Financial insights of GOVB

MyFinsight

For the quarter ending 2025-12-31.

Income Overview

Net Income
$287K
EPS
$0.28
Unit: Thousand (K) dollars

Income Statement	2025-12-31	2025-09-30	2025-06-30
Other short-term investments	-	20*	32
Loans, net	1,825	1,699*	1,720
Securities-taxable	262	306*	290
Securities-non-taxable	132	131*	128
Other short-term investments	21	-	-
Total interest income	2,240	2,156*	2,170
Deposits	348	438*	360
Net swap income on deposit hedge	-	3*	-
Borrowings - short term and long term	63	3*	-
Total interest expense	411	438*	360
Net interest income	1,829	1,718*	1,810
Provision (benefit) for credit losses - loans	14	34*	9
Provision for credit losses - unfunded commitments	-	-11*	3
Provision (benefit) for credit losses - unfunded commitments	-1	-	-
Net interest income after provision for credit losses	1,816	1,695*	1,798
Service charges	93	144*	81
Atm card fees	-65	-58*	-72
Realized gain on sales of securities - afs	-	4*	-
Realized gain on sales of equity securities	-	18*	-
Gain on life insurance death benefit	103	-	-
Earnings on investment in life insurance	48	41*	43
Earnings (gaines) on deferred fees plan	23	-18*	28
Unrealized loss on swap agreements	-	-9*	0
Earnings on secondary market programs	12	18*	9
Other non-interest income	1	32*	23
Total non-interest income, net	345	287*	256
Salaries and employee benefits	899	918*	842
Directors fees	94	105*	82
Earnings (gaines) on deferred fees plan	23	-18*	28
Building, occupancy and equipment	242	281*	218
Data processing	105	107*	100
Postage and supplies	22	29*	28
Professional fees	150	125*	180
Intangibles amortization	81	91*	93
Foreclosed assets, net	-18	-30*	18
Other non-interest expense	256	385*	197
Total non-interest expenses, net	1,854	1,993*	1,786
Income before income tax expense (benefit)	307	-11*	268
Income tax expense (benefit)	20	-93*	51
Net income	287	82	217

Basic EPS	0.28	0.079	0.22
Diluted EPS	0.28	0.079	0.22
Basic Average Shares	1,032,000	1,042,000	1,006,000
Diluted Average Shares	1,032,000	1,042,000	1,006,000

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

MyFinsight

Income Overview

Net Income
$287K
EPS
$0.28
Unit: Thousand (K) dollars

Time Plot

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Income Statement

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Income Overview

Net Income
$287K
EPS
$0.28
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income$287KEPS$0.28Unit: Thousand (K) dollars

Time Plot

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Income Statement

Income Overview

Net Income$287KEPS$0.28Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$287K
EPS
$0.28
Unit: Thousand (K) dollars

Net Income
$287K
EPS
$0.28
Unit: Thousand (K) dollars