Financial insights of FDSB

MyFinsight

For the quarter ending 2026-03-31.

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Non-interest income (in-scope of topic 606)-Deposit Service And Account Maintenance And Insufficient Funds Fees	53	55	54	52
Gain on sale of real estate owned	-	11*	-	1
Non-interest income (in-scope of topic 606)-Atm And Check Card Fees	97	119*	96	87
Bank owned life insurance	68	49*	70	100
Loss on insurance proceeds	-	-18*	-	3,469
Other	11	6	8	10
Total non-interest income	229	221	228	3,719
Loans, including fees	4,432	4,317	4,304	4,205
Investment securities	1,040	1,058	1,106	1,018
Other interest-earning assets	180	301	283	257
Total interest and dividend income	5,652	5,676	5,693	5,480
Deposits	2,103	2,258	2,348	2,332
Total interest expense	2,103	2,258	2,348	2,332
Net interest income	3,549	3,418	3,345	3,148
Provision for (recovery of) credit losses on unfunded commitments	-	10	-	-
Total provision for (recovery of) credit losses	-	10	-	-
Net interest income after provision for credit losses	3,549	3,408	3,345	3,148
Salaries and employee benefits	1,912	1,526	1,783	2,536
Occupancy and equipment	503	614	463	474
Federal deposit insurance	54	54	55	53
Directors	66	39	64	64
Professional and legal	103	80	114	76
Audit and examination	79	79	84	84
Data processing	343	339	327	320
Advertising	38	35	26	25
Charitable contributions	4	-12	8	8
Other	186	258	215	192
Total non-interest expense	3,288	3,012	3,139	3,832
Income before income taxes	490	617	434	3,035
Income tax expense	103	76	91	-91
Net income	387	541	343	3,126

Basic EPS	0.08	0.106	0.07	0.61
Diluted EPS	0.08	0.106	0.07	0.61
Basic Average Shares	4,914,000	5,122,000*	5,143,000	5,145
Diluted Average Shares	4,914,000	5,122,000*	5,143,000	5,145

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