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Income Statement
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Balance Sheet
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Income Overview
Net Income
$249K
EPS
$0.05
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Interest and fees on loans
4,908
4,844
5,111
5,154
Taxable
1,275
1,382
1,538
1,321
Non-taxable
200
200
199
199
Total interest on debt securities
1,475
1,582
1,737
1,520
Dividends
36
41
46
49
Total interest and dividend income
6,419
6,467
6,894
6,723
Interest on deposits
2,217
2,344
2,824
2,598
Interest on borrowings
518
609
623
697
Total interest expense
2,735
2,953
3,447
3,295
Net interest and dividend income
3,684
3,514
3,447
3,428
(release) provision for credit losses
-6
-8
3
47
Net interest and dividend income after (release) provision for credit losses
3,690
3,522
3,444
3,381
Customer service fees
276
249
276
295
Gain on sale of loans
-
-
100
5
Gain on sale of land and buildings
-
-
-
0
Income from bank-owned life insurance
23
20
43
22
Loan servicing income
24
12
6
8
Investment services fees
122
119
111
103
Other income
10
12
8
18
Total non-interest income
455
412
544
451
Salaries and employee benefits
2,309
2,273
2,242
2,252
Equity compensation
189
237
237
237
Director compensation
171
60
118
136
Occupancy expense
390
369
324
408
Equipment expense
75
76
70
72
Marketing
55
72
101
85
Data processing
355
392
401
438
Deposit insurance fees
77
101
137
98
Professional fees and assessments
172
282
236
269
Debit card fees
45
32
46
46
Employee travel and education expenses
31
27
41
50
Other expense
254
248
241
274
Total non-interest expense
4,123
4,169
4,194
4,365
Income (loss) before income tax (benefit) expense
22
-235
-206
-533
Income tax (benefit) expense
-227
273
-596
12
Net income (loss)
249
-508
390
-545
Basic EPS
0.06
-0.12
0.09
-0.13
Diluted EPS
0.05
-0.12
0.08
-0.13
Basic Average Shares
4,287,798
4,285,401
4,247,330
4,259,134
Diluted Average Shares
4,625,177
4,285,401
4,676,115
4,259,134
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
Taxable
$1,275K
(-3.48%↓ Y/Y)
Non-taxable
$200K
(0.50%↑ Y/Y)
Interest and fees on loans
$4,908K
(-4.77%↓ Y/Y)
Total interest on debt
securities
$1,475K
(-2.96%↓ Y/Y)
Dividends
$36K
(-26.53%↓ Y/Y)
Total interest and
dividend income
$6,419K
(-4.52%↓ Y/Y)
Net interest and
dividend income
$3,684K
(7.47%↑ Y/Y)
(release) provision for
credit losses
-$6K
(-112.77%↓ Y/Y)
Customer service fees
$276K
(-6.44%↓ Y/Y)
Investment services fees
$122K
(18.45%↑ Y/Y)
Loan servicing
income
$24K
(200.00%↑ Y/Y)
Income from bank-owned
life insurance
$23K
(4.55%↑ Y/Y)
Other income
$10K
(-44.44%↓ Y/Y)
Total interest
expense
$2,735K
(-17.00%↓ Y/Y)
Net interest and
dividend income after...
$3,690K
(9.14%↑ Y/Y)
Total non-interest
income
$455K
(0.89%↑ Y/Y)
Interest on deposits
$2,217K
(-14.67%↓ Y/Y)
Interest on borrowings
$518K
(-25.68%↓ Y/Y)
Income tax (benefit)
expense
-$227K
(-1991.67%↓ Y/Y)
Income (loss) before
income tax (benefit)...
$22K
(104.13%↑ Y/Y)
Total non-interest
expense
$4,123K
(-5.54%↓ Y/Y)
Net income (loss)
$249K
(145.69%↑ Y/Y)
Salaries and employee
benefits
$2,309K
(2.53%↑ Y/Y)
Occupancy expense
$390K
(-4.41%↓ Y/Y)
Data processing
$355K
(-18.95%↓ Y/Y)
Other expense
$254K
(-7.30%↓ Y/Y)
Equity compensation
$189K
(-20.25%↓ Y/Y)
Professional fees and
assessments
$172K
(-36.06%↓ Y/Y)
Director compensation
$171K
(25.74%↑ Y/Y)
Deposit insurance fees
$77K
(-21.43%↓ Y/Y)
Equipment expense
$75K
(4.17%↑ Y/Y)
Marketing
$55K
(-35.29%↓ Y/Y)
Debit card fees
$45K
(-2.17%↓ Y/Y)
Employee travel and
education expenses
$31K
(-38.00%↓ Y/Y)
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First Seacoast Bancorp, Inc. (FSEA)
First Seacoast Bancorp, Inc. (FSEA)