Financial insights of ATLO

MyFinsight

For the quarter ending 2025-09-30, ATLO made $42,432K in revenue. $4,559K in net income. Net profit margin of 10.74%.

Income Overview

Revenue
$42,432K
Net Income
$4,559K
Net Profit Margin
10.74%
EPS
$0.51
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2024-09-30	2024-06-30
Loans, including fees	17,409	16,667	16,751	16,220
Taxable	3,344	3,116	2,985	3,027
Tax-exempt	411	450	481	508
Other interest and dividend income	689	1,252	495	780
Total interest and dividend income	21,853	21,485	20,712	20,535
Deposits	7,173	7,387	8,278	8,170
Other borrowed funds	631	632	1,357	1,493
Total interest expense	7,804	8,019	9,635	9,663
Net interest income	14,049	13,466	11,077	10,872
Credit loss expense	627	108	371	182
Net interest income after credit loss expense	13,422	13,358	10,706	10,690
Noninterest income-Fiduciary And Trust	1,374	1,518	-	-
Noninterest income-Financial Service	402	378	-	-
Noninterest income	-	-	2,067	2,240
Securities (losses)	0	0	-	-
Gain on sale of loans held for sale	170	150	112	166
Noninterest income-Credit And Debit Card	342	392	-	-
Other noninterest income	246	203	234	213
Total noninterest income	2,534	2,641	2,413	2,619
Salaries and employee benefits	6,374	6,479	6,291	6,437
Data processing	1,497	1,456	1,475	1,568
Occupancy expenses, net	754	728	745	716
Fdic insurance assessments	253	275	281	296
Professional fees	412	540	867	863
Business development	335	311	318	285
Intangible asset amortization	77	77	86	86
New market tax credit projects amortization	192	191	174	175
Other operating expenses, net	347	306	268	314
Total noninterest expense	10,241	10,363	10,505	10,740
Income before income taxes	5,715	5,636	2,614	2,569
Provision for income taxes	1,156	1,125	397	385
Net income	4,559	4,511	2,217	2,184

Basic and diluted earnings per share (in dollars per share)	0.51	0.51	0.25	0.24
Us-gaap_weightedaveragenumberofsharesoutstandingbasic	8,894,152	8,900,515	8,992,167	8,992,167

MyFinsight

Income Overview

Revenue
$42,432K
Net Income
$4,559K
Net Profit Margin
10.74%
EPS
$0.51
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue
$42,432K
Net Income
$4,559K
Net Profit Margin
10.74%
EPS
$0.51
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$42,432KNet Income$4,559KNet Profit Margin10.74%EPS$0.51Unit: Thousand (K) dollarsRevenue BreakdownLoans, including feesDepositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$42,432KNet Income$4,559KNet Profit Margin10.74%EPS$0.51Unit: Thousand (K) dollarsRevenue BreakdownLoans, including feesDepositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$42,432K
Net Income
$4,559K
Net Profit Margin
10.74%
EPS
$0.51
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others

Revenue
$42,432K
Net Income
$4,559K
Net Profit Margin
10.74%
EPS
$0.51
Unit: Thousand (K) dollars
Revenue Breakdown
Loans, including fees
Deposits
Salaries and employee benefits
Others