Financial insights of AVBH

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	132,825
Taxable debt securities	6,761
Tax-exempt debt securities	122
Federal home loan bank dividends	735
Other interest income	5,307
Total interest income	145,750
Interest on deposits	53,159
Interest on other borrowings	3,544
Interest on long-term debt	1,742
Total interest expense	58,445
Net interest income	87,305
Provision for credit losses	5,118
Net interest income after provision for credit losses	82,187
Service charges and fees	3,178
Foreign exchange income	937
Bank-owned life insurance income	372
Warrant and success fee income	648
Other investment income	485
Net loss on sale of debt securities	-62,391
Other income	395
Total non-interest income	-56,376
Salaries and employee benefits	37,415
Occupancy and equipment	3,208
Data processing	2,936
Legal and professional fees	2,707
Regulatory assessments	1,930
Other operating expenses	4,585
Total non-interest expense	52,781
(loss) / income before (benefit) / provision for income taxes	-26,970
(benefit) / provision for income taxes	-7,417
Net (loss) / income	-19,553

Basic EPS	-2.25
Diluted EPS	-2.25
Basic Average Shares	8,702,468
Diluted Average Shares	8,702,468