bvfl: the income statement

MyFinsight

BV Financial, Inc. (BVFL)

For the quarter ending 2025-06-30, BVFL made $12,980K in revenue. $2,861K in net income. Net profit margin of 22.04%.

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

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

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

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