Financial insights of FSFG

MyFinsight

For the year ending 2025-09-30.

Income Statement	2025-09-30
Loans, including fees	115,603
Taxable	3,782
Tax-exempt	5,450
Dividend income	1,994
Interest-bearing deposits with banks	698
Total interest income	127,527
Deposits	46,780
Federal home loan bank borrowings	13,058
Other borrowings	2,381
Total interest expense	62,219
Net interest income	65,308
Provision (credit) for credit losses-loans	-118
Provision (credit) for unfunded lending commitments	452
Provision (credit) for credit losses - securities	-9
Total provision for credit losses	325
Net interest income after provision for credit losses	64,983
Service charges on deposit accounts	2,227
Atm and interchange fees	2,643
Net unrealized gain on equity securities	90
Net gain on sale of equity securities	403
Net gain on sales of loans, small business administration	4,221
Net gain on sales of loans, home equity lines of credit	4,038
Mortgage banking income	357
Increase in cash surrender value of life insurance	1,503
Gain on life insurance	255
Commission income	846
Real estate lease income	391
Net gain on premises and equipment	45
Other income	1,823
Total noninterest income	18,842
Compensation and benefits	34,928
Occupancy and equipment	6,488
Data processing	3,247
Advertising	1,740
Professional fees	2,797
Fdic insurance premiums	1,846
Net (gain) loss on other real estate owned	192
Other operating expenses	6,108
Total noninterest expense	56,962
Income before income taxes	26,863
Income tax expense	3,702
Net income	23,161

Basic EPS	3.37
Diluted EPS	3.32
Basic Average Shares	6,871,242
Diluted Average Shares	6,976,901