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CARV • CIK 0001016178
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases | $25,073 | $29,651 | $30,025 | $29,438 |
| Interest Income, Securities, Mortgage Backed | $619 | $583 | $536 | $519 |
| Investment Income, Interest | $929 | $1,131 | $1,067 | $934 |
| Interest Income (Expense), Net | $22,789 | $22,561 | $19,151 | $18,425 |
| Interest and Other Income | $1,079 | $2,654 | $2,654 | $2,129 |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal | — | $83 | $1,191 | $429 |
| Interest and Dividend Income, Operating | $27,700 | $34,019 | $34,282 | $33,020 |
| Interest Income (Expense), after Provision for Loan Loss | $22,689 | $22,478 | $17,960 | $17,996 |
| Income (Loss) Attributable to Parent, before Tax | $-4,401 | $-2,977 | $-13,744 | $-13,744 |
| Income Tax Expense (Benefit) | $0 | $0 | $0 | $0 |
| Interest Expense, Deposits | $3,708 | $9,079 | $13,038 | $13,127 |
| Interest Expense, Borrowings | $1,203 | $2,379 | $2,093 | $1,468 |
| InterestExpenseOperating | — | — | $15,131 | $14,595 |
| Other Recurring Income | $2,197 | $2,208 | $2,383 | $2,648 |
| Fees and Commissions, Mortgage Banking and Servicing | $480 | $493 | $238 | $601 |
| Gain (Loss) on Sales of Loans, Net | $107 | $30 | $-191 | $0 |
| Other Nonoperating Gains (Losses) | $439 | $3,050 | $80 | $0 |
| Noninterest Income, Other | $372 | $942 | $576 | $1,065 |
| Noninterest Income | $3,595 | $6,723 | $3,086 | $4,314 |
| Salary and Wage, Excluding Cost of Good and Service Sold | $13,186 | $13,548 | $14,825 | $14,995 |
| Occupancy, Net | $4,604 | $4,545 | $5,007 | $4,956 |
| Equipment Expense | $2,240 | $2,047 | $2,414 | $2,513 |
| Information Technology and Data Processing | $2,562 | $2,972 | $3,037 | $2,800 |
| Selling, General and Administrative Expense | $505 | $481 | $596 | $596 |
| Federal Deposit Insurance Corporation Premium Expense | $389 | $596 | $701 | $819 |
| Other Noninterest Expense | $7,199 | $7,989 | $8,210 | $8,079 |
| Noninterest Expense | $30,685 | $32,178 | $34,790 | $35,337 |
| Noninterest Expense Directors Fees | $373 | $402 | — | — |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $-9,954 | $-3,467 | $-12,992 | $-13,188 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 |
|---|
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $-4,401 | $-2,977 | $-13,744 | $-13,027 |
| Net Cash Provided by (Used in) Operating Activities | $-10,513 | $-6,571 | $-12,609 | $-9,048 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $-18,466 | $16,473 | $-8,710 | $-13,798 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $42,552 | $59,025 | $50,315 | $47,806 |
| FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal | — | $83 | $1,191 | $429 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $7,812 | $5,032 | $4,060 | $3,702 |
| Share-based Payment Arrangement, Noncash Expense | $91 | $220 | $66 | $52 |
| Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities | $2,927 | $304 | $253 | $209 |
| Depreciation | $1,058 | $965 | $813 | $742 |
| Proceeds from Life Insurance Policy | — | — | $753 | $753 |
| Gain (Loss) on Sale of Loans and Leases | $107 | $30 | $-191 | $-191 |
| Payments for (Proceeds from) Other Loans and Leases | $9,934 | $-6,275 | $-24,227 | $-38,321 |
| Bank Owned Life Insurance Income | — | $459 | $179 | $182 |
| Payments to Acquire Other Investments | — | $603 | $0 | $0 |
| Increase (Decrease) in Loans, Deferred Income | $202 | $-216 | $-214 | $-361 |
| Payments to Acquire Loans Held-for-investment | $14,289 | $31,526 | $15,369 | $17,636 |
| Accretion (Amortization) of Discounts and Premiums, Investments | $-397 | $-298 | $-203 | $-183 |
| Proceeds from Sale of Loans Held-for-investment | $1,129 | $563 | $335 | $742 |
| Increase (Decrease) in Accrued Interest Receivable, Net | $-503 | $1,751 | $-682 | $-1,762 |
| Payments for (Proceeds from) Federal Home Loan Bank Stock | $1,682 | $-262 | $-1,151 | $-517 |
| Increase (Decrease) in Other Operating Assets | $-480 | $541 | $1,094 | $3 |
| Payments to Acquire Property, Plant, and Equipment | $225 | $360 | $331 | $355 |
| Increase (Decrease) in Other Operating Liabilities | $-8,432 | $-3,054 | $-952 | $715 |
| Net Cash Provided by (Used in) Investing Activities | $-15,262 | $-20,053 | $15,079 | $30,988 |
| Increase (Decrease) in Deposits | $-27,688 | $46,570 | $14,838 | $-25,219 |
| Repayments of Short-term Debt | — | $10,000 | $0 | $0 |
| Proceeds from Issuance of Long-term Debt | $25,000 | $5,527 | $1,814 | $4,127 |
| Repayments of Long-term Debt | $3 | $0 | $28,027 | $19,841 |
| Proceeds from Issuance of Common Stock | $0 | $1,000 | $195 | $195 |
| Net Cash Provided by (Used in) Financing Activities | $7,309 | $43,097 | $-11,180 | $-35,738 |
| Conversion of Stock, Amount Converted | $550 | $3,644 | $0 | $0 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $4,621 | $10,711 | $15,210 | $14,291 |
| Income Taxes Paid | $193 | $232 | $222 | $205 |