Financial insights of FSEA

MyFinsight

For the quarter ending 2025-09-30, FSEA made $14,483K in revenue. $390K in net income. Net profit margin of 2.69%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

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

Diluted	4,676,115	4,259,134
Earnings (loss) per common share - basic	0.09	-0.13
Earnings (loss) per common share - diluted	0.08	-0.13
Weighted average common shares outstanding	4,247,330	4,259,134