Company: CMTV
Filing Date: 2025-08-14
Form Type: 10-Q
Source: 0001654954-25-009542
Chunk: 8

Company: COMMUNITY BANCORP /VT
Filing Date: 2025-08-14
Form: 10-Q
Item: Part I, Item 1
Chunk 8
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,008)  94,482 Increase in operating lease liabilities  323,243   35,675 Increase in other assets  (263,660)  (58,811)Increase in cash surrender value of BOLI  (40,441)  (42,132)Amortization of limited partnerships  425,736   298,404 Change in net deferred loan fees and costs  (57,815)  (30,554)(Decrease) increase in interest payable  (1,938,683)  633,217 Decrease in accrued expenses  (622,869)  (572,385)(Decrease) increase in other liabilities  (104,836)  33,647 Net cash provided by operating activities  4,592,706   6,232,235          Cash Flows from Investing Activities:        Investments - AFS        Maturities, calls, pay downs and sales  19,913,602   14,540,572 Purchases  (14,971,773)  0 Proceeds from redemption of restricted equity securities  1,316,700   3,463,300 Purchases of restricted equity securities  (2,107,700)  (5,107,800)Increase in loans, net  (13,933,241)  (17,247,703)Capital expenditures net of proceeds from sales of bank premises and equipment  (386,502)  (723,430)Recoveries of loans charged off  36,874   53,690 Net cash used in investing activities  (10,132,040)  (5,021,371)

 9Table of Contents

  2025  2024        Cash Flows from Financing Activities:      Net decrease in demand and interest-bearing transaction accounts  (40,105,058)  (68,739,409)Net decrease in money market and savings accounts  (38,710,600)  (12,996,653)Net increase in time deposits  10,136,759   33,500,426 Net decrease in repurchase agreements  (2,716,058)  (5,079,581)Net (decrease) increase