Financial insights of BSVN

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans, including fees	117,513
Interest-bearing time deposits in other banks	564
Debt securities, taxable	1,085
Debt securities, tax-exempt	246
Other interest and dividend income	9,350
Total interest income	128,758
Deposits	40,885
Total interest expense	40,885
Net interest income	87,873
Provision for credit losses	700
Net interest income after provision for credit losses	87,173
Mortgage lending income	1,326
Loss on sales, prepayments, and calls of available-for-sale debt securities	-10
Service charges on deposit accounts	941
Other	6,246
Total noninterest income	8,503
Salaries and employee benefits	22,634
Furniture and equipment	1,278
Occupancy	2,580
Data and item processing	2,128
Accounting, marketing and legal fees	757
Regulatory assessments	814
Advertising and public relations	917
Travel, lodging and entertainment	439
Other	7,364
Total noninterest expense	38,911
Income before taxes	56,765
Income tax expense	13,696
Net income	43,069
Unrealized gains on securities, net of tax expense of 784, 335 and 1 million for the years ended december 31, 2025, 2024, and 2023, respectively	2,417
Reclassification adjustment for realized losses included in net income net of tax of 2, 1 and 4 for the years ended december 31, 2025, 2024, and 2023, respectively	-8
Other comprehensive income	2,425
Comprehensive income	45,494

Basic EPS	4.56
Diluted EPS	4.5
Basic Average Shares	9,444,105
Diluted Average Shares	9,574,190