avbh: the income statement

MyFinsight

For the quarter ending 2025-09-30, AVBH made $51,575K in revenue. -$37,735K in net income. Net profit margin of -73.17%.

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

Income Statement	2025-09-30	2025-06-30
Interest and fees on loans	33,880	32,967
Interest on investment securities - taxable	1,126	1,673
Interest on investment securities - tax exempt	31	30
Federal home loan bank dividends	184	181
Other interest income	2,033	793
Total interest income	37,254	35,644
Interest on deposits	13,776	13,669
Interest on borrowings	828	1,685
Total interest expense	14,604	15,354
Net interest income	22,650	20,290
Provision for credit losses	1,355	925
Net interest income after provision for credit losses	21,295	19,365
Service charges, fees and other income	779	840
Foreign exchange income	267	196
Bank-owned life insurance income	96	93
Warrant and success fee income	-	273
Loss on sale of securities	-62,391	-
Other investment income	315	-23
Other income	82	159
Total noninterest income	-60,852	1,538
Salaries and employee benefits	9,766	8,978
Occupancy and equipment	723	759
Data processing	792	759
Regulatory assessments	445	420
Legal and professional fees	591	715
Other operating expenses	1,162	978
Total noninterest expense	13,479	12,609
(loss) / income before provision for income taxes	-53,036	8,294
(benefit) / provision for income taxes	-15,301	2,497
Net (loss) / income	-37,735	5,797

Earnings per share, basic	-4.12	0.77
Earnings per share, diluted	-4.12	0.75
Weighted average number of shares outstanding, basic	9,168,707	7,534,264
Weighted average number of shares outstanding, diluted	9,168,707	7,686,385