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Income Statement
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Balance Sheet
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Income Overview
Net Income
$7,170K
EPS
$0.39
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Loans, including fees
29,961
30,313
29,727
28,883
Securities
2,877
2,544
2,567
2,555
Other
400
742
1,588
421
Total interest and dividend income
33,238
33,599
33,882
31,859
Deposits
6,992
6,884
7,268
7,242
Federal home loan bank advances
1,930
2,381
2,827
3,647
Subordinated debt
352
352
355
352
Total interest expense
9,274
9,617
10,450
11,241
Net interest income
23,964
23,982
23,432
20,618
Credit loss expense - loans
745
859
1,480
1,523
Credit loss expense (benefit) - off-balance sheet credit exposures
147
230
60
-452
Total credit loss expense
892
-
-
-
Debit card income
-
-
-
793
Net interest income, after credit loss expense
23,072
22,893
21,892
19,547
Net loss on sale of securities available for sale
-
-
-
-78
Customer service fees
1,338
919
912
884
Payments processing income
2,592
1,909
1,857
2,079
Income on bank-owned life insurance
379
269
279
289
Mortgage banking income
287
263
121
162
Investment commissions
359
356
358
312
Credit card income
-
-
-
58
Other
947
570
999
747
Total non-interest income
5,902
4,286
4,526
5,246
Salaries and employee benefits
9,963
10,200
9,773
8,909
Occupancy and equipment
1,440
1,828
1,933
2,042
Data processing
3,042
2,890
2,251
2,994
Professional fees
1,516
1,108
790
1,088
Payments processing
452
367
526
932
Deposit insurance
302
343
651
780
Advertising
424
206
423
310
Telecommunications
75
99
81
96
Problem loan and foreclosed real estate, net
179
198
179
194
Other general and administrative
2,108
1,753
11,762
2,418
Total non-interest expense
19,501
18,992
28,369
19,763
Income (loss) before income tax expense (benefit)
9,473
8,187
-1,951
5,030
Income tax expense (benefit)
2,303
2,191
-1,044
1,158
Net income (loss)
7,170
5,996
-907
3,872
Basic EPS
0.39
0.32
-0.05
-
Diluted EPS
0.39
0.32
-0.05
-
Basic Average Shares
18,577,444
18,557,370
18,520,449
-
Diluted Average Shares
18,577,444
18,557,370
18,520,449
-
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans, including fees
$29,961K
(3.73%↑ Y/Y)
Securities
$2,877K
(12.60%↑ Y/Y)
Other
$400K
(-4.99%↓ Y/Y)
Total interest and
dividend income
$33,238K
(4.33%↑ Y/Y)
Net interest income
$23,964K
(16.23%↑ Y/Y)
Payments processing
income
$2,592K
(24.68%↑ Y/Y)
Customer service fees
$1,338K
(51.36%↑ Y/Y)
Other
$947K
(26.77%↑ Y/Y)
Income on bank-owned
life insurance
$379K
(31.14%↑ Y/Y)
Investment commissions
$359K
(15.06%↑ Y/Y)
Mortgage banking income
$287K
(77.16%↑ Y/Y)
Total interest
expense
$9,274K
(-17.50%↓ Y/Y)
Net interest
income, after credit...
$23,072K
(18.03%↑ Y/Y)
Total non-interest
income
$5,902K
(12.50%↑ Y/Y)
Total credit loss
expense
$892K
Deposits
$6,992K
(-3.45%↓ Y/Y)
Federal home loan bank
advances
$1,930K
(-47.08%↓ Y/Y)
Subordinated debt
$352K
(0.00%↑ Y/Y)
Income (loss) before
income tax expense...
$9,473K
(88.33%↑ Y/Y)
Total non-interest
expense
$19,501K
(-1.33%↓ Y/Y)
Credit loss expense -
loans
$745K
(-51.08%↓ Y/Y)
Credit loss expense
(benefit) - off-balance...
$147K
(132.52%↑ Y/Y)
Net income (loss)
$7,170K
(85.18%↑ Y/Y)
Income tax expense
(benefit)
$2,303K
(98.88%↑ Y/Y)
Salaries and employee
benefits
$9,963K
(11.83%↑ Y/Y)
Data processing
$3,042K
(1.60%↑ Y/Y)
Other general and
administrative
$2,108K
(-12.82%↓ Y/Y)
Professional fees
$1,516K
(39.34%↑ Y/Y)
Occupancy and equipment
$1,440K
(-29.48%↓ Y/Y)
Payments processing
$452K
(-51.50%↓ Y/Y)
Advertising
$424K
(36.77%↑ Y/Y)
Deposit insurance
$302K
(-61.28%↓ Y/Y)
Problem loan and
foreclosed real estate, net
$179K
(-7.73%↓ Y/Y)
Telecommunications
$75K
(-21.88%↓ Y/Y)
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Avidia Bancorp, Inc. (AVBC)
Avidia Bancorp, Inc. (AVBC)