Carver Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is April - March.

Millions USD. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Net Income	-13.03	-13.74	-2.98	-4.4	-0.85	-3.9
Depreciation & Amortization	0.74	0.81	0.97	1.06	1.03	1.02
Gain (Loss) on Sale of Assets	-	-	-	-	-	-0.08
Gain (Loss) on Sale of Investments	0.18	0.2	0.3	0.4	0.61	-0.6
Provision for Credit Losses	0.43	1.19	0.08	0.1	0.6	-0.1
Accrued Interest Receivable	1.76	0.68	-1.75	0.5	0.23	-0.59
Change in Other Net Operating Assets	0.63	-2.05	-3.14	-7.95	5.75	5.79
Other Operating Activities	0.18	0.04	-0.24	-0.2	-0.34	0.64
Operating Cash Flow	-9.05	-12.61	-6.57	-10.51	7.15	2.21
Operating Cash Flow Growth	-	-	-	-	223.33%	-
Capital Expenditures	-0.36	-0.33	-0.36	-0.23	-0.19	-0.26
Investment in Securities	3.91	4.31	4.73	10.74	17.3	-21.84
Net Decrease (Increase) in Loans Originated / Sold - Investing	26.16	9.19	-24.69	-19.09	-96.15	-55.16
Other Investing Activities	1.27	1.9	0.26	-6.68	-0.03	0.02
Investing Cash Flow	30.99	15.08	-20.05	-15.26	-79.08	-76.98
Short-Term Debt Issued	-	-	-	10	-	-
Long-Term Debt Issued	-	1.81	5.53	25	2.5	23.71
Total Debt Issued	9.13	1.81	5.53	35	2.5	23.71
Short-Term Debt Repaid	-	-	-10	-	-	-
Long-Term Debt Repaid	-	-28.03	-	-0	-23.7	-
Total Debt Repaid	-19.84	-28.03	-10	-0	-23.7	-
Net Debt Issued (Repaid)	-10.71	-26.21	-4.47	35	-21.2	23.71
Issuance of Common Stock	0.2	0.2	1	-	3	5.7
Repurchase of Common Stock	-	-	-	-	-	-2.5
Preferred Stock Issued	-	-	-	-	4	8.18
Net Increase (Decrease) in Deposit Accounts	-25.22	14.84	46.57	-27.69	71.56	67.74
Financing Cash Flow	-35.74	-11.18	43.1	7.31	57.35	102.82
Net Cash Flow	-13.8	-8.71	16.47	-18.47	-14.57	28.05
Free Cash Flow	-9.4	-12.94	-6.93	-10.74	6.96	1.96
Free Cash Flow Growth	-	-	-	-	255.83%	-
Free Cash Flow Margin	-42.15%	-61.48%	-23.73%	-40.85%	25.57%	8.82%
Free Cash Flow Per Share	-1.79	-2.50	-1.43	-2.51	1.94	0.57
Cash Interest Paid	14.29	15.21	10.71	4.62	5.52	3.9
Cash Income Tax Paid	0.21	0.22	0.23	0.19	0.21	0.06

Source: S&P Global Market Intelligence. Banks template. Financial Sources.