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BYFC • CIK 0001001171
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Dividend Income, Operating | $47,228 | $62,209 | $61,282 | $66,096 |
| InterestExpenseOperating | — | $30,440 | $28,135 | $30,206 |
| Other Noninterest Expense | $2,199 | $2,907 | $3,058 | $3,396 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $6,523 | $2,765 | $-24,470 | $-18,824 |
| Income Tax Expense (Benefit) | $1,985 | $814 | $338 | $1,740 |
| Net Income (Loss) Attributable to Parent | $4,514 | $1,926 | $-24,795 | $-20,731 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Off-Balance Sheet, Credit Loss, Liability | $364 | $277 | $224 | $203 |
| Off-Balance Sheet, Credit Loss, Liability, Credit Loss Expense (Reversal) | $-2 | $91 | $53 | $21 |
| Cash and Cash Equivalents, at Carrying Value | $105,195 | $61,365 | $10,507 | $48,905 |
| Other Assets | $3,543 | $2,786 | $7,162 | $3,891 |
| Assets | $1,375,404 | $1,303,711 | $1,345,569 | $1,563,699 |
| Accrued Liabilities and Other Liabilities | $13,878 | $10,794 | $12,236 | $10,639 |
| Stockholders' Equity Attributable to Parent | $281,903 | $285,157 | $262,751 | $262,304 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $89,090 | $-43,830 | $-50,858 | $19,391 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $105,195 | $61,365 | $10,507 | $21,319 |
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $4,538 | $1,951 | $-24,808 | $-20,564 |
| Net Cash Provided by (Used in) Operating Activities | $7,594 | $1,393 | $230 | $6,743 |
| Payments for (Proceeds from) Loans and Leases | $115,331 | $89,285 | $19,048 | $152,237 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $18,395 | $117,127 | $105,142 | $82,620 |
| Payments to Acquire Debt Securities, Available-for-sale | $0 | — | $150,468 | $229,687 |
| Payments to Acquire Federal Home Loan Bank Stock | $13,287 | $13,654 | $16,081 | $23,768 |
| Proceeds from Sale of Federal Home Loan Bank Stock | $8,667 | $14,173 | $21,301 | $22,065 |
| Payment to Acquire Life Insurance Policy, Investing Activities | — | — | $20,000 | $20,000 |
| Payments to Acquire Property, Plant, and Equipment | $208 | $138 | $243 | $559 |
| Net Cash Provided by (Used in) Investing Activities | $-100,044 | $28,223 | $-79,397 | $-321,566 |
| Increase (Decrease) in Deposits | $-4,281 | $62,764 | $172,204 | $315,729 |
| Increase (Decrease) in Federal Funds Purchased and Securities Sold under Agreements to Repurchase, Net | $10,004 | $-6,865 | $14,163 | $18,142 |
| Repayments of Notes Payable | — | $14,000 | $0 | $0 |
| Payments of Ordinary Dividends, Preferred Stock and Preference Stock | $0 | $1,567 | $3,000 | $3,000 |
| Proceeds from Issuance of Secured Debt | — | — | $0 | $-2,288 |
| Repayments of Secured Debt | — | — | $31,356 | $27,999 |
| Proceeds from FHLBank Borrowings, Financing Activities | $456,138 | $339,000 | $955,750 | $1,028,500 |
| Payments of FHLBank Borrowings, Financing Activities | $375,140 | $352,778 | $1,079,282 | $994,500 |
| Net Cash Provided by (Used in) Financing Activities | $181,540 | $-73,446 | $28,309 | $334,214 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $16,921 | $30,628 | $27,851 | $30,555 |
| Income Taxes Paid, Net | $2,036 | $416 | $325 | $498 |
| Depreciation, Depletion and Amortization | $385 | $424 | $410 | $421 |
| Amortization of Deferred Loan Origination Fees, Net | $-413 | $-641 | $-531 | $-608 |
| Accretion (Amortization) of Discounts and Premiums, Investments | $1,044 | $807 | $387 | $584 |
| Amortization of Intangible Assets | $390 | $336 | $315 | $309 |
| Employee Stock Ownership Plan (ESOP), Compensation Expense | $307 | $202 | $149 | $196 |
| Bank Owned Life Insurance Income | $42 | $46 | $342 | $836 |
| Goodwill, Impairment Loss | $0 | $0 | $25,858 | $25,858 |
| Increase (Decrease) in Deferred Income Taxes | $-1,238 | $195 | $-27 | $-878 |
| Increase (Decrease) in Interest and Dividends Receivable | $965 | $63 | $998 | $1,637 |
| Increase (Decrease) in Other Operating Assets | $677 | $-1,412 | $4,376 | $1,522 |
| Increase (Decrease) in Accrued Liabilities and Other Operating Liabilities | $2,287 | $-3,084 | $1,442 | $950 |
| Net Income (Loss) Attributable to Parent | $4,514 | $1,926 | $-24,795 | $-20,731 |