Financial insights of HFBL

MyFinsight

For the quarter ending 2025-12-31.

Income Statement	2025-12-31	2025-09-30	2025-06-30
Loans, including fees	7,339	7,271	6,838*
Investment securities	9	13	81*
Mortgage-backed securities	552	542	485*
Other interest-earning assets	163	184	213*
Total interest income	8,063	8,010	7,617*
Deposits	2,613	2,673	2,861*
Federal home loan bank borrowings	-	-	0*
Other bank borrowings	73	76	88*
Total interest expense	2,686	2,749	2,948*
Net interest income	5,377	5,261	4,669*
Provision for (recovery of) credit losses	109	43	-31*
Net interest income after provision for credit losses	5,268	5,218	4,700*
Loss on sale of real estate	-8	-	-66*
Gain on sale of loans	130	146	96*
Loss on sale of real estate	-	0	-1*
Income on bank-owned life insurance	30	28	29*
Service charges on deposit accounts	436	423	392*
Other income	50	53	52*
Total non-interest income	638	650	501*
Compensation and benefits	2,101	2,150	2,235*
Occupancy and equipment	558	568	589*
Data processing	318	336	360*
Audit and examination fees	110	69	149*
Franchise and bank shares tax	54	135	110*
Advertising	24	29	36*
Professional fees	150	85	124*
Loan and collection	35	42	34*
Amortization core deposit intangible	64	67	71*
Deposit insurance premium	84	93	87*
Other expenses	295	277	244*
Total non-interest expense	3,793	3,851	4,037*
Income before income taxes	2,113	2,017	1,164*
Provision for income tax expense	438	418	192*
Net income	1,675	1,599	972

Basic EPS	0.55	0.53	0.318
Diluted EPS	0.54	0.52	0.316
Basic Average Shares	3,023,000	3,008,000	3,054,254
Diluted Average Shares	-	-	3,078,367

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