Financial insights of BVFL

MyFinsight

For the quarter ending 2025-09-30.

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-12-31
Loans, including fees	11,519	11,334	10,741	9,437*
Investment securities available for sale	329	324	350	260*
Investment securities held to maturity	46	46	47	65*
Other interest income	633	562	743	470*
Interest on fhlb borrowings	-	23	171	1*
Total interest income	12,527	12,266	11,881	10,232*
Interest on deposits	2,712	2,622	2,601	1,901*
Interest on subordinated debentures	465	465	466	1,053*
Total interest expense	3,177	3,110	3,238	2,954*
Net interest income	9,350	9,156	8,643	7,278*
(recovery of) provision for credit gaines	-1,014	178	297	1,939*
Net interest income after provision for credit losses	10,364	8,978	8,346	5,339*
Revenue-Deposit Account	122	112	-	-
Revenue-Debit Card	183	177	-	-
Income from investment in life insurance	88	114	87	127*
Gain on foreclosed real estate	26	-	-	-
Revenue	-	-	267	298*
(loss) on sale of fixed assets	-8	-	-	-
Other income	273	311	176	1*
Total noninterest income	684	714	530	426*
Compensation and related benefits	4,064	4,018	4,524	3,523*
Occupancy	415	379	444	428*
Data processing	372	395	397	382*
Advertising	5	3	6	5*
Professional fees	239	249	231	-192*
Equipment	92	94	91	105*
Foreclosed real estate and holding costs	2	0	3	22*
Amortization of intangible assets	45	45	45	46*
Fdic insurance premiums	83	84	81	80*
Other	561	488	356	680*
Total noninterest expense	5,878	5,755	6,178	5,079*
Net income before tax	5,170	3,937	2,698	686*
Income tax expense	1,440	1,076	599	357*
Net income	3,730	2,861	2,099	329

Basic EPS	0.41	0.29	0.21	0.031
Diluted EPS	0.41	0.29	0.21	0.031
Basic Average Shares	-	-	-	10,679,000
Diluted Average Shares	9,079,000	9,859,000	9,895,000	10,668,000

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