Company: CMTV
Filing Date: 2025-11-14
Form Type: 10-Q
Source: 0001654954-25-013041
Chunk: 9

Company: COMMUNITY BANCORP /VT
Filing Date: 2025-11-14
Form: 10-Q
Item: Part I, Item 1
Chunk 9
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447,606 Change in net deferred loan fees and costs  (89,695)  (59,177)(Decrease) increase in interest payable  (1,912,291)  1,355,993 Decrease in accrued expenses  (305,597)  (492,340)Decrease in other liabilities  (118,187)  (58,875)Net cash provided by operating activities  10,357,497   10,875,709          Cash Flows from Investing Activities:        Investments - AFS        Maturities, calls, pay downs and sales   29,024,533  24,514,443 Purchases   (14,971,773)  0 Proceeds from redemption of restricted equity securities  2,547,700   4,152,400 Purchases of restricted equity securities  (3,174,900)  (5,301,300)Increase in loans, net  (34,401,822)  (69,016,918)Capital expenditures net of proceeds from sales of bank premises and equipment  (1,206,710)  (864,341)Recoveries of loans charged off  88,395   75,906 Net cash used in investing activities  (22,094,577)  (46,439,810)

 9Table of Contents

  2025  2024        Cash Flows from Financing Activities:      Net decrease in demand and interest-bearing transaction accounts  (12,493,069)  (393,264)Net decrease in money market and savings accounts  (13,219,341)  (17,654,364)Net increase in time deposits  32,367,815   50,659,935 Net decrease in repurchase agreements  (14,765,320)  (3,651,802)Net (decrease) increase in short-term borrowings  (31,500,000)  9,000,000 Proceeds from long-term borrowings  5,175,022   30,000,000 Decrease in finance lease obligations  (175,057)  (169,659)Shares purchased through stock buyback program  (701,470)