
Additions to premises and equipment, net (69) (83)
Net cash provided by (used in) investing activities (3,660) 3,632
Cash flows from financing activities:    
Net change in deposits (4,369) 6,916
Payments by borrowers for taxes and insurance, net (614) (703)
Proceeds from Federal Home Loan Bank advances 27,102 14,446
Repayments on Federal Home Loan Bank advances (18,414) (21,642)
Net cash provided by (used in) financing activities 3,705 (983)
Net increase in cash and cash equivalents 192 2,689
Beginning cash and cash equivalents 19,480 18,287
Ending cash and cash equivalents 19,672 20,976
Cash paid during the period for:    
Income taxes 305
Interest on deposits and borrowings $ 5,068 $ 5,194