Financial insights of FINW

MyFinsight

For the quarter ending 2026-03-31.

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Interest and fees on loans	32,072	25,563*	22,532	18,485
Interest on securities	339	364*	360	390
Other interest income	1,130	991*	1,074	867
Total interest income	33,541	26,917*	23,966	19,742
Interest on deposits	5,451	4,736	5,359	5,014
Total interest expense	5,451	4,736*	5,359	5,014
Net interest income	28,090	22,181*	18,607	14,728
Provision for credit losses	10,581	12,286*	12,799	4,726
Net interest income after provision for credit losses	17,509	9,895*	5,808	10,002
Strategic program fees	5,702	4,648*	6,180	5,404
Gain on sale of loans, net	1,452	1,368*	1,854	1,483
Sba loan servicing fees, net	158	351*	-242	-96
Change in fair value on investment in bfg	-200	550*	200	300
Interchange income	703	-	-	-
Credit enhancement income	5,864	7,369*	8,762	2,275
Other miscellaneous income	948	1,615*	1,298	971
Total non-interest income	14,627	15,900*	18,052	10,337
Salaries and employee benefits	11,038	13,166*	10,814	10,491
Professional services	880	893*	876	949
Occupancy and equipment expenses	425	526*	456	445
Credit enhancement servicing expense	2,429	478*	248	-
Credit enhancement guarantee expense	10,098	3,373*	1,720	-
Credit enhancement expense	-	-	-	78
Other operating expenses	3,468	3,357*	3,335	2,949
Total non-interest expense	28,338	21,792*	17,449	14,912
Income before income taxes	3,798	4,003*	6,411	5,427
Provision for income taxes	1,063	1,394*	1,520	1,330
Net income	2,735	2,609	4,891	4,097

Basic EPS	0.21	0.203	0.36	0.31
Diluted EPS	0.2	0.192	0.34	0.29
Basic Average Shares	13,019,369	12,843,276	12,859,264	12,781,508
Diluted Average Shares	13,642,166	13,608,260	13,615,354	13,472,394

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