Financial insights of BVFL

MyFinsight

For the quarter ending 2025-09-30, BVFL made $21,260K in revenue. $3,730K in net income. Net profit margin of 17.54%.

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

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Loans, including fees	11,519	11,334	10,741	10,522
Investment securities available for sale	329	324	350	353
Investment securities held to maturity	46	46	47	83
Other interest income	633	562	743	1,192
Interest on fhlb borrowings	-	23	171	-
Total interest income	12,527	12,266	11,881	12,150
Interest on deposits	2,712	2,622	2,601	2,381
Interest on subordinated debentures	465	465	466	466
Total interest expense	3,177	3,110	3,238	2,847
Net interest income	9,350	9,156	8,643	9,303
(recovery of) provision for credit losses	-1,014	178	297	-714
Net interest income after provision for credit losses	10,364	8,978	8,346	10,017
Revenue-Deposit Account	122	112	-	-
Revenue-Debit Card	183	177	-	-
Income from investment in life insurance	88	114	87	91
Gain on foreclosed real estate	26	-	-	-
Revenue	-	-	267	278
(loss) on sale of fixed assets	-8	-	-	-
Other income	273	311	176	327
Total noninterest income	684	714	530	696
Compensation and related benefits	4,064	4,018	4,524	3,494
Occupancy	415	379	444	396
Data processing	372	395	397	366
Advertising	5	3	6	6
Professional fees	239	249	231	400
Equipment	92	94	91	97
Foreclosed real estate and holding costs	2	0	3	-3
Amortization of intangible assets	45	45	45	45
Fdic insurance premiums	83	84	81	82
Other	561	488	356	590
Total noninterest expense	5,878	5,755	6,178	5,473
Net income before tax	5,170	3,937	2,698	5,240
Income tax expense	1,440	1,076	599	1,442
Net income	3,730	2,861	2,099	3,798

Basic earnings per share	0.41	0.29	0.21	0.35
Diluted earnings per share	0.41	0.29	0.21	0.35
Weighted average common shares outstanding, diluted	9,079,000	9,859,000	9,895,000	10,752,000