Financial insights of AVBC

MyFinsight

For the quarter ending 2025-09-30.

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

Basic EPS	-0.05	-
Diluted EPS	-0.05	-
Basic Average Shares	18,520,449	-
Diluted Average Shares	18,520,449	-

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