Financial insights of BVFL

MyFinsight

Income Statement	2026-03-31	2025-09-30	2025-06-30	2025-03-31
Revenue-Deposit Account	109	122	112	NaN
Revenue-Debit Card	164	183	177	NaN
Income from investment in life insurance	86	88	114	87
Gain on foreclosed real estate	NaN	26	NaN	NaN
Revenue	NaN	NaN	NaN	267
(loss) on sale of fixed assets	NaN	-8	NaN	NaN
Other income	169	273	311	176
Total noninterest income	528	684	714	530
Loans, including fees	11,143	11,519	11,334	10,741
Investment securities available for sale	289	329	324	350
Investment securities held to maturity	45	46	46	47
Other interest income	605	633	562	743
Total interest income	12,082	12,527	12,266	11,881
Interest on deposits	2,652	2,712	2,622	2,601
Interest on fhlb borrowings	319	NaN	23	171
Interest on subordinated debentures	0	465	465	466
Total interest expense	2,971	3,177	3,110	3,238
Net interest income	9,111	9,350	9,156	8,643
(recovery of) provision for credit losses	-11	-1,014	178	297
Net interest income after provision for credit losses	9,122	10,364	8,978	8,346
Compensation and related benefits	5,780	4,064	4,018	4,524
Occupancy	456	415	379	444
Data processing	399	372	395	397
Advertising	15	5	3	6
Professional fees	237	239	249	231
Equipment	89	92	94	91
Foreclosed real estate and holding costs	-5	2	0	3
Amortization of intangible assets	45	45	45	45
Fdic insurance premiums	85	83	84	81
Other	497	561	488	356
Total noninterest expense	7,598	5,878	5,755	6,178
Net income before tax	2,052	5,170	3,937	2,698
Income tax expense	961	1,440	1,076	599
Net income	1,091	3,730	2,861	2,099

Basic EPS	0.13	0.41	0.29	0.21
Diluted EPS	0.13	0.41	0.29	0.21
Basic Average Shares	8,157,000	NaN	NaN	NaN
Diluted Average Shares	8,157,000	9,079,000	9,859,000	9,895,000

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