For the quarter ending 2025-09-30.
| Income Statement | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Loans, including fees | 2,533,974 | 2,445,883 | ||
| Taxable | 245,333 | 248,610 | ||
| Tax-exempt | 9,396 | 9,391 | ||
| Other | 67,709 | 55,979 | ||
| Total interest income | 2,856,412 | 2,759,863 | ||
| Deposits | 1,158,361 | 1,266,512 | ||
| Borrowed funds | 473,881 | 365,223 | ||
| Total interest expense | 1,632,242 | 1,631,735 | ||
| Net interest income | 1,224,170 | 1,128,128 | ||
| Provision for credit losses | 16,580 | 15,373 | ||
| Net interest income after provision for credit losses | 1,207,590 | 1,112,755 | ||
| Service charges on deposit accounts | 17,273 | 19,929 | ||
| Interchange income | 57,430 | 60,169 | ||
| Mortgage banking income | 77,404 | 57,343 | ||
| Gain on sale of mortgage loans | 89,005 | 69,609 | ||
| Increase in cash value of life insurance | 64,080 | 63,501 | ||
| Gain on interest rate swap | 52,326 | 0 | ||
| Other | 74,537 | 89,395 | ||
| Total noninterest income | 432,055 | 359,946 | ||
| Salaries and related benefits | 1,065,737 | 1,083,914 | ||
| Occupancy expense, net | 141,176 | 152,910 | ||
| Data processing | 224,982 | 348,129 | ||
| Advertising | 27,854 | 32,066 | ||
| Fdic insurance premiums | 93,613 | 73,910 | ||
| Loss on sale of other real estate owned | -22,213 | - | ||
| Other | 227,851 | 206,462 | ||
| Total noninterest expense | 1,803,426 | 1,897,391 | ||
| Income (loss) before provision for (benefit from) income taxes | -163,781 | -424,690 | ||
| Provision for (benefit from) income taxes | 3,176,877 | -146,030 | ||
| Net income (loss) | -3,340,658 | -278,660 | ||
| Basic EPS | -4.74 | -0.4 | ||
| Diluted EPS | -4.74 | -0.4 | ||
| Basic Average Shares | 704,140 | 703,482 | ||
| Diluted Average Shares | 704,140 | 703,482 | ||
EWSB Bancorp, Inc. MD (EWSB)
EWSB Bancorp, Inc. MD (EWSB)