Winchester Bancorp, Inc. (WSBK)

Winchester Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is July - June.

Fiscal Year	TTM	FY 2024	FY 2023
Period Ending	Dec 31, 2024	Jun 30, 2024	Jun 30, 2023
Net Income	0.04	0.79	4.16
Depreciation & Amortization	0.83	0.75	0.64
Gain (Loss) on Sale of Assets	-0.31	-0.31	-3.33
Gain (Loss) on Sale of Investments	-0.15	0.07	0.48
Provision for Credit Losses	1.78	0.51	1.4
Accrued Interest Receivable	-0.5	-0.91	-0.61
Change in Other Net Operating Assets	-1.85	-0.07	-1.75
Other Operating Activities	-0.69	-0.59	-0.55
Operating Cash Flow	-0.85	0.23	0.44
Operating Cash Flow Growth	-	-47.14%	-
Capital Expenditures	-0.76	-1.32	-
Sale of Property, Plant and Equipment	-	-	4.3
Investment in Securities	-8.09	-14.7	3.23
Net Decrease (Increase) in Loans Originated / Sold - Investing	-76.52	-83.37	-120.02
Other Investing Activities	-5.26	-5.79	-9.26
Investing Cash Flow	-90.63	-105.18	-121.75
Short-Term Debt Issued	-	-	19.7
Long-Term Debt Issued	-	190	112
Total Debt Issued	118.52	190	131.7
Short-Term Debt Repaid	-	-3.23	-
Long-Term Debt Repaid	-	-149	-48
Total Debt Repaid	-89.23	-152.23	-48
Net Debt Issued (Repaid)	29.29	37.77	83.7
Net Increase (Decrease) in Deposit Accounts	59.49	59.03	26.66
Other Financing Activities	0.07	0.08	-0.04
Financing Cash Flow	88.85	96.89	110.31
Net Cash Flow	-2.63	-8.06	-11
Free Cash Flow	-1.61	-1.09	0.44
Free Cash Flow Margin	-10.87%	-6.94%	2.12%
Cash Interest Paid	6.92	6.92	4.02
Cash Income Tax Paid	0.02	0.02	0.47

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