Financial insights of ECBK

MyFinsight

For the quarter ending 2025-09-30.

Income Statement	2025-09-30	2025-06-30
Interest and fees on loans	18,153	16,862
Interest and dividends on securities	1,032	994
Interest on short term investments	1,204	1,244
Interest on interest-bearing time deposits	28	1
Total interest and dividend income	20,417	19,101
Interest on deposits	9,548	9,122
Interest on federal home loan bank advances	2,413	2,319
Total interest expense	11,961	11,441
Net interest and dividend income	8,456	7,660
Provision for credit losses	183	1,120
Net interest and dividend income after provision for credit losses	8,273	6,540
Customer service fees	147	154
Income from bank-owned life insurance	121	118
Net gain on sales of loans	55	43
Other income	18	40
Total noninterest income	341	355
Salaries and employee benefits	3,373	3,013
Director compensation	204	173
Occupancy and equipment	254	261
Data processing	331	315
Computer software and licensing	116	104
Advertising and promotions	172	189
Professional fees	298	264
Federal deposit insurance corporation deposit insurance	237	216
Other expense	373	445
Total noninterest expense	5,358	4,980
Income before income tax expense	3,256	1,915
Income tax expense	817	475
Net income	2,439	1,440

Basic EPS	0.3	0.18
Diluted EPS	0.29	0.17
Basic Average Shares	8,023,681	8,155,667
Diluted Average Shares	8,274,506	8,369,819

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