Financial insights of AVBC

MyFinsight

For the quarter ending 2026-03-31.

Income Statement	2026-03-31	2025-09-30	2025-06-30
Loans, including fees	30,313	29,727	28,883
Securities	2,544	2,567	2,555
Other	742	1,588	421
Total interest and dividend income	33,599	33,882	31,859
Deposits	6,884	7,268	7,242
Federal home loan bank advances	2,381	2,827	3,647
Subordinated debt	352	355	352
Total interest expense	9,617	10,450	11,241
Net interest income	23,982	23,432	20,618
Credit loss expense - loans	859	1,480	1,523
Credit loss expense - off-balance sheet credit exposures	230	60	-452
Debit card income	-	-	793
Net interest income, after credit loss expense	22,893	21,892	19,547
Net loss on sale of securities available for sale	-	-	-78
Customer service fees	919	912	884
Payment processing income	1,909	1,857	2,079
Income on bank-owned life insurance	269	279	289
Mortgage banking income	263	121	162
Investment commissions	356	358	312
Credit card income	-	-	58
Other	570	999	747
Total non-interest income	4,286	4,526	5,246
Salaries and employee benefits	10,200	9,773	8,909
Occupancy and equipment	1,828	1,933	2,042
Data processing	2,890	2,251	2,994
Professional fees	1,108	790	1,088
Payment processing	367	526	932
Deposit insurance	343	651	780
Advertising	206	423	310
Telecommunications	99	81	96
Problem loan and foreclosed real estate, net	198	179	194
Other general and administrative	1,753	11,762	2,418
Total non-interest expense	18,992	28,369	19,763
Income (loss) before income tax expense (benefit)	8,187	-1,951	5,030
Income tax expense (benefit)	2,191	-1,044	1,158
Net income (loss)	5,996	-907	3,872

Basic EPS	0.32	-0.05	-
Diluted EPS	0.32	-0.05	-
Basic Average Shares	18,557,370	18,520,449	-
Diluted Average Shares	18,557,370	18,520,449	-

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.