Financial insights of FSEA

MyFinsight

For the quarter ending 2026-03-31.

Income Statement	2026-03-31	2025-09-30	2025-06-30
Interest and fees on loans	4,844	5,111	5,154
Taxable	1,382	1,538	1,321
Non-taxable	200	199	199
Total interest on debt securities	1,582	1,737	1,520
Dividends	41	46	49
Total interest and dividend income	6,467	6,894	6,723
Interest on deposits	2,344	2,824	2,598
Interest on borrowings	609	623	697
Total interest expense	2,953	3,447	3,295
Net interest and dividend income	3,514	3,447	3,428
Provision (release) for credit losses	-8	3	47
Net interest and dividend income after release of credit losses	3,522	3,444	3,381
Customer service fees	249	276	295
Gain on sale of loans	-	100	5
Gain on sale of land and buildings	-	-	0
Income from bank-owned life insurance	20	43	22
Loan servicing fee income	12	6	8
Investment services fees	119	111	103
Other income	12	8	18
Total non-interest income	412	544	451
Salaries and employee benefits	2,273	2,242	2,252
Equity compensation	237	237	237
Director compensation	60	118	136
Occupancy expense	369	324	408
Equipment expense	76	70	72
Marketing	72	101	85
Data processing	392	401	438
Deposit insurance fees	101	137	98
Professional fees and assessments	282	236	269
Debit card fees	32	46	46
Employee travel and education expenses	27	41	50
Other expense	248	241	274
Total non-interest expense	4,169	4,194	4,365
Loss before income tax expense (benefit)	-235	-206	-533
Income tax (benefit) expense	273	-596	12
Net loss	-508	390	-545

Basic EPS	-0.12	0.09	-0.13
Diluted EPS	-0.12	0.08	-0.13
Basic Average Shares	4,285,401	4,247,330	4,259,134
Diluted Average Shares	4,285,401	4,676,115	4,259,134

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