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Income Statement
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Cash Flow
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Balance Sheet
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Income Overview
Net Income
$2,439K
EPS
$0.29
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
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
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Interest and fees on loans
$18,153K
Interest on short term
investments
$1,204K
Interest and dividends on
securities
$1,032K
Interest on
interest-bearing time deposits
$28K
Total interest and
dividend income
$20,417K
Net interest and
dividend income
$8,456K
Customer service fees
$147K
Income from bank-owned
life insurance
$121K
Net gain on sales of
loans
$55K
Other income
$18K
Total interest
expense
$11,961K
Net interest and
dividend income after...
$8,273K
Total noninterest
income
$341K
Provision for credit
losses
$183K
Interest on deposits
$9,548K
Interest on federal home
loan bank advances
$2,413K
Income before income
tax expense
$3,256K
Total noninterest
expense
$5,358K
Net income
$2,439K
Income tax expense
$817K
Salaries and employee
benefits
$3,373K
Other expense
$373K
Data processing
$331K
Professional fees
$298K
Occupancy and equipment
$254K
Federal deposit
insurance corporation...
$237K
Director compensation
$204K
Advertising and promotions
$172K
Computer software and
licensing
$116K
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ECB Bancorp, Inc. MD (ECBK)
ECB Bancorp, Inc. MD (ECBK)